Whether you’re dreaming of a tropical getaway, planning a home renovation, or consolidating high-interest debt, our flexible personal loans can make it happen. We also understand that life is full of unexpected twists and turns and sometimes you’re faced with unexpected expenses. Whatever the reason, we’ve got you covered.
How we can help
We’ll find you the right loan at the best interest rate with repayments to match your income.
1
Save you time
We streamline the process by handling the paperwork and negotiations on your behalf. We can quickly present you with offers from different lenders, allowing you to compare rates and terms without the hassle of approaching each lender individually.
2
Give you expert guidance
We understand the intricacies of financing, interest rates, and loan terms. You will receive personalised advice based on your individual financial situation. Plus, we can advise you on additional features such as loan protection insurance or extended warranties.
3
We negotiate on your behalf
We are well-versed in negotiating finance deals and can advocate for better terms on your behalf. We understand the market, interest rates, and loan terms and can help you secure a competitive interest rate and favourable loan conditions.
4
Protect your credit score
When you apply for a loan, lenders typically check your credit score. Multiple credit checks can negatively impact your credit score. We confirm your credit once before sending your application to lenders. This minimises the impact on your credit score.
What you need to apply
To apply for a loan you must:
Be at least 18 years old
Have a valid passport or New Zealand driver’s licence
Be a New Zealand citizen, or have a valid work or resident visa
Provide these items:
Valid passport or New Zealand driver’s licence
Proof of your address
Bank statements showing the last 90 days
Still have questions?
Check out these helpful FAQs or get in touch with the team. We are here to help.
FAQs for personal loans
Check out these helpful FAQs or get in touch with the team.
What is a personal loan?
A personal loan is an unsecured loan that you can use for various purposes, such as debt consolidation, home improvements, medical expenses, education, wedding, or even a dream holiday. Unlike secured loans (which require collateral), personal loans are based on your creditworthiness and income.
How much can I borrow for a personal loan?
The loan amount you can borrow depends on various factors, including your income, credit history, and the lender’s policies. You can use our quick loan calculator to get an estimate of your repayments to ensure they fit your budget.
How long does it take to get a decision on my loan application?
We aim to provide a decision within a day, sometimes sooner. However, responsible lending checks are necessary, including assessing the suitability and affordability of the loan.
What information do I need to supply when applying for a personal loan?
After completing the application with your personal and financial details, you’ll need to provide evidence of your identity, address, income, and expenses. This includes items like a copy of your driver’s license, proof of income, and bank statements.
How long will it take to receive the money in my account?
Once your loan is approved and signed, your funds are usually available the next business day.
How will lenders determine my ability to repay the loan?
Lenders assess your income, expenses, credit history, and other factors to determine whether you can afford the loan. They may ask for bank statements and other documentation.
Can I consolidate multiple loans into one?
Definitely! We can help you consolidate existing loans into a single personal loan. This can simplify payments and potentially lower interest rates.
What if I have a poor credit rating or defaults?
We understand that sometimes life throws curveballs, leading to a poor credit score. If you share your complete circumstances with us, in most situations, we can still offer help. Even if there are extra security steps, we’ll do our best to assist. Our goal is to find affordable solutions that benefit you.
