Your Application
Upon approval we will send you and your retailer the paperwork for your purchase.  Click on the above STEP 2 Tab
for information on The Paperwork.  If you have not received our email check your Spam Folder in your email system.

If we cannot approve your application with the information provided we will send a Conditions Email that will
have a PDF file attached with what we will need to approve your application.

Conditions Notices are listed and detailed below.

Reply to this email with what we have requested so we may process your application.
If you would like to speak with us regarding your Conditions Email call 0800 74 11 11 - Ext 1.

Note: We cannot use computer Screen Shots, Encrypted WinZip / WinRar files, or files that can be edited.

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

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

• Bank Statement
• Utilities Bill
• Government Department issued letter

One of the above needs to be current and issued within the last three months.  It needs 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 we do not over commit you to debt.

We may ask for a bank statement 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 us to assess your sustained affordability for the payments.

Your Bank Statement needs to be recent and includes two months of transactions.  It will need to show your income and any payments for existing loans.  We cannot use 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.

Deposit Required
Why we may require a deposit to meet lending criteria for your application to finance your purchase.

• You are aged between 18 to 25 years with no or little credit and or employment history.
• For large purchases of high risk products we may require a deposit if you do not meet criteria.
• To balance your current and new debt with your income as a deposit reduces your amount financed.

We only need confirmation from you via email or phone that you are happy to pay the deposit and we will send out the paperwork for your purchase.  You can make your purchase when you have your deposit ready as it is payable to your dealer and is best to contact them to arrange.

Co-Signer Required
We may ask for another person to support your application for the following reasons.

• You are 18 to 29 years old and have 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 and we require your business partner to apply.

The person who will support your application can apply using the link 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 we may decline your application due to you not meeting the initial citizenship criteria listed on our application forms, or it may be due to your credit or payment history. 

We will check your credit and payment history 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 couriered if you are out of town.
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 is voluntary and can be generally 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.