The Instant Finance ultimate guide to personal loans
We know unexpected situations happen every day, so when you need cash it’s our job to make getting a loan easy as possible for everyday Kiwis like you. Whatever the situation you find yourself in, we’re here to help. Whether you need some extra cash for personal reasons, an emergency, financing a car or even a debt consolidation loan, we’ve got you covered.
Now you know a bit about us, let’s take a look at what we need to know from you.
Firstly, are you eligible for a personal loan?
We don’t ask for a lot, promise! If you meet these requirements, we can get the ball rolling with your personal loan application.
- Be over 18. Taking out a loan is a big commitment. We need to know you’re able to manage the responsibility, so we only accept loan applications from those 18 years and above. If you’re under 18 and need our help, we can talk to a parent or guardian about what we can do to assist you in the meantime.
- Live in New Zealand. To be eligible for a loan application with us, you need to be currently residing in NZ as a resident or citizen and be able to show us proof of address. Did you know, Work Visa holders may qualify to borrow for a period that ends before their work visa expires? How cool!
- Have a valid photo I.D. We accept all forms of I.D. from New Zealand residents. Whether that be the Kiwi access card, 18+ card or an NZ driver’s license. For non-NZ residents, we need to sight your passport before we can approve your loan.
- Be able to afford the repayments. Our commitment to you is that we won’t let you get in over your head! So our team will work with you to budget and sort your finances to ensure you have the most effective repayment schedule.