• Term Options: Customers can choose repayment terms ranging from 3 to 36 months.
• Installments: Payments can be made daily, weekly, fortnightly, bi-monthly, or monthly, as per arrangements with Vision Finance.

• Existing Vision Finance Customers: Zero deposit, subject to conditions at Vision Finance’s discretion.
• New Customers: A low deposit is required, subject to credit approval by Vision Finance.

• Flat Rate: 24% per annum.

• Financing amounts range from $500 to $15,000. Higher amounts may be considered at Vision Finance’s discretion based on risk assessment.

• Eligible Goods: All durable and tangible goods sold by R C Manubhai.

• Documentation Fee: $20.00
• Administration Fee: 3% of the financed amount

The installment amount will be determined based on credit approval and may align with your pay cycle. Any alternative arrangements must be discussed with Vision Finance.

• Most recent 1–2 pay slips
• Last 3 months’ bank statements
• Loan statement (if applicable)
• Employment confirmation letter (for new customers)

• No third-party applications are allowed.
• All applications must be submitted by the primary customer and borrower to ensure accuracy of personal and financial information.

Having an account with Courts is advantageous for reference checks; however, a new application must still be submitted through R C Manubhai for hire purchase of building materials.

1 to 3 working days provided all information is accurate and all required documents are submitted.

You will receive a notification via text or email, depending on the contact details provided.

Farmers must be registered and have their income directly deposited into their bank account to qualify. If this requirement is not met, you do not qualify for hire purchase.

A bank account is mandatory. Applicants must provide the last 3 months’ bank statements with consistent deposits and a healthy balance. If this requirement is not met, you do not qualify for hire purchase.

The applicant must be residing in Fiji with a stable income. Third-party applications are not allowed.

Business applicants must provide the following:

• Business registration certificate
• Business Tax Identification Number (TIN)
• Last 6 months’ bank statements with consistent deposits
• Property or land ownership title

A letter from the Turaga ni Koro/Mataqali confirming your residency and duration of stay in the village is required.

Online applications are currently unavailable. You must visit a branch to submit your application for credit approval.

All income must be deposited into a bank account to meet the application criteria. If this requirement is not met, you do not qualify for hire purchase.