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The Truth About “No Credit Check Loans” in NZ: Scam or Reality?

Credit & Approval

February 19, 2026

If your credit score has taken a hit, an online ad promising a “No Credit Check Loan” with “Guaranteed Approval” might look like a lifesaver. But in New Zealand, it is almost certainly a massive [...]

how-to-remove-defaults-from-credit-report-nz

Paid but Still Penalized? How to Clear Defaults from Your Credit File in NZ

Credit & Approval

February 19, 2026

One of the most frustrating experiences for a Kiwi borrower is paying off an old debt, only to find out the “default” is still sitting on their credit report, blocking them from getting a mortgage [...]

Credit & Approval

Decoding Your Credit Score: The Big 3 Bureaus in NZ Explained

February 18, 2026

Did you know that in New Zealand, you don’t just have one credit score—you have three? And depending on which lender you apply to, the score they see might be completely different from the one [...]

Borrowing Basics

CCCFA Explained: Did Your Morning Coffee Kill Your Loan Application?

February 17, 2026

It sounds like a bad joke, but in New Zealand, it is a reality: buying too many takeaway coffees or having too many subscriptions can get your home loan or personal loan declined. This is [...]

Borrowing Basics

Peer-to-Peer Lending NZ: A Smarter Alternative to Banks?

February 17, 2026

Tired of the bank saying “no” but refusing to pay sky-high interest rates to a finance company? Peer-to-Peer (P2P) lending might be the middle ground you are looking for. In New Zealand, platforms like Harmoney, [...]

Loans for Beneficiaries on WINZ: Advances vs Private Lenders

Borrowing Basics

February 17, 2026

Getting a loan while on a WINZ benefit is challenging because most major banks view government benefits as insufficient income for servicing debt. However, you are not out of options. Beneficiaries in New Zealand typically [...]

Understanding the NZ Lending Landscape: Banks vs Non-Bank Lenders Explained

Borrowing Basics

February 17, 2026

The main difference between NZ banks and non-bank lenders (finance companies) lies in their risk appetite and approval criteria. While major banks (like ANZ, ASB, BNZ) offer lower interest rates but adhere to strict CCCFA [...]