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What types of debt should be avoided?
Getting into debt or borrowing money at certain stages of our lives can be unavoidable. As a young adult, you might need to borrow…
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Resources and Education – Insights and Tips – Nectar Money
Keen to better manage your personal finances or understand how personal loans work? We explain how to make better financial decisions, regardless of your personal situation.
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Should You Use a Personal Loan to Pay a Large Insurance Excess? Questions for Self-Employed Kiwis
Quick answer A personal loan can make sense for a large insurance excess when paying the excess upfront would disrupt your household or business…
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Medical or Dental Bills in NZ: What to Check Before Choosing a Personal Loan
Quick answer Before choosing a personal loan for medical or dental treatment, compare the total amount repaid, not just the weekly or fortnightly payment.…
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Car Repair Financing in New Zealand: Choosing the Safest Way to Get Back on the Road
Quick answer Car repair financing can help spread the cost of an essential repair when paying the full bill would disrupt your budget. For…
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Car Finance With a Balloon Payment: Lower Repayments, Bigger Decision
Quick answer Car finance with a balloon payment can reduce your regular repayment by leaving a larger lump sum to pay at the end…
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Car Repair Loan or Wait? A Practical Guide for New Zealand Drivers
Quick answer A car repair loan may help spread the cost of essential repairs, but it is not automatically the best choice. First separate…
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Balloon Payment Car Loans in NZ: Lower Repayments, Bigger Decisions
Quick answer A balloon payment car loan is a vehicle loan where you make regular repayments during the loan term, then pay a larger…
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Declined for a Loan? How to Decide When to Apply Again in NZ
A loan decline can leave you wondering whether to try again straight away or wait. The answer depends less on the calendar and more…
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Missed One Repayment? Soft Checks, Hard Enquiries and Your NZ Credit File
Quick answer A soft check is generally used to help you understand possible borrowing options or pricing without being treated like a full application…
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Debt consolidation in NZ: when it saves money—and when it only stretches the debt
Quick answer Debt consolidation is usually worth considering when it reduces the cost of your existing debts, gives you a repayment term you can…
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