It can be challenging getting personal loans as a visa holder in New Zealand. Whether it’s because you’re unfamiliar with New Zealand’s credit system, you have no credit history, you’re unsure of which lenders to apply with, or the validity of your visa is holding...
Most parents breathe a sigh of relief at the end of the school holidays and look forward to having children back at school. But back to school can be a stressful time for many parents in New Zealand. The overwhelming cost of school shoes, lunchtime...
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...
Debt consolidation can help simplify your finances and potentially improve your credit score and lending profile in the long run. If you’re currently paying off more than one loan, struggling to make your repayments on time, or feeling overwhelmed by the amount of credit card...
The festive season is fast approaching, and the spending at this time of year can be a real drain on the budget. From shopping for gifts, booking a holiday, to entertaining generously, it’s easy to overspend and end up with a mountain of debt to...
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...
Stuck in a trap of paying back debt? You’re not alone. If you’re concerned about how you’re going to clear expensive credit card debt or manage those buy now, pay later credit purchases, here is our step-by-step guide to getting your debt under control. Step 1:...
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....
When it comes to wedding planning, honeymoons and marriage, finance isn’t the most romantic topic. But it is an important one. Money is often one of the biggest stressors in a relationship, which is why a healthy conversation about finance is so important. The way...
