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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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Looking for a 0% home improvement loan? Compare the full cost first
Quick answer A search for a “0 home improvement loan” usually means you are looking for an interest-free or zero-interest way to pay for…
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Loans With No Early Repayment Fee: How to Choose the Right Option for an Essential Family Repair
Quick answer A loan with no early repayment fee can be a better fit when you expect to repay early, make extra payments, or…
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Should You Use a Loan to Pay Off a High-Interest Credit Card?
Quick answer A personal loan can be worth considering when it replaces expensive credit card debt with a clear repayment plan and a lower…
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Loan Secured Against Your House: Is It the Right Choice for a Variable-Income Household?
Quick answer A loan secured against your house uses your home as security. This can sometimes provide access to a larger amount or a…
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Easy Unsecured Personal Loans: The Weekly-Cashflow Test for NZ Borrowers
Quick answer An unsecured personal loan can be straightforward to apply for, but “easy” should mean easy to understand and manage—not easy to obtain…
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Should You Secure a Personal Loan Against Your Car? A New Zealand Borrower’s Guide
Quick answer A loan secured by your car can sometimes offer a different rate or borrowing structure from an unsecured personal loan, but it…
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Does an Overdraft Affect Your Credit Score in New Zealand?
The question to ask before you apply What will my credit score change in practice if I already have an overdraft and several regular…
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Unsecured Personal Loans for Self-Employed Kiwis: Compare the Weekly Cost, Not Just the Rate
Quick answer An unsecured personal loan can suit a self-employed New Zealander who needs to refinance or consolidate personal debt without offering an asset…
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Soft Check Personal Loans: What NZ Borrowers Should Check Before Applying
Quick answer A soft check personal loan enquiry can help you explore a personalised quote without immediately creating the same type of credit enquiry…
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