Carpenters Finance is offering Hire purchase facilities to its customers on wide range of products. Products offered on Hire Purchases are ranging from exclusive TV sets, quality refrigeration, long-lasting washing machines, smartphones, branded computer sets, quality households appliances, exclusive furniture collections, gardening tools, light machineries, and many more, which can be acquired from MH Homemaker, Daltron and Carpenters Hardware. Along with Carpenters Hardware, this Division is also being the sole financier for building materials in the market for several years. Carpenters Finance is specialising in Building Material Financing, giving customer an extra comfort on Hire Purchase facilities by allowing them to have lower repayments with longer term at affordable rates.

Key Features:

  • Quality items
  • Superior Customer Service
  • Instant Approvals
  • Extended Trading Hours At Selected Locations
  • Easy Credit Terms
  • Credit term from 3 months to 42 months
  • Convenient mode of payments.


Personal Loan was introduced in mid-February 2015 and this unique product is targeted to meet the financial needs of the low income earners, however not limiting to any range of income earners. Core features of Personal Loan include low interest rates, fast turnover time, safe cash delivery, comfort on repayments and easy access to any of our Finance offices throughout Fiji. Carpenters Finance is playing a significant role in remote areas such as Navua, Tavua, Rakiraki, Savusavu, Taveuni and Levuka whereby we can outreach to our customers and provide them financial options to meet their financial needs. Also, in this intense competitive market, Carpenters Finance is adding more features to this product to meet customer expectations splendidly.

Key Features:

  • Quick And Hassle Free Approval
  • Credit term from 3 months to 36 months
  • Competitive Rates
  • Extended Opening Hours and 7 days trading at selected branches for your Convenience


Carpenters Finance provides tailor-made financial packages to suit the needs of customers, who desire to own a vehicle, through Auto Financing. Our dynamic credit team ensures that the credit application is processed and approval condition is given within 24 hours – something in what we, Carpenters Finance do best! Customers can enjoy hassle free credit approval and flexible credit terms for affordable repayments. Our Auto Finance packages provide customers with an opportunity to own a brand new or a Japanese vehicle on a very low deposit with an easy repayment option.

Key Features:

  • Quick And Hassle Free Credit Approval
  • Easy & Flexible Credit Term
  • Repayment period from 6 months to 60 months
  • Competitive Rates
  • Provides In-House Insurance Arrangement Option
  • Convenient mode of payment.


Carpenters Fiji is the only retail group in Fiji to offer an in-store credit card since 1979, MoneyLINK which is administered by Carpenters Finance. The cards are platinum, gold and silver for premium and regular customer segments and can be used in all Carpenters Group retail outlets.The cardholders are offered many benefits including frequent exclusive promotions. Carpenters Finance offers on-line credit authorisation and processing of the Money LINK credit card transactions enabling Carpenters Finance to significantly increase their credit card customer base, introduce innovative loyalty programs and also extending the use of the cards to outside retailers.

Key Features:

  • No need to carry cash (buy now and pay later)
  • Readily available credit
  • Wide range of shopping experience
  • Superior customer services
  • Supplementary cards for your family
  • Extended trading hours


Home is where your story begins and there is nothing more important than having a good, sophisticated and safe home; Carpenters Finance values this dream of the customers and is offering Home improvement Package to help you improve the standard of your home. Customers can take the benefit of purchasing building materials on credit to renovate, upgrade, extend, paint, fence and tile their homes to give it new ravishing look. With easy requirements to fulfil, customers now have a stress-free option to improve and expand their home at an affordable rate and by a convenient means.

Key Features:

  • No Architectural Certificates required
  • No Engineering Certificates required
  • Flexible options allows for secured or unsecured Home Improvement loan
  • Up to 36 months repayment period
  • Low deposit options


Don’t have extra cash to travel with all your heart? Carpenter Finance is here to assist you to live up your dream with our Travel Finance product. Airfares, personal leisure, family vacation, family reunion, medical travel, or be it a professional visit – Our Travel Finance provides a total travel solution for both local and overseas destinations. Believe in us and we will find a way to fulfil your dream.

Key Features:

  • Approval within 24 hours
  • Credit term from 3 months to 12 months
  • Credit amount depends on your eligibility
  • Low Interest Rates
  • Allows joint application
  • Quick Hassle Free Approvals


Carpenters Finance is an Agent of New India Assurance. Through this alliance of the two players in the financial and insurance industry, our customers can now obtain superior insurance products at affordable and competitive rates. We assure our customers that we give both comfort and cover for their faith in us.

Key Features:
• Consumer Credit Insurance that covers items bought under Hire Purchase Accounts.
• Comprehensive Motor Vehicle
• House contents, Fire and House Insurance
• Competitive Premium Rates
• Quick Processing and Policy Issuance
• Fast Track Claims Processing
• Quick Hassle Free Insurance process and issuance of cover note


Carpenters Finance is providing secured Small Medium Enterprise (SME) loan to customers to nourish your business. This loan offers a business solution for small to medium entrepreneurs in obtaining a loan to expand their business. These are inclusive of financing of working capital, business expansions, purchase of plant/machineries and office equipment’s. Our loans can be tailor-made to best suit the needs of your business, from attractive rates to favourable terms.

Key Features:

  • Easy Secured Business Loan
  • Flexibility in terms and conditions
  • Competitive Interest Rates
  • Fast Turn Around Time
  • Credit term from 3 months to 36 months
  • Quick Hassle Free Approvals
  • Loan approval within 24 hours