If you've recently moved to New Zealand, or if you've just turned 18 and want to borrow money, you'll face the challenge of having no credit record. It's best to find a finance company that will lend a small amount of money, and your best bet is to pay in advance. Settle the amount owed early, giving you an excellent start to your credit record. You can also put utility bills in your name so you build a credit record. Again, just make sure you're paying your bills early, or in advance. You may also find that mortgage brokers and private lenders treat you differently. Sometimes it's easier to buy a house with little to no credit, than it is to buy an iPhone from a retailer. Specialist lenders will look at the logic of the deal and your financial backing, whereas some personal loan companies will decline you based on you not ticking the appropriate boxes.