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AI-powered matching
Our platform analyses your application and identifies the finance options best suited to your situation - faster than traditional processes allow.
Built for New Zealand
We're a New Zealand company. We work with NZ lenders, and we serve NZ borrowers. Local ownership, local support, local focus.
Transparency & trust
No hidden fees or confusing jargon. We are upfront about how we work and how we're paid. No uncertainty, just clarity at every step.
Yes possibly, where missed payments are isolated or defaults are no longer active, and current income and affordability are sufficient. Each application is reviewed individually. If you have multiple active defaults, speaking with a free financial mentor at moneytalks.co.nz first may be more useful.
Family emergency loans may be used for unexpected expenses such as urgent travel, funeral costs, temporary accommodation, medical expenses, vehicle repairs, or other unforeseen family situations.
Secured loans up to $100,000. Unsecured personal loans generally up to $75,000. Terms from 1 to 7 years. The actual amount depends on income, expenses, existing commitments, and credit history.
Photo ID (driver's licence or passport), three months of bank statements for all active accounts, and proof of income (payslips, employment letter, or IR3 summary of earnings if self-employed). A Kiwi Access Card is not accepted as primary ID.
The application takes about 5 minutes. Once documents are received we review and submit to lenders as soon as possible. Funds are usually available within 24 hours of approval. Applications are not processed on Sundays or public holidays.