FAQ's

We offer personal loans up to $100,000, and debt consolidation loans up to $200,000, tailored to meet your financial needs. These are mostly unsecured but where security is used a rate discount can be applied.

Our interest rates are competitive and start as low as 8.99% AIR. Rates may vary based on your credit profile and loan terms.

You can borrow anywhere from $3,000 to $200,000, depending on your eligibility, financial situation, lender and loan type. We can guide you through the best options for your financial circumstances. 

Our loan repayment terms range from 12 to 84 months, giving you the flexibility to choose a schedule that suits your budget. You can always elect to pay more with most of our lenders not charging any early settlement fees.

To be eligible, you must be a New Zealand resident or citizen, or on a work visa, be at least 22 years old, and have a regular income.

While a good credit score helps, we consider applications from individuals with various credit backgrounds. Our goal is to find the best solution for you.

You will need to provide identification, proof of income, and bank statements. Additional documents may be required based on your application.

Yes, self-employed individuals can apply. We may require additional documentation to verify your income.

Simply fill out our online application form, which takes just a few minutes. Once submitted, our team will review your application and get back to you promptly.

Most applications are processed within 3 hours. Once approved, funds are typically transferred to your account within one business day.

Yes, you can track the progress of your loan application through your client portal, keeping you updated every step of the way.

After approval, you'll receive a digital copy of your signed loan agreement. The CCCFA grants you a reconsideration period to review and, if necessary, cancel the contract.

We offer a range of business loans including term loans, working capital loans, and equipment financing to help support your business growth and operational needs.

To qualify, your business must be registered in New Zealand, have been operational for at least 12 months, and meet our credit and financial assessment criteria.

Loan amounts range from $5,000 to $500,000, depending on your business needs, financial health, and eligibility.

Upon approval, funds are typically disbursed within one to two business days, ensuring you can promptly address your business needs.