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Posted in Guides and Insights

When to use your financial tools (and when not to)

Cash, EFTPOS, credit cards, debit cards, personal loans…you have a swath of financial tools at your fingertips, but it’s important to know the best situations to use them in and when not to.

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7 minutes

3 easy steps to make a budget

It’s a boring word, but having a simple budget can give your finances a massive boost, and have you feeling pretty chuffed with yourself.

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6 minutes

4 ways a Personal Loan could make your life better

There are times when a Personal Loan could help you save money and help make your life a bit better

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5 minutes

Posted in Guides and Insights

Tips for planning a wedding in a pandemic

Planning a wedding in the current climate is risky to say the least, but there are steps you can take to push ahead while managing the risks. See our tips here.

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5 Minutes

Posted in Guides and Insights

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Terminology

Desk Top Valuation

A property valuation that is completed online rather than inspected in person.

More terminology
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¹Fees: We do not charge a fee to use our service (commonly referred to as a platform fee, broker fee, or referral fee) if you do not enter into a personal loan arranged by us. A fee to use our services is applicable in all other cases. See our Terms & Conditions for the applicable fees.

²Annual Interest Rate (AIR): The AIR offered by our Personal Loan providers ranges from 7.90% p.a. to a maximum of 26.95% p.a.

³Annual Percentage Rate (APR): Also known as the 'comparison rate', the APR is calculated by adding together the AIR plus any additional fees that may apply (like establishment fees charged by providers). New Zealand law does not require APR disclosure, but doing so can better highlight borrowing costs. The APR offered by our Personal Loan providers ranges from 7.80% p.a. to a maximum of 27.91% p.a. The APR is accurate only for the representative example given below and may not include all fees like early repayment fees (if any). Different terms, fees or other loan amounts might result in a different APR.

⁴Minimum and Maximum Repayment Terms: Repayment terms offered by our Personal Loan providers range from 12 months to a maximum of 84 months.

Representative Example of the Total Cost of a Loan: If you borrow $20,000 over a repayment term of 36 months at an AIR of 6.95% p.a., your total repayments will be $22,493 (made up of $20,000 principal, interest charges of $2,243, and an establishment fee of $250). This example assumes monthly repayments and does not include premiums for any optional insurances, fees for using our services (if any) or default fees.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & Conditions. All approvals are subject to provider credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your circumstances, the type of lending required, and the security (if any) provided will reflect the loan amount and interest rate offered by the provider. Provider establishment fees, terms, and conditions apply.