With the promise of interest-free periods and flexibility to spread payments over time, Buy Now, Pay Later (BNPL) is an increasingly popular payment method. As convenient as BNPL may seem however, it's important to understand the potential pitfalls and risks associated with this payment method....
Electric vehicles (EVs) are revolutionising the automotive industry, offering a cleaner and more sustainable alternative to traditional petrol and diesel-powered cars. In New Zealand, the popularity of EVs is on the rise, driven by environmental consciousness, government incentives, and the rising cost of fuel. If...
Marriage may be the joining of two people in love, but it can also bring financial ties that have a lasting impact. If you’re looking to secure personal loans, you may be wondering how your spouse’s bad credit and debt situation could influence your own...
Around the world and here in New Zealand, the cost of goods and services, such as fuel, groceries and utilities, has continued to rise, making it increasingly harder for families and individuals to manage living costs and juggle existing debt. But with careful planning and...
Credit defaults can have a major impact on your ability to access credit. Lenders view credit defaults as an indication that you’ve struggled to repay debt in the past. And they may decide not to approve future credit applications. While credit defaults cannot be removed...
It can be challenging getting a loan with a bad credit score. Those with bad credit are usually charged higher interest rates or get offered less favourable terms if they do secure a loan, making it harder to manage their debt. If you’re facing bad...
Having your car finance refused can put the brakes on your car ownership dreams. But there are steps you can take to rectify the problem. Whatever’s holding back your car finance application, from bad credit or affordability, to age of the borrower or the type...
Payday loans can be a tempting option when you’re struggling financially or you have bad credit. They’re easy to apply for and generally easy to get. But this type of loan is risky and usually comes with very high interest rates and strict, inflexible terms....
The countdown to the holiday season has begun. When it comes to preparing for the upcoming holiday season, a little bit of planning goes a long way. And being careful not to overspend helps avoid financial stress. Start the new year without any regrets of...
A bad credit score can impact your ability to secure future credit. There are a few reasons why you may have ended up with a bad credit score: failing to pay bills on time; applying for credit too often; and even a default on someone...
