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.

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.

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

Your bank statement may be requested for the following reasons.

• You have a limited credit history and income.
• You have existing loans where your debt to income ratio needs to be assessed.
• Your loan is for a large purchase that will require assessment for the sustained affordability of your payments.

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.

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.

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.

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.

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

Your Approval Email
You will be either picking up your purchase from the store, or you will require it to be delivered.
Both options are detailed in the tabs below with the step by step process.

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.

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

Repayment Waiver
If we have included a Repayment Waiver Fee on your contract you will find it is generally included by our lending officers to protect the reliability of your repayments.  It may be removed at your request.

What it covers :

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

Repayment Waiver is charged only during the time your contract is running and will generally apply 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.