Frequently Asked Questions

Here are some of our most commonly asked questions.


Limelight Financial Services Limited (trading as Thorn Finance) is a 100% New Zealand owned finance company. For more information, check out the About Us page.
This is a loan in which the borrower provides a vehicle as security for the loan. If you are unable to meet your loan repayments, we will make every effort to work with you to find a suitable solution. As a last resort, we may need to take the listed security to repay the outstanding loan amount.
This is a loan issued without security.

Rates and Fees

You can find information about our current interest rates on the Rates, Fees and Contract Terms page. The applicable interest rate for you is determined by credit risk. All interest rates are subject to change.

You can see our current fee schedule on the Rates, Fees and Contract Terms page. All fees are subject to change.


As part of your loan application, you will let us know how often you'd like to make repayments (weekly, fortnightly or monthly).

From there, we will be able to calculate your regular repayment amount, based on the amount you would like to borrow, the term you would like to borrow over, and the interest rate you qualify for based on your application.

Responsible lending criteria, terms and conditions apply.

If you miss a payment, you may be charged default fees and/or default interest charges (see the Rates, Fees and Contract Terms page for more information). If we have security over your vehicle, we may have additional rights in some situations.

Either way, give our team a call and we will make every effort help you out with your situation.

If you are struggling to meet payments, call us and we will see what we can do to help.

If you can’t keep up with your payments due to an unforeseen event that causes hardship, for example illness, injury, loss of employment, or the end of a relationship, you can apply for a hardship variation. You should get in touch with us as soon as possible so that we can discuss your options with you.

If you get in contact via email, a member of our team will be in touch to hear more about your situation and see how we can help.

If you need to change your personal details or if you are moving to a new house, please contact Thorn Finance on 0800 342 500, so your details can be updated.