These terms and conditions apply to your use of the Lending Room website and services. By using our site you acknowledge that you have read and accepted these terms.
Lending Room Limited welcomes you to this website. These Terms and Conditions are to be read in conjunction with the Lending Room Limited Website Privacy Policy. By viewing the pages of this website, you acknowledge that you have read and accepted these disclaimers.
Lending Room Limited reserves the right to update or amend these Terms and Conditions without notice at any time and your continued use of the website or services following any changes shall be deemed to be your acceptance of such change. It is a condition of your use of this website that you observe the Terms and Conditions at all times and your responsibility to check the Terms and Conditions regularly for any changes.
The products and services described in this website are available only to people living in New Zealand. Lending Room Limited regrets that at this time it cannot accept applications for these services from persons other than New Zealand residents. The information contained in this website should not be regarded as promoting any product or service other than those offered by Lending Room Limited in New Zealand.
The information contained in this website has been prepared under New Zealand law for the supply of these products and services in New Zealand only. Lending Room Limited does not accept responsibility for the compliance of this information with the laws of any other country. Accordingly, the information is not directed at persons in any other country and should not be relied upon by persons in any country other than New Zealand.
If you plan to emigrate to New Zealand, you will be able to obtain further information about Lending Room Limited products and services upon your arrival.
All applications for credit are subject to the Lending Room Limited and/or the financial provider's lending criteria as applicable at the time of application. No information on this website is intended to constitute an offer to enter into any transaction or relationship with you, the promotion of any product or service other than those offered by Lending Room Limited in New Zealand, or to provide the basis of any credit.
All online applications are subject to verification of information. If it is shown that information has been falsified, then Lending Room Limited may at its discretion refer your application to the appropriate authorities.
Parents who wish to allow their children access to and use of the website should supervise such access and use. Lending Room Limited can only accept applications from those over 18 years of age and will take action to verify the identity of each applicant.
As part of our commitment to compliance with the Credit Contracts and Consumer Finance Act (CCCFA), Lending Room provides transparency regarding our finance partners' interest rates, fees and contract terms. Below you will find links to our lending partners' respective pages where you can access their rates, fees and contractual information.
| Finance partner | Rates and fees | Contract terms |
|---|---|---|
| Avanti Finance | View rates and fees | View contract terms |
| Oxford Finance | View rates and fees | View contract terms |
| Finance Now | View rates and fees | View contract terms |
| Jade Finance | View rates and fees | View contract terms |
| Financial Holdings | View rates and fees | View contract terms |
| MTF Finance | View rates and fees | View contract terms |
| Pioneer Finance | View rates and fees | View contract terms |
| Personal Loan Corp | No online presence | No online presence |
| AKF Finance | No online presence | No online presence |
If you have any questions regarding the terms, rates or fees of any of our finance partners, please reach out to us for further clarification. We encourage all customers to review these details carefully before entering into any financial agreement.
Lending Room is offering a cashback reward of up to $500 on eligible car loans settled during the promotional period. The cashback is issued in the form of a virtual Prezzy Card and is subject to the terms and conditions set out below.
| Condition | Detail |
|---|---|
| Promotional period | Car loans settled between 1 April 2026 and 31 May 2026 |
| Minimum loan amount | $10,000 |
| Cashback form | Virtual Prezzy Card |
| Cashback value | $100 minimum to $500 maximum — actual value at Lending Room's discretion |
| Prezzy Card issuance | Within 10 working days of the loan being finalised and paid out |
| Eligibility | New car loan applications submitted and settled through Lending Room only |
The cashback value is determined by Lending Room at its sole discretion based on the loan amount, lender and other factors. The cashback is not a guaranteed fixed amount and may vary between $100 and $500. Lending Room reserves the right to determine the final cashback value for each eligible loan.
To be eligible for the cashback offer, the following conditions must be met:
The virtual Prezzy Card will be issued to the email address provided by the borrower within 10 working days of the loan being finalised and paid out. Lending Room accepts no responsibility for Prezzy Cards that are undelivered due to an incorrect or invalid email address being provided.
The cashback offer is non-transferable and cannot be exchanged for cash or any other form of payment. The offer cannot be combined with any other Lending Room promotion or offer unless expressly stated. Lending Room reserves the right to withdraw or modify this offer at any time without notice, provided that any loans already settled during the promotional period will still be honoured.
The cashback offer applies to car loans only. It does not apply to personal loans, business loans or any other loan type offered through Lending Room, regardless of the purpose of the loan.
Any disputes regarding the cashback offer should be directed to Lending Room at info@lendingroom.co.nz. Lending Room's decision in relation to any dispute is final.
While Lending Room Limited has taken every care to ensure that the information contained on this website is complete and accurate, it does not represent or warrant the accuracy or completeness of any information on this website or that this information is suitable for your intended use.
Lending Room Limited accepts no responsibility or liability arising from or in connection with your use of this website and the information contained on it. Lending Room Limited reserves the right to change any information available on this website at any time without notice, including but not limited to terminating or discontinuing all or any aspects of this site.
Please consult a staff member of Lending Room Limited before selecting a product or service or acting on the basis of information provided by this website.
Any information provided by you is protected by the Privacy Policy associated with this website. You may access personal information held by Lending Room Limited by contacting us and request correction of any errors in that information.
By providing information to Lending Room Limited, you grant to Lending Room Limited the right to transmit and distribute such information. You further recognise that Lending Room Limited does not want you to, and you warrant that you shall not, provide any information to Lending Room Limited that is defamatory, harassing, plagiarised or otherwise unlawful.
Links to third party websites that are controlled and maintained by other entities may be provided on this website. Any link to other websites is not an endorsement, affiliation or association with such websites and you acknowledge and agree that Lending Room Limited is not responsible for the content or availability of any such sites. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other unfavourable elements.
Lending Room Limited holds all copyright and other intellectual property rights in this website and its contents and reserves all rights, save as provided in this disclaimer. You may electronically reproduce and store the contents of this website solely for the purposes of viewing this website, or saving website content, for your own personal use. You may not display or distribute the content of any of these pages in public or where the content is accessible to the public, including any reproduction in any form on the internet, without the permission of Lending Room Limited.
Any infringement of Lending Room Limited's intellectual property rights will be fully enforced under New Zealand law.
Please do not create a link to any of the pages on this website without the prior permission of Lending Room Limited. If you do create a link to any of the pages on our website, you acknowledge that you are responsible for all direct or indirect consequences of the link, and you indemnify Lending Room Limited for all loss, damage, liability, costs or expense arising from or in connection with the link.
Hypertext links which Lending Room Limited provides on this website to other internet resources are not investigated or monitored by Lending Room Limited. Accordingly, the content, timeliness, opinions and hypertext links found on internet resources to which we provide hypertext links are also not investigated or monitored by Lending Room Limited.
If you wish to create a link to any of the pages on this website, please contact us.
Information transmitted over the internet is inherently insecure. However Lending Room Limited provides encrypted application forms to ensure security of your personal information. Once Lending Room Limited receives any personal information from you, Lending Room Limited will hold that information securely and will only use it to provide information to you and for statistical purposes. Please see our Privacy Policy for further information regarding our website security.
Lending Room Limited does not represent or warrant the accuracy, adequacy or completeness of any information provided by the calculators and/or interactive tools on this website which are intended to be illustrative only.
Any services or communication tools provided on this website are for your personal and non-commercial use only.
Any service that requires you to open an account will require you to provide certain information and register a username and password for use with that service. The confidentiality and maintenance of the username and password and for all activities that take place under your account are your responsibility. You agree to immediately notify us of any unauthorised use of your password or account or any other breach of security.
Lending Room Limited has the right to terminate your access to any or all of the services at any time, without notice, for any reason, including without limitation breach of these Terms and Conditions.
Lending Room Limited will not be liable for any indirect or consequential loss or damage whatsoever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the website as permitted by law.
You agree to indemnify and hold Lending Room Limited harmless from and against any breach by you of these Terms and Conditions and any claim or demand brought against Lending Room Limited by any third party arising out of your use of the website and/or any content submitted, posted or transmitted through the website.
Content and information on this website may contain inaccuracies and typographical errors. Lending Room Limited does not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed through the site. You acknowledge that any reliance on any such opinion, advice, statement, memorandum or information shall be at your sole risk.
Lending Room Limited strongly recommends that you seek independent advice before acting on any information on this website. This website is not designed for the purpose of providing personal financial or investment advice.
This website and these Terms and Conditions are governed by, and are to be interpreted consistently with, New Zealand law. Any disputes arising out of the same shall be resolved by the exclusive jurisdiction of the Courts of New Zealand.
Questions about these terms?
