Frequently Asked Questions

About Loan

The interest in each application is applied on a case by case basis depending on the risk factors of each application.

  • 2 Recent payslip
  • 3-month bank statement to date of application
  • Vehicle quotation (In case of applying for a motor vehicle loan only)
  • Valid drivers license 
  • 2 ID cards: Either Driver’s license, Passport or Joint FNPF card
  • A recent utility bill or proof of residential address

Our application usually takes 1 to 2 working days.

Our minimum loan term is 6 months and maximum loan term is 84 months.

At least monthly, but if you are paid your income weekly your loan payment will be deducted weekly.

To apply for a loan, click Apply Now on our website or visit our Service Centres in Suva, Lautoka or Labasa. For assistance, email us at or call us on 330 3400 or 830 3400. 

Term Deposits

Our terms range from three months up to 120 months (10 years). A specific maturity date may also be stipulated at the time of investment.

We accept deposits from $5,000 or more. If you have an amount greater than $250,000 please call us for a rate quote.

The interest is fixed for the agreed term. You may elect to have interest paid:

  • Monthly, Quarterly, Six-monthly, Annually or on Maturity

When you deposit funds with us simply let us know how you would like to have your interest paid.

  • Reinvested together with your original deposit amount and earn compounded interest; or
  • Credited automatically to your nominated bank account, or
  • Paid to you by direct credit or cheque. 

At the end of your deposit term, unless we are notified in writing, your deposit will be automatically renewed for the same term but at the interest rate prevailing at that time. We will write to you one month prior to maturity, seeking your reinvestment intentions.

We accept bank transfers; cheques (company or personal) or bank cheques for Term Deposit accounts.

In cases of genuine hardship we will consider allowing you to withdraw your Term Deposit prior to maturity. If your request is approved, there will be an interest rate reduction and break-fee. Please refer to our current schedule of Fees & Charges Brochure.

It means that KFL has a legal obligation to guarantee the return of the whole sum invested to the term depositor on the maturity date of the deposit.

This differs from other classes of investment such as unit trusts, share market investments, and pension contributions as these investments carry no Capital Guarantee and thus there is no legal obligation from these investment schemes to return any of your invested funds to you.

We have used the expression Capital Guaranteed in our promotional material as this is the global financial market’s expression for identifying our legal obligation to return deposited funds and also we wish to educate the Fijian market about the differing risks between investment products. This is part of Kontiki Finance Limited’s continued effort to improve Financial Literacy in Fiji.

An additional advantage of Term Deposits over other growth unit trusts, share market investments, and pension contributions is that the interest rate offered by KFL at the Term Deposit commencement is contracted over the entire tenure of the investment.  Whereas the yield on the other classes of investment above is not fixed at all and could conceivably be zero or be reduced after the investment funds are received without reference to the investor.

Kontiki Finance Limited cannot reduce your Term Deposit interest rate yield during your investment term. Also, we do not charge any fees to deposit or withdraw on maturity from your Term Deposit.  This is often not the case with other classes of investment.

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