Here’s some of the most common things people ask and the simple answers we give them.
How much can I get?
This will depend if the loan is secured or unsecured. Unsecured amounts will vary from lender to lender and for secured amounts we can lend up to $1 million.
What will be my weekly or monthly repayments?
The finance company will look at your income, your existing outgoings and work out what the regular payments will be. Or, if you’ve got all this information handy, you can use our online calculators to work it out now.
When will I get the funds?
Sometimes the same day you apply. If not, probably the following day. Either way, it never takes long.
How many applications will I have to complete?
One. Because with NZ Credit & Loans we find the right lender for your circumstances. You can put your feet up while we do all the work. Simple.
What is debt consolidation?
Bringing all your debts (like hire purchases, credit cards, other loans) under one roof with one regular payment.
What if my credit rating is not so good?
Don’t worry about it, phone us and have a chat. But generally if you have bad credit you will need security or a guarantor.
Are there any other costs?
We may charge brokerage for services and receive commission for the loan, insurances and any other products. These will be disclosed on the Loan Agreement.