0800 855 888
Blog
Loan Secured by Car: Is It the Right Choice in New Zealand?
Quick answer A loan secured by car uses your vehicle as security for the borrowing. This may help you access a different rate or…
Read More
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.
Blog
Personal Loan or Credit Card? A Practical NZ Guide to Choosing the Right Fit
Quick answer For a planned, one-off purchase that you can repay through set instalments, a personal loan is usually the clearer option. It gives…
Read More
Blog
Secured Personal Loan With a Car: Is Using Your Vehicle as Security Worth It?
Quick answer A secured personal loan with a car uses your vehicle as security for the borrowing. The key decision is not simply whether…
Read More
Blog
Should You Use a Personal Loan to Pay Off a High-Interest Credit Card?
A high-interest credit card balance can make an essential household expense cost more than expected. If your family has used a card to repair…
Read More
Blog
Should You Use a Personal Loan to Pay Off a Credit Card?
Quick answer A personal loan can be useful for paying off a credit card when it gives you a clearer repayment plan, a manageable…
Read More
Blog
Car Finance With a Balloon Payment: Lower Repayments, Bigger Decisions
A car finance offer can look manageable when the weekly repayment is lower than expected. But if it includes a balloon payment, part of…
Read More
Personal Loans
Nectar Money Personal Loan Rates by Credit Profile
Nectar Money uses personalised, risk-based pricing. That means your interest rate is based on your credit profile, financial information, income, borrowing capacity, and responsible…
Read More
Financial Literacy and Borrowing
Top-Tier Credit Deserves Top-Tier Rates — Our Pricing Competes with the Banks
Why assume a non-bank always costs more? Most people think non-bank lenders charge higher rates. Sometimes that’s true, but it’s not the full picture.…
Read More
Blog
Rebuild Your Credit Score in NZ: A Smarter Way Forward
For many Kiwis, improving a credit score isn’t just about the numbers, it’s about regaining stability, confidence, and peace of mind. If you’re interested…
Read More