Borrowing Tips
Soft Credit Check NZ: What It Is and How It Works
Applying for a loan in NZ does not have to hurt your credit score. Here is exactly how soft credit
Straight-talking guides on personal loans, car finance, debt consolidation and business lending in NZ. Learn how to borrow smarter, protect your credit score and get matched to the right lender.
Applying for a loan in NZ does not have to hurt your credit score. Here is exactly how soft credit
The headline rate goes to a small slice of applicants. Here is how to actually land near the bottom of
One of these usually costs you significantly more than the other for the same expense. Here is how to tell
Losing your job does not automatically rule out a personal loan in New Zealand. Lenders care about income, not job
Stuck on a high car loan rate? Refinancing could lower your repayments without having to sell the car.
You have found the car. The price is right. The only problem is that you do not have a deposit
Afterpay, Zip and Laybuy repayments adding up faster than you expected? Here is how to roll them into one manageable
Debt consolidation sounds like the obvious answer when you are drowning in repayments. But is it actually worth it? Here
Juggling multiple repayments every week is stressful and expensive. Here is how one loan could simplify everything.
Many Filipino workers in NZ get declined by banks for the wrong reasons. Here is how to get approved through
Our guides sit alongside the loans we help Kiwis get every day. Jump straight to the finance option that fits your situation.
From $3,000 to $250,000 for almost any purpose. One application, matched to the right lender.
Learn moreFinance your next vehicle with competitive rates and no credit score impact from our check.
Learn moreRoll multiple repayments into one and simplify your finances with a single manageable payment.
Learn moreFund your kitchen, bathroom or extension with secured and unsecured options from 8.99% p.a. (AIR).
Learn moreWorking capital, equipment and growth finance from $5,000 to $500,000, funded in as little as 24 hours.
Learn moreEstimate your monthly repayments across different amounts, terms and rates before you apply.
Try it nowNot sure which fits? Apply once and we match you to the right lender from multiple vetted NZ lenders.
Get My Loan Options*Rate and approval is subject to provider credit criteria. Lender establishment fees, terms & conditions apply.
*We complete a soft-touch credit enquiry during our assessment, which does not impact your credit score. After we determine the most suitable lender and submit your application, some lenders accept this enquiry, while larger lenders may conduct their own standard credit check as part of their process.
Vehicle and Personal Loan Disclosure: For vehicle and personal loans, the Annual Interest Rate (AIR) and Annual Percentage Rate range from 8.99% p.a. to a maximum of 29.95% p.a., on a minimum loan term of 6 months to a maximum term of 84 months. Our services are provided in accordance with our Terms & Conditions. The actual interest rate charged to you is determined by the lender and will depend on your personal profile, credit history, the type of lending required, and the security provided (if any).
For vehicle and personal loans, fees apply; including an establishment fee of up to $450 and an introducer/broker fee of up to $1,500. Representative example: A loan of $5,000 over 12 months at 12.95% p.a. has fees totalling $735 and a total repayment of $6,145.20, equating to 12 monthly payments of $512.10.
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