---
title: "How does it work?"
description: "Application"
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md_url: "https://justfund.brainfish.ai/articles/how-does-it-work-UXsiWY5x4D.md"
---
# How does it work?

1. **Application**
   Apply online at [www.justfund.co.nz](https://justfund.co.nz/), or call us on 09 918 9155 to see how we can help.
2. **Assessment**
   After receiving all information, eligibility is determined typically within 2-5 business days.
3. **Approval**
   We will send your agreement to sign electronically and a letter of instruction to provide to your lawyer.
4. **Invoices**
   We pay legal bills and disbursements on your behalf with your written approval.
5. **Repayment**
   Repay at the conclusion of your property split and only from your settlement proceeds.

## What are the fees?

Helpfully, you will not pay anything out-of-pocket until your family law matter is finalised. Any applicable fees and charges are debited to your account and repaid as a lump sum by you upon settlement of your matter. Once approved your line of credit is subject to the following:

* **Interest** – Variable rate charged on the debit balance of your account.


* **Assessment & Administration Fee** – This covers our costs of conducting a full legal merit assessment of your family law matter based on your unique circumstances and establishing a line of credit.


* **Invoice Processing Fee -**  this covers the cost of processing invoice payments on your behalf and reviewing updates on the status of your legal matter. The Invoice Processing Fee is 3.75% of each amount drawn on your account.


* **Security Lodgment Fee** - We may also pass on the cost of lodging
  security over a property such as a caveat or mortgage if required.

**For current fees and interest rates visit [www.justfund.co.nz](https://justfund.co.nz/) or contact us on 09 918 9155**