You must be able to offer something as collateral or security for all loans. We only offer secured loans. We will consider most things; household items such as whiteware and electronic goods ( TVs and stereos), vehicles, property or land. If you don’t have any security, we are happy for a friend or family member to act as your guarantor to provide security on your behalf.
You need to be over 21 (unless you have a suitable guarantor who is over 21).
You should have a reasonable credit history.
You must be able to make the payments on your loan.
You must live in NZ and be a NZ Resident or NZ Citizen (or have guarantors who are).