Requirements As a responsible lender we need to verify a few things to make sure we can match the right lending product to your needs and help you achieve your goals.

Identity You need to be over 18 years old to make an application with us. To verify who you are, you need to provide us with 2 forms of current legal identification (at least one of these being photo identification) and a recent valid photograph of yourself.

Address We can only lend to you if you are a citizen or permanent resident of New Zealand. We require recent proof of your current address.
Financial situation To ensure a loan from us is the best option for you, we need to see a copy of your bank transactions for the last 90 days.
Credit History Upon application we do ask you to consider and agree to our privacy waiver terms which enables us (among other things) to conduct a credit check on you. 

Security All our lending products are secured either household chattels or a motor vehicle (except for loans under $500 in some circumstances). Either a security declaration is completed, or a site inspection is done to record identifying details with this description being noted on the loan agreement.