When it comes to financial advice, there are a few basic rules that are worth following. Pay off your debt on time. Don’t spend more than you can afford to repay. And set aside some savings for an emergency fund. But there’s another piece of...
When it comes to borrowing money, a good credit score can mean access to a wider range of financial options, better deals and premium interest rates. A bad credit score on the other hand can seriously limit how much you can borrow and what interest...
Sometimes things happen and you need cash in a hurry. Like urgent repairs to your car when it breaks down. An emergency medical treatment. Or a home renovation project that simply can’t wait. Personal loans are ideal for any of these situations. They can be...
Christmas should be a magical time of year filled with love and laughter, family and friends, good food and giving. But for many, it’s a time of stress and anxiety. The excess, expectations and exchanges can leave you feeling drained and overwhelmed. Add to that...
Maintaining a good credit score is vital if you want to access affordable credit, as lenders use your credit score to decide whether or not to lend to you. The higher your credit score, the better. New credit inquiries – especially a lot of them...
Is a bad credit score stopping you from securing finance? The fact is, it can be challenging getting finance with a bad credit score; many lenders are hesitant to lend to those with a bad credit history, or they may charge higher interest rates to...
When it comes to finance and loans, having a good credit score is vital. Every time you apply for credit – be it anything from a phone or electricity account to a personal loan, car finance or mortgage – lenders use your credit score to...
Sometimes life doesn’t work out quite the way you planned. When things go wrong, surprise expenses can be stressful if you’re not financially prepared to deal with them. In times like this, you may need a little extra cash to help cover those unexpected costs. Whether...
With Christmas shopping to get through, parties and events to attend, and holidays to plan, it’s highly likely your credit score isn’t at the top of your list of things to think about during the holiday season. Unfortunately, getting caught up in the frenzy of the...
Maintaining a good credit score is more important than you think. Under New Zealand’s Comprehensive Credit Reporting system, both positive and negative data is collected by credit bureaus in your credit file and can be used by credit providers when making a credit decision. If you...
