FAQs
Need answers? We’re here to help
- Be 18 years or older
- Hold one of these photo IDs:
Be a NZ citizen, resident or have a valid work visa with at least 13 months remaining
Earn at least $600 per week paid into your own bank account
Have a good credit history (some lenders may accept limited history for visa holders)
Yes, if your Work Visa is valid for a minimum of 12 months you are eligible to apply. The loan term would be limited to the expiry date of your Visa and security may be required, for example a freehold vehicle. To discuss your personal circumstances, please give us a call.
Yes, if you have a regular income of at least $600 per week after tax paid into your own bank account. Most successful applications are from people in stable employment. Your application will also depend on your loan purpose, affordability and a good credit history.
Yes, for personal loans we do charge a fee, this is called a broker or introducer fee. As every application is unique, the fee charged will vary depending on the work and time spent on attaining the loan approval for you. The broker/introducer fee can be added to the total loan amount and is not required to be paid up front. For home loans we are paid a commission from the bank for successful applications, in some instances where a commission is not paid, then a fee may be charged. All fees that apply to your lending will be discussed with you before you commit to anything.
You’ll usually hear back within the same business day. In most cases we’ll have an update for you within a few hours. If it takes longer it is usually because we are waiting on missing documents like your bank statement, ID or other required information. Once we have everything we need we can move quickly and it will be no more than two working days.
General FAQs
We offer personal loans, debt consolidation loans, vehicle loans and business loans. For both personal and business loans these can be secured or unsecured, whereas vehicle loans are secured using the vehicle you are purchasing as security.
Our lending criteria varies. We are a broker and work closely with a number of trusted finance partners, this enables us to offer flexible lending criteria, covering the wide range of needs and personal circumstances of our clients.
For vehicle finance yes, you will need to hold a valid NZ Drivers Licence. If you are applying for a loan for any other purpose, we can also accept a Passport or Kiwi Access Card along with embossed + signed bank card.
For personal loans, the interest rates our finance partners offer are from 9.95% per annum. The interest rate you will be offered is determined by your personal profile, including credit score and history and if any security is being offered. Rest assured our dedicated team work very hard to find the best deal for you, if the rate you are offered doesn’t work for you, talk to us.
*Rates are subject to change.
We offer both secured and unsecured lending options. Security may be required if you have adverse credit history or to secure a lower interest rate.
Yes, you can pay off your loan in full at any time. An early repayment fee may apply and varies between lenders; details of these fees (if any) will always be on the loan contract you sign.
Yes, you can. If you're on a resident visa or a work visa with at least 13 months left, you’re welcome to apply. You’ll also need to be over 18, earning at least $600 a week in New Zealand, and have a fair credit history.
We work with lenders who are happy to consider visa holders, and we’ll do our best to match you with the right option. Apply online and we’ll take care of the rest.