How do I apply?
Just click apply now. This will take you to the step by step application page where it will take just a few minutes to apply. Alternatively give us a call on 0800 728 553.
Just click apply now. This will take you to the step by step application page where it will take just a few minutes to apply. Alternatively give us a call on 0800 728 553.
The criteria for borrowing is different depending upon your situation and requirements.
We have compiled a list of most commonly asked questions and suggest you have a read through these. Once you have done this, either complete the full application form or feel free to give us a call on 0800 728 553.
This is dependent upon a number of factors:
Please complete the application form and we will give you a call. If we can’t approve the full amount we will discuss with you what we can do.
Sometimes the same day you apply. If not, probably the following day. Either way, it never takes long.
You need to be at least 18 years of age in New Zealand to sign a loan contract.
Usually yes, however we will consider all scenario’s. Any application must be supported by income and expense information that meets our income calculation. (This may also rule out low income earners.) You still need to meet our affordability criteria so we also look at your outgoings like rent/board/mortgage payments.
Interest rates are fixed for the term of the loan. The rate charged will depend on your financial circumstances taking into account:
To understand the rate that will apply to you, please call 0800 728 553.
A secured loan is a loan where the borrower pledges some asset (e.g. a car, boat, caravan, property) as back-up (security) for the loan. Providing security can help you borrow a larger amount and can help reduce the interest rate we offer you.
There is no requirement for the borrower to provide any collateral for an unsecured loan. Typically, this means that the amount you can borrow is less and the interest rate charged is normally higher.
Generally the purchased item is sufficient as security on the loan.
Up to 60 months to approved purchasers.
The process starts once we have all the information from you that we need to make a loan application. It can vary depending on the nature of the loan but we always aim to get it done as quickly as possible.
To help us get the quickest approval possible we will need your photo ID, 60 days’ bank statements, and proof of your income. These can be emailed or faxed to us. The sooner you send us this information the sooner we may be able to approve your loan.