How it Works


	... COVID-19 Update ...


	Check with your Retailer if they will Verify your ID in store by using the Manual ID Verification process. Alternatively you may use Electronic ID Verification. Our application forms will ask if you wish to use this service.

STEP 1 - Your Application

Click here - Your Application

Your Application
Upon approval you and your retailer will be emailed the paperwork for your purchase.

Click on the above STEP 2 - The Paperwork tab for easy to follow step by step information.
Check your Spam Folder in your email system if you have not received it .

If your application cannot be approved with the information provided you will be emailed a Conditions Notice.
It will have a PDF file attached with what will be required to approve your application.

Conditions Notices are listed and detailed below.

Reply to the email with what has been requested so we may process your application.
If you would like to speak with us regarding your Conditions Notice email, call 0800 74 11 11 - Ext 1.

Please Note:
We cannot use computer Screen Shots, Encrypted WinZip / WinRar files.
Or files from Microsoft Word or Excel as they can be edited.

Click here - Conditions Notice - Bank Statement

Bank Statement Required
A part of responsible lending requires that your new loan will not over commit you financially.

Your bank statement will be requested for the following reasons.

Income and expenses verification.
Current debit obligations.
To assess affordability.

Supply your current bank statement in one of the following ways.

Download a PDF file from your banks website.
Take clear and readable photo/s or scan/s of your posted statement.
If we have included a 256-bit encryption secure service link, you can submit via illion BankStatements.
Click on the link in your Conditions email for a safe and secure online way to send in your bank statement.

Your bank statement will need to be current, show your income and payments for any existing loans.
Click reply on your Conditions email, attach the pdf or image file/s and click send.

Click here - Conditions Notice - Proof of Address

Proof of Address Required
The address where you live will need to be verified for lending requirements.

If the lending systems cannot verify your name to your address we will require one of the following documents.

Utilities Bill
Bank Statement
Government Department issued letter

One of the above needs to be current and issued within the last three months. It will need to show your name
and address on the document. We cannot use computer screen shots or files that can be edited.

Take a photo with your smart phone of the printed A4 page or you may use a PDF file if this document
was emailed to you.

Click here - Conditions Notice - Deposit

Deposit Required
Why a deposit may be required to meet lending criteria to finance your new purchase.

To balance your current and new debt with your income.
You have little to no credit history and or employment history.
For large purchases of high risk products, we may require a deposit to reduce the lend exposure.

Using a deposit reduces your amount financed, repayments and interest payable.
Your deposit is payable to your retailer when your are ready and is best to contact them to arrange.

We only need confirmation from you via email or phone that you are happy to pay the deposit required
so your application process can proceed.

Click here - Conditions Notice - Co-Signer


	Co-Signer Required Why a Co-Signer may be required to meet lending criteria to finance your new purchase. You have little or no previous credit history with banks or other lenders. You are a new resident to New Zealand with no previous credit history with other lenders. You have made a business application that requires your business partner to apply. This person will need to be employed and happy to Co-Sign with you. They will generally live in the same city as you and can submit their application below.



		E-Mail the above link to the person who will help you and include your application number in the form.

Click here - Declined Notice


	Declined Notice In general your application may be declined due to your credit or payment history. Your credit and payment history will be checked with Centrix.


	You can use the following Centrix link to obtain a copy of your credit file.


	If you would like to speak with us regarding your Declined Notice call 0800 74 11 11 - Ext 2.

STEP 2 - The Paperwork

Click here - Your Approval Email

Your Approval Email
You will either complete your purchase at the store, or will require click and collect or delivered to your address.
Both options are detailed in the tabs below with the step by step process.

Paperwork and Purchase to be completed at the store

The contract for your purchase is valid for a month from the statement date on your contract.
Call your store to confirm they have a copy of your approval email and arrange a time to complete your purchase.
Take with you the two valid IDs you selected in your application.
Any special conditions to be completed, being listed in your paperwork guide and contract.
A sales person will take electronic copies of your paperwork and will take any required deposit.
The store will send to us the invoice and your completed paperwork for payment.
Providing your equipment is in stock you will be able to take your purchase.**

If you do not have access to a printer.

Sign electronically with programs like MS Office for Android or Apple on a cell phone or tablet that can receive your emails. To see how this can be done.

Purchase to be click and collected or delivered

The contract for your purchase is valid for a month from the statement date on your contract.
Read and follow the instruction provided in the Paperwork Guide page of your contract attachment.
If you have selected manual ID Verification, you may use any one of the available Trusted Witness's
to verify your ID that are listed in the ID form, being the last attachment in your approval email.
If required, call a Trusted Witness to make an appointment to have your ID Verified manually.
Email your completed paperwork to contracts@creditcapable.co.nz.
If our email server returns your email, check that your email attachments do not exceed 20MB in total.
An email will be sent confirming paperwork completion. Any required deposit is payable to your retailer.
Payment Notification will be sent on your purchase dispatch date after we have received your retailers Invoice.
On the purchase dispatch date your retailer will allow collection from the store or will courier your order to you.**

If you do not have access to a printer.

Sign electronically with programs like MS Office for Android or Apple on a cell phone or tablet that can receive your emails. To see how this can be done.

Click here - Repayment Waiver


	Repayment Waiver If a Repayment Waiver Income Protection fee is included on your contract you will find it has been added at your request via our application forms. What it covers :


	Total Disablement Redundancy


	Serious Illness Death

Repayment Waiver will waive the repayments due during this time, and is charged only for the period
your account is running. You will receive a credit to your account for any unused portion of cover,
if you decide to settle your contract early.

The last page of your contract will explain in detail how it works.

If you wish to have it removed from your contract please call
and speak with a Lending Officer on 0800 74 11 11 - Ext 2.

Click here - Price, Deposit and or Retailer Change Request

Price, Deposit and or Retailer Change Request
You do not need to cancel your application and re apply if you have:

Decided to change the retailer you will be purchasing from.
Decided to upgrade your purchase and or deposit.
Decided to downgrade your purchase.
You can use the contract we have sent you as we will adjust your account to reflect your reduced Invoice amount.

Fill in the details below to upgrade the purchase.


	First and Surname

	Contract Number

	Retailer Name

	Price upgrade

	Deposit upgrade


	(Leave blank if you are not changing)


	(Leave blank if you are not changing)

NB : We will contact you via phone and or email to follow up on the Change Request.

STEP 3 - Setup your Payments

Your Welcome Letter
The repayments for your purchase are not due to be set-up until you have received your welcome letter.

The welcome letter will generally take 5 to 10 working days to be sent to you via email from when we send
payment notification to the dealer for your purchase.

It will normally be sent to the email address supplied on your application.
If you have not received your welcome letter call accounts on 09 410 5554 - Ext 2.


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