FAQs

Normally you must be at least 18 years old, a permanent New Zealand resident and have a regular income. However if you had someone who would be a guarantor it would definitely be considered.

As soon as you have filled out an application for credit and supplied the required information, it usually takes less than one hour - subject to responsible lending inquiries and checks. We need to be sure the loan is right for you and that you can afford the repayments.

You can use a loan for just about anything. This can include a holiday, education fees, car loans, unexpected bill payments, boat finance, car repairs, bond money, funeral expenses, or debt consolidation. If there is any particular need you have please talk to us about it.

For Handy Little Loans (unsecured) to most we lend is $1000. For Secured Loans it depends on the amount of security offered and on your ability to make repayments. We can assess this once you have made an application. Our maximum loans size is $5000.