Trust CenterVerifying Your Income & Expenses

Verifying Your Income & Expenses

Providing Your Bank Statements

We need your most recent bank statements so that our platform can confirm your current income and expenses.

Providing this information helps us to assess whether you are eligible for a loan from the available providers.

Don't worry if you think your bank statements aren't so flash. Our platform assesses thousands of bank statements each month and we are able to assist different types of customers.

How do I provide you with my bank statements?

You can provide your bank statements when you apply for a loan on our website or submit them later using your application dashboard. Either way, it only takes a few seconds.

We use a secure service from illion Open Data Solutions that provides us with a one-time, read-only copy of your bank statements for the past 90 days.

The copy we receive is digital, which enables our platform to instantly assess your income and expenses, eliminating human error and resulting in a faster lending decision.

We do not accept manually provided PDF statements.

Is it secure?

Yes, very. The service provided by illion Open Data Solutions offers a one-time retrieval of your bank statements, and it only happens with your authorisation.

Your login credentials are never seen and never stored. All data sent to our server is encrypted with 256-bit encryption and secured by 2048-bit keys, the same kind of security banks use to protect data.

Our Privacy Policy gives you the right to ask for a copy of any personal information we hold about you, including the bank statement data we receive. So, if you would like to see what information we receive as part of this service, let us know, and we will be happy to share it with you.

How do I access my application dashboard and complete this task?

To access your application dashboard, click on the secure link in the e-mail or SMS you received from us. The sooner we receive your bank statements, the sooner we will be able to assess your application. Let's go!

What if I don't want to use this service?

We will not be able to confirm your current income and expenses, and you will not be able to proceed with your loan application.

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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.