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Trust Center

When you share information with Lending People, you're trusting us to keep your details safe and secure. This trust centre displays all the information you need about our obligations, systems, and processes, enabling you to make an informed decision about using our services.

Your Privacy

Your privacy is important to us. Find out what information we collect about you and how we protect, use, and share that information.

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Verifying Your Income & Expenses

Verifying your income and expenses is required to ensure you can comfortably afford your loan repayments. Learn more about the service we use to gather this information.

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Disclosure Statement

Explore what type of advice we can give, the duties we have when providing that advice, and what you can do if you are not satisfied with any aspect of our service.

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Payment Waiver

Payment Waiver is optional protection, and may waive your loan repayments if you’re struck by an unexpected life event that’s covered by your policy.

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Application Terms & Conditions

We help our customers access a range of loan and insurance products, and our services are provided under these Application Terms & Conditions.

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Website Terms of Use

We do our best to keep this website running smoothly and have taken all reasonable care to ensure this website's information is accurate.

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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 8.95% p.a. to a maximum of 28.95% 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 9.80% p.a. to a maximum of 29.91% 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 8.95% 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.

© The Lending People Limited Trading as Lending People (FSP240365) holds a license issued by the Financial Markets Authority (FMA) to provide financial advice services. Click here to view our Disclosure Statement.