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

Borrowing Basics

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 [...]

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

Borrowing Basics

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, [...]

Borrowing Basics

Loans for Beneficiaries on WINZ: Advances vs Private Lenders

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 [...]

Borrowing Basics

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

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 [...]