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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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Car finance in NZ: should you refinance, use dealer finance or take a personal loan?
Car finance in NZ: should you refinance, use dealer finance or take a personal loan? When a family car needs replacing, the most visible…
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Buying an EV in New Zealand? Compare the loan with the charging reality
Quick answer If your EV charging access is uncertain, compare finance options against the car’s total cost and practical usefulness, not just the lowest…
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Debt consolidation after parental leave: when simplifying repayments makes sense
Returning to paid work after parental leave can make household budgeting feel unfamiliar. Income may be changing, childcare costs may have arrived, and several…
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Repair or Replace? How to Compare Car Finance Options in New Zealand
Quick answer If your car is structurally sound, has a realistic repair path and still fits your family’s needs, financing a major repair may…
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When Is Debt Consolidation Worth It in NZ? Compare the Monthly Commitment and Total Cost
Quick answer Debt consolidation may be worth considering when it replaces several expensive or difficult-to-manage debts with one repayment that is affordable, easier to…
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Does an Overdraft Affect Your Credit Score in New Zealand?
A question many New Zealand borrowers ask is: what will an overdraft actually change when I apply for credit? The short answer is that…
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Debt consolidation in NZ: when refinancing really improves your position
Quick answer Debt consolidation is worth considering when it makes your debt simpler and improves the overall cost or gives you a realistic, sustainable…
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When the Lowest Car Repayment Costs More in the Long Run
Quick answer The lowest weekly repayment is not always the best choice for a regional commuting vehicle. A lower payment can come from borrowing…
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Car Breakdown in New Zealand: Should You Refinance, Use Dealer Finance or Take a Personal Loan?
Quick answer If your car has broken down and you need a replacement, the best option is usually the one that keeps the full…
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