Who could get a loan?

Eligibility Criteria

To pre-qualify, you need to meet the below criteria:

  • You need to be at least 18 years old and a NZ citizen or resident currently living in New Zealand;
  • You need to have been permanently employed with the same employer for at least 3 months and you need to be earning at least $400 a week (after tax) excluding government benefits;
  • Your pay needs to be credited on a regular basis into your own NZ bank account that has been open for at least 3 months;
  • You are not currently Bankrupt, under a No Asset Procedure or Summary Instalment Order;
  • You have access to the Internet and a mobile phone.

Please note this is a guide only – in certain circumstances we may not be able to offer you a loan.

Are you a NZ Citizen or Resident over 18yrs old?

Are you earning over $400 per week (after tax) excluding government benefits?

Do you hold a current NZ Driver’s Licence?

You are not currently bankrupt, under a NAP or SIO?

Answer YES to all of those?

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