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Help & SupportFrequently Asked Questions

Frequently Asked Questions

Looking for a little more help? You might find your answer in our frequently asked questions (FAQs).

Personal Loans

A personal loan allows you to borrow money to pay for personal expenses (like a holiday, a wedding, car repairs, or travel) and then repay that money over time.

The first step is to apply online. Our digital platform will then assess the information provided and approve, decline, or refer your application to one of our advisers in under 60 seconds.

If you are approved, a loan contract is generated and emailed to you. Once the loan contract is signed electronically, funds are paid directly into your nominated bank account.

You will then repay those funds (plus interest and fees) over the agreed loan term, usually between 1 and 7 years.

Yes, you can pay off your loan in full at any time. An early repayment fee may apply and varies between lenders; details of these fees (if any) will always be on the loan contract you sign.

The short answer is yes. A range of lenders will be willing to look beyond your credit history (within reason) and focus on your strengths, like employment and income. Our platform can help match you with one of these lenders. You can learn more about what information is on your credit report, how we might use that information, and what it means for you by reading our insights.

How many loans you can have will depend primarily on your income. Someone may have five loans, as long as they earn enough to afford the repayments comfortably.

We can offer consolidation if you have multiple loans and want to simplify your finances. With consolidation, you will have just one regular repayment to maintain and a fixed end date. So, you can count down the days until you are debt-free.

Yes, if you are married, de facto or in a civil union, you can choose to apply yourself or with your partner.

Our platform assesses lots of data about you and your circumstances to maximise your chance of approval. This data includes (but is not limited to) your credit profile, employment stability, income, repayment history, and how you manage your money.

Home Loans

We are one of the only digital platforms that will 'vet' your application within seconds, so you know you are mortgage ready. Lending people offers a seamless digital experience that is 100% online. Chat to your adviser, track your application, upload documents, and book calls all from your secure online portal. It's easy and fast.

We genuinely care about our customers. We work with a more comprehensive range of lenders, unique facilities, have highly experienced advisers, and an online intelligent digital platform.

Absolutely! We can offer pre-approval for 90 days. If you are going to an auction, we can guide you through the entire process, with the right buying expectations and approval for the right amount.

We are specialist lenders for non-bank home loans. Many of our facilities do not consider your credit score when approving a home loan. They look at your ability to pay, employment stability, and fair rates from 3.95% for impaired credit home loans.

Your adviser will contact you to discuss your application, and after this is complete, you will submit it to the ledgers best suited to approve your application. Lenders can take from 1-2 days to 10+ days, depending on the demand. Your adviser will understand your needs in terms of timing and make sure your application is placed with the right lender to meet your deadlines.

Buy a first home, next home, investment property, home renovations, buy a business, debt consolidation, pay tax bills. There are so many options. When you talk to your adviser, they will tailor the right solution for your circumstances.

The rates offered directly through the banks are the same as if you go through a mortgage adviser. With our mortgage advisers, you can relax knowing you have the best Bank or lender for your circumstances. The Bank pays us a commission for processing your application.

Your adviser will help you through the application process once you have completed your online application. You need to confirm your income with a combination of bank statements and payslips; you will require a current valid photo ID and proof of address.

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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 are an existing customer who has previously entered into a personal loan that we arranged on your behalf; or 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 6.95% 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.