0800 399 666

If I fill out the Express Application what will happen?
The ( ASK DIRECT ) Enquiry Form will enable us to get enough information to quickly contact you or answer a question.

If I fill out the Full Application what will happen?
The Full Application will enable us to provide an "Unconditional" approval of your loan via return email.

What if my credit rating is poor?
Our flexibility allows us to deal with borrowers in all categories, however a higher interest rate would normally apply and additional guarantees may be required.

Will my application remain confidential?
The only people who will see it are ourselves or any other finance company with whom we do business. No other parties will see your personal information.   

What are your application fees?
On most occasions there are no fees for our services.
However loans for clients with less than perfect credit may incur a brokerage fee once the loan is approved. This fee is always fully disclosed in the loan agreement.

How long does it take to process my application?
In straightforward cases, once we have acknowledged your application we can get approval in an hour or two. If there are complexities, it could take 24 hours.

Can I change the amount of my loan after it is approved?
Yes, just let us know your new requirements and we can process it without re-application. This is subject to the repayments still falling within your disposable income guidelines.

What is a credit reference?
Sometimes loans can only be approved subject to a statement from previous lenders that you have been able to make payments on similar loans in the past.

What is a guarantor?
Occasionally there will be a need for a loan to be guaranteed by a parent (or parent-in-law). The guarantor needs to be living in New Zealand and have a good credit rating. In a case of serious default on the loan, the guarantor will be legally responsible for any outstanding amount.