Help & information
FAQS
Loans
LOAN TYPES & FEATURES
What types of loans do you offer?
We provide a wide range of loans including:• Personal Loans• Business Loans• Holiday Loans• Debt Consolidation Loans
• Home Loan
• Re-finance
• Investment Rental Home Loan
• Construction Loan
What’s the minimum and maximum amount I can borrow?
Loan amounts typically start from $1,000 and can go up to $100,000+, depending on your income, credit history, and the type of loan.
What’s the starting interest rate?
Our loans start from just 8.49% p.a. with 0% deposit required.
How quickly can I get a loan approved?
Our application process is simple and fast — many loans are approved within 24 to 48 hours.
What is a debt consolidation loan?
It’s a way to combine multiple debts (like credit cards, store cards, or payday loans) into one easy-to-manage loan with a single repayment.
ELIGIBILITY & APPLICATION
Who can apply for a loan?
You must be:• At least 18 years old• A New Zealand citizen or permanent resident• Earning a stable income
What interest rate will I pay?
Interest rates vary depending on the lender, your credit score, and loan type. For personal loans, rates generally start from around 8.49% p.a. and may go higher for unsecured loans or poor credit.
Do I need security or collateral for a loan?
Some loans are secured (e.g. against a car or house), which usually offer lower interest rates. Others are unsecured, with no asset required but may have higher interest.
Do I need a deposit or security?
No deposit is needed. We offer unsecured loans – no assets required as collateral.
REPAYMENTS & MANAGEMENT
How do I repay the loan?
Repayments are made weekly, fortnightly, or monthly via direct debit – whatever works best for your budget.
How long can I take to repay the loan?
Loan terms are flexible – from 6 months up to 7 years, depending on the amount and your financial goals.
Life Insurance
What is life insurance?
Life insurance is a policy that pays a lump sum of money to your chosen beneficiary (such as your partner, children, or estate) if you pass away or are diagnosed with a terminal illness. It’s designed to provide financial support to your loved ones when they need it most.
What types of insurance should I consider?
Common types include:Life InsuranceTrauma/Critical Illness InsuranceIncome ProtectionTotal & Permanent Disability (TPD)Health Insurance
How much life insurance cover do I need?
The amount depends on your personal situation. You may consider:Your current incomeOutstanding debts (e.g. mortgage, personal loans)Number and age of dependentsFuture expenses (e.g. university fees, daily living costs)Call us for personalised help!
What is trauma insurance and how is it different?
Trauma insurance pays a lump sum if you're diagnosed with a serious illness like cancer, heart attack, or stroke. It’s designed to cover medical costs, recovery time, or lost income.
What’s the difference between stepped and level premiums?
Stepped premiums start lower but increase each year as you age.Level premiums stay the same (more or less) as you age, but they cost more upfront.Stepped is often more affordable short-term. Level is better for long-term planning.
Is the payout from life insurance taxed?
In most cases, no. Life insurance payouts are usually tax-free in New Zealand. However, it's best to seek independent tax or legal advice for your personal situation.
Do I need a medical exam to get life insurance?
Not always. Some applications only require a health questionnaire. However, depending on your age, health, or the amount of cover, a medical exam or blood test may be required.
When will I receive my refund?
You will receive your refund within 14 working days after we have received your return. We will refund your money using the same payment method you originally paid the order with.
What’s not covered by life insurance?
Most policies don’t cover:Suicide within the first 13 monthsFraudulent claimsNon-disclosure of medical conditionsIt’s important to read the policy document and disclose all relevant information when applying.
General Insurance
What is general insurance?
General insurance covers assets and liabilities other than life. Common types include car, home, contents, travel, business, and landlord insurance. It protects you financially against unexpected events like accidents, theft, natural disasters, or damage.
What types of general insurance are most common in New Zealand?
Car Insurance (Comprehensive, Third Party, Fire & Theft)Home Insurance (for damage to your property)Contents Insurance (for belongings inside your home)Travel InsuranceBusiness and Commercial InsuranceLandlord Insurance
How are premiums calculated?
Premiums depend on:The type and level of coverYour claims historyThe value of the item insuredLocation (e.g. earthquake or flood risk)Risk factors (e.g. security, usage, age of home or vehicle)
What is an excess?
An excess is the amount you must pay out of pocket when making a claim. For example, if your excess is $500 and your claim is $2,000, the insurer pays $1,500. A higher excess can reduce your premium.
Are natural disasters like earthquakes or floods covered?
Most home insurance in NZ includes Earthquake Commission (EQC) cover. Flood, storm, and landslide coverage is usually included, but always check your policy wording for exclusions or limits.