Important lending criteria, terms and conditions apply. A variable interest rate between 26.75% – 34.95% p.a. applies. Actual interest depends on terms and individual circumstances. An administration fee of $5 a month applies. An additional establishment fee of up to $205 and a PPSR registration fee of $8.05 apply, to be paid up-front or capitalised over the contract term. An Optional DTR Liability Waiver (DLW) fee may apply. Satisfactory evidence of household insurance may be required if DLW is not selected. Thorn Group Financial Services Limited (trading as dtr).