Kontiki Finance

What Kontiki Finance does

Kontiki Finance Limited is a Fijian majority-owned Licensed Credit Institution headquartered at Level 5, TappooCity Building, Thomson Street, Suva. Established in 2015 and listed on the South Pacific Stock Exchange under the ticker KFL since 4 July 2018, the company operates as a regulated non-bank consumer and SME lender in Fiji and Samoa, with service centres in Suva, Lautoka, and Labasa, and a regional office in Apia, Samoa launched on 6 June 2025.

The company's product suite consists of three core loan products (Debt Consolidation Loans, Refinancing Loans, and Motor Vehicle Loans) with terms from 6 to 84 months, all of which carry mandatory Loan Protection Insurance underwritten by Platinum Insurance covering redundancy, permanent injury, or death. A Term Deposit product, with a $5,000 minimum and tenors from 3 to 120 months in Fiji and 3 to 60 months in Samoa, provides the funding base. Interest rates on loans are set case-by-case against risk factors and are fixed for the loan duration with fixed repayment schedules, and applications are processed in 1-2 working days via website, phone, email, or in-person.

Kontiki operates a sales-led, branch-and-dealer distribution model. Beyond direct service centres, it embeds in-store credit origination through partnerships with motor vehicle dealers (Pasefika Motors, Vailoa Motors, SAI Motors, Tuigamala Motors/Nissan Samoa) and a technology retailer (CSL Samoa), with partners submitting applications in-store to Kontiki for assessment. Revenue is generated primarily through interest income on the loan book, with mandatory loan protection insurance contributing a recurring secondary stream; term deposits act as funding, not a separate revenue stream. Total headcount sits in the 101-250 band; revenue figures are not publicly disclosed in available materials.

Name

Kontiki Finance

Legal name

Kontiki Finance Limited

Website

https://kontikifinance.com

Company type

Public

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

Kontiki Finance is a Fijian majority-owned, SPX-listed Licensed Credit Institution that provides debt consolidation, refinancing, motor vehicle, and term deposit products to consumers and SMEs in Fiji and Samoa through branch offices and dealer partnerships.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Credit Intermediation and Related Activities (522), Sales Financing (52222), Depository Credit Intermediation (5221)

SIC

Personal Credit Institutions (6141), Savings Institution, Federally Chartered (6035), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

akta.pro secondary industry

Small Business Debt Consolidation & Refinance (Owner/SME) (FSAKAIAI)

Keywords

• Consumer lending
• Debt consolidation loans
• Motor vehicle financing
• Term deposits
• Loan protection insurance

Headquarters

HQ city

Suva

HQ country

Fiji

HQ region

Oceania

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Loan Interest Income: Kontiki Finance generates revenue primarily through interest charged on loans including debt consolidation loans, refinancing loans, and motor vehicle loans. Interest rates are applied on a case-by-case basis depending on risk factors of each application.
2. Loan Protection Insurance: Mandatory insurance product backed by Platinum Insurance that covers loan repayments in cases of redundancy, permanent injury, or death. This provides an additional revenue stream and risk mitigation for the company.
3. Term Deposit Investments: The company accepts term deposits from $5,000 minimum, with terms ranging from 3 months to 120 months in Fiji and 3 months to 60 months in Samoa. Interest rates are fixed for the agreed term, providing a stable funding source for the company's lending operations.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Kontiki Finance is a Fijian Licensed Credit Institution that provides consumer and SME financing across Fiji and Samoa. Its core offerings are Debt Consolidation Loans, Refinancing Loans, and Motor Vehicle Loans, complemented by Term Deposit investment products and mandatory Loan Protection Insurance. The company distributes through owned service centres, dealer partnerships (motor vehicles and technology), and digital application channels.

Product overview

Kontiki Finance is a Fijian majority-owned Licensed Credit Institution established in 2015, operating as a unified financial services platform offering a portfolio of lending and investment products. The core product suite consists of Debt Consolidation Loans for merging multiple debts, Refinancing Loans for budget-tailored terms, Motor Vehicle Loans for new and used vehicles, and Term Deposits as fixed investment products. Loan Protection Insurance is a mandatory add-on covering all loan products, backed by Platinum Insurance. The company also provides financing for white goods, brown goods, furniture, and technology products through retail and motor vehicle dealer partnerships, and offers full-service financing solutions for dealer partners including credit applications, authorization, billing, remittance, and customer service processing.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Consolidation Loan Allows borrowers to merge multiple debts into a single, manageable loan with streamlined repayments. Customers can select loan terms (6–84 months) to potentially decrease monthly repayment amounts, with fixed interest rate locked for the loan duration.
• Refinancing Loan Enables borrowers to tailor their loan to fit their budget by selecting a different loan term, potentially reducing monthly repayments. Allows extra payments to shorten loan terms and decrease total interest paid; available for individuals and SMEs in Fiji and Samoa.
• Motor Vehicle Loan Financing for new or used vehicles including cars, SUVs, vans, and trucks. Offers flexible repayment options aligned with customer budgets, pre-approval options, and potential financing of car insurance for the loan term; distributed via direct service centres and dealer partnerships.
• Term Deposit Fixed investment product where funds are held for an agreed duration (3 months to 120 months in Fiji; 3 months to 60 months in Samoa) with locked interest rates. Offers multiple interest payment options including monthly, quarterly, bi-annual, annual, or on maturity. Minimum deposit of $5,000.
• Loan Protection Insurance Mandatory insurance product for all Kontiki Finance loans that covers repayments in cases of redundancy, permanent injury, or loss of life. Backed by Platinum Insurance and included for the full loan duration.

Quantifiable outcome

• Application processing time: 1-2 working days
• +2 more outcomes

Named customers15 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core and minor.

• Pasefika MotorscoreChannel Partner/ Reseller/ Distributor · 4 May 2026Vehicle financing partnership enabling customers to access flexible payment options when purchasing vehicles from Pasefika Motors. The partnership provides reliable vehicles with simple, helpful payment options making car ownership more accessible. Pasefika Motors offers vehicle sales, trade-ins, full after-sales support including servicing, mechanical repairs, panel beating, electrical diagnostics, air-conditioning maintenance, tyre services, windscreen repairs, and key-related solutions.
• CSL Samoa (Computer Services Limited)coreChannel Partner/ Reseller/ Distributor · 16 April 2026Partnership to expand access to technology through flexible financing options for customers across Samoa. Customers can access financing for Starlink kits, smart televisions, and computers. CSL Samoa handles application process in-store, then submits to Kontiki Finance for assessment. As a fully Samoan-owned business, CSL focuses on supporting the country's digital development.
• Individual Beneficiary (Giya Geetanglie Prasad)minorOthers · 10 March 2026$5,000 contribution towards urgent eye surgery for 13-year-old Giya Geetanglie Prasad. The contribution covered travel and medical costs for sight-saving amniotic membrane grafting surgery in India.
• Vailoa MotorscoreChannel Partner/ Reseller/ Distributor · 21 February 2026Vehicle financing partnership to make car ownership simpler and more affordable for Samoans. Vailoa Motors is a local used-car dealer proudly serving families and businesses for 6 years, built on honesty, quality vehicles, and friendly customer service. They offer vehicle sales, servicing, car parts, air conditioning services, mechanical services, car parts replacement, and windscreen replacement.
• Diabetes FijiminorStrategic or Co-development Partner · 24 December 2025Vehicle donation to Diabetes Fiji to support rural outreach programmes. The vehicle will enable health workers to travel directly into villages where distance, transport costs, and limited mobility have prevented patients from attending regular clinics. Partnership aims to expand outreach visits, conduct screenings, deliver education sessions, and provide follow-up care in underserved communities.
• SAI MotorscoreChannel Partner/ Reseller/ Distributor · 13 December 2025Financing deal allowing more Samoans to own vehicles. SAI Motors has been serving the Samoan community for almost 20 years, known for quality used cars and services including regular vehicle servicing, panel beating, car tyres, car parts, and windscreen solutions. Customers can choose vehicles at SAI Motors and connect directly to Kontiki Finance staff for application assistance.
• Tuigamala Motors (Nissan Samoa)coreChannel Partner/ Reseller/ Distributor · 10 December 2025Finance partnership for new Nissan and Kia vehicles. Tuigamala Motors is the exclusive distributor of Nissan in Samoa and secured Kia distributorship in 2024. They offer full lineup of new Kia models including Hybrid and Electric vehicles. Full after-sales support for both brands includes genuine parts, professional servicing, and dedicated care throughout vehicle lifetime.
• Fiji Cancer SocietyminorStrategic or Co-development Partner · 14 November 2024Cash donation to support the Society's ongoing efforts in raising cancer awareness and providing vital care to those affected by the disease.
• Leadership FijiminorStrategic or Co-development Partner · 10 July 2024Ongoing partnership to nurture and develop Fiji's future leaders. Kontiki Finance supports Leadership Fiji programmes focused on personal and professional development, encouraging participants to take on leadership roles and contribute to their communities. Support enables Leadership Fiji to expand programmes and establish a Leadership Fiji Centre for Fiji and the Pacific.
• Platinum InsurancecoreStrategic or Co-development PartnerProvider of Loan Protection Insurance which is mandatory for all loans from Kontiki Finance. Insurance covers loan repayments in cases of redundancy, permanent injury, or death, providing peace of mind for customers.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Regional players

• Bred Bank Samoa: Samoa-based commercial bank offering personal loans, vehicle loans, and deposit products. Competes with Kontiki in the same newly-entered Samoan consumer and SME credit market.
• Samoa Commercial Bank: Samoa's largest commercial bank, providing consumer loans, vehicle finance, and deposits across the same market Kontiki just entered. A direct incumbent competitor for Kontiki's greenfield Samoa expansion.
• Unit Trust of Fiji: Fiji-based investment management company offering pooled investment funds to retail and institutional investors. Comparable as a Fijian financial services platform; Kontiki's director Mahipriya Meddepola is also GM Finance & Investment at UTOF, indicating ecosystem overlap.

Broad incumbents

• ANZ Bank Fiji: Major commercial bank in Fiji offering consumer loans, vehicle finance, and a broad deposit franchise. Competes with Kontiki in retail credit and deposit-gathering, though from a much wider banking portfolio.
• Bank South Pacific (BSP): Largest Pacific bank, operating across PNG, Fiji, Samoa, Tonga, Solomon Islands, and Vanuatu. Provides consumer loans, vehicle finance, and deposits in the same geographies Kontiki serves, posing competitive pressure from a much larger incumbent.
• Fiji Development Bank: State-owned development finance institution providing credit to SMEs, agribusiness, and rural borrowers in Fiji. Competes with Kontiki for the SME segment and represents a broad incumbent alternative for borrowers in the same geography.

Direct peers

• Home Finance Company (HFC Bank Fiji): Fijian licensed financial institution providing home loans, personal loans, vehicle loans, and term deposits to consumers and SMEs. Overlaps directly with Kontiki's consumer lending and deposit-gathering business in the same primary market.
• Merchant Finance Limited (Fiji): Fiji-based finance company providing personal, vehicle, and merchant financing to consumers and small businesses. Competes with Kontiki in the same product categories and same Pacific geography.
• Credit Corporation (Fiji) Pte Ltd: Fiji-based non-bank lender offering consumer and SME finance products including vehicle loans, personal loans, and merchant finance. Highly comparable to Kontiki in product mix, target customer, and Pacific market footprint — Kontiki's own former MD Peter Dixon led this business.

Others

• Kontiki Capital: Fiji-based investment advisory and fund management firm; shares directors and management with Kontiki Finance (Griffon Emose is MD of Kontiki Capital and a Director of KFL). Comparable as a Pacific financial services peer under common ownership influence.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Kontikifinance
• LinkedInlinkedin.com/company/19072120/admin/feed/posts
• Xx.com/kontiki_finance

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kontiki Finance