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Trust CenterWebsite Terms of Use

Website Terms of Use

Website Terms of Use

This website is operated by The Lending People Limited trading as Lending People and provides you with general information that is true and accurate to the best of Lending People's knowledge.

General information only

The information on this website is general in nature and is not intended to be personalised financial advice. You should consult a professional financial adviser before making any financial decisions or taking any action based on the information on this website.

No liability

Lending People does not accept any liability for any loss or damage arising from the use of this website. This does not prejudice your statutory rights.

Accuracy of information

While Lending People has taken all reasonable care to ensure the information on this website is accurate, errors and omissions may occur. We do not accept any responsibility for any inaccuracy, error, or omission in the websites content, or for any loss caused to anyone from relying on that information. We may change, delete, add to, or otherwise amend the information published on this website without notice.

Historical information

Any reference on this website to historical information and performance of a product or service may not necessarily be a good guide to future performance. You are solely responsible for any loss caused from relying on such information.

Third Party websites

This website may contain links to other websites which are not under our control. Lending People has no knowledge of or control over the content, and availability of those websites, or of their privacy practices. We do not sponsor, recommend, or endorse the content of other websites linked to, or referenced from, this website.

New Zealand law

The information on this website has been prepared to comply with, and is governed by, New Zealand law. It is only intended for use by persons within New Zealand's jurisdiction. Lending People does not make any representation that the information on this website complies with the law in any other country.

Cybersecurity

Although we regularly update our cybersecurity and virus protection software, we do not guarantee that our website will be free from viruses or other malicious interference (such as spyware, malware, adware, ransomware, and worms) that can damage your computer system and access your data.

Continuous access

We do our best to keep this website running smoothly. However, we do not guarantee that access to the website will be uninterrupted. We accept no liability for any loss caused by the website being temporarily unavailable either during its planned maintenance or due to technical or other issues beyond our control.

Copyright and IP

Unless otherwise indicated, all information on this website is the property of Lending People and is protected by copyright and intellectual property laws. Unless stated otherwise, you may access and download the materials located on this website only for personal or agreed upon commercial use. The website may contain several trademarks which are owned by Lending People or used with the permission of the registered trademark owner. Before using any material on this website that is identified as being subject to copyright of a third party, you must obtain authorisation to use or reproduce the material from that third party.

Disclosure

Click here to go to our disclosure page and learn more about us, our licence, the type of advice we offer, fees, commissions, and other conflicts of interest.

Privacy

Click here to read our Privacy Statement. This brief statement will help you to understand what personal information we collect, how we use it, and who we share it with. If you want to see more information about our privacy policy, click here.


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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.