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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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Used Hybrid Finance in NZ: Compare the Whole Cost, Not Just the Weekly Repayment
Quick answer For most NZ borrowers, the better finance option is the one that keeps both the weekly repayment and the total cost manageable…
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Used Hybrid Finance in NZ: Dealer Finance, Refinancing or a Personal Loan?
Buying a used hybrid from a dealer can make practical sense in New Zealand. It may suit a daily commute, school and work travel,…
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High weekly car repayments? When a personal loan refinance may make sense in NZ
If your car loan is taking a large bite out of each week, refinancing with a personal loan can look attractive. A lower weekly…
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Soft Check or Hard Enquiry? What to Know Before Applying Again in New Zealand
If a loan application has been declined, the next decision can feel bigger than it should: should you compare another option, or could another…
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Should You Consolidate Debt Before or During a Move? A Practical NZ Guide
Moving house can put pressure on an already busy household budget. There may be removal costs, bond or settlement expenses, new utility connections and…
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Buying an EV in NZ? Compare the finance around your charging reality
Quick answer If charging access is uncertain, do not choose an EV finance option by weekly repayment alone. First work out whether the car…
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When Is Debt Consolidation Worth It in New Zealand?
Quick answer Debt consolidation may be worth considering when it replaces several debts with one affordable repayment, a clear repayment term and a lower…
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Repair or replace? When a personal loan may make sense for your car in New Zealand
Quick answer A personal loan may make sense for major car repairs when the vehicle is reliable overall, the repair has a clear cost…
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How to Compare Ute Finance Options for Work in New Zealand
Buying a ute for work is not only a choice between a weekly repayment and a purchase price. For many New Zealand borrowers, it…
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