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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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Buying a Car Privately in New Zealand: When Does a Personal Loan Make Sense?
Quick answer A personal loan can make sense when you are buying a vehicle privately and want a straightforward way to fund the purchase…
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Credit Card Score Range: What Your Score Changes in Practice in New Zealand
Quick answer A credit card score range can give a lender an indication of how you have managed credit, but it does not decide…
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Understanding Hard Enquiries on Your NZ Credit Report
Quick answerA hard enquiry will typically be recorded when a lender formally accesses your credit file as part of a complete application—not when you…
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What Does a Poor Credit Score Change When You Apply for a Credit Card?
Quick answer A poor credit score can affect whether you qualify for a credit card, the credit limit offered, the interest rate or fees…
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Applying for a Credit Card in New Zealand: What Your Credit Score Changes in Practice
Quick answer Your credit score can influence how a lender views a credit card application, but it is not the only factor. In practice,…
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Family SUV finance in NZ: dealer finance, refinancing or a personal loan?
A family SUV can be a practical necessity in New Zealand, especially when school runs, work, sport and long-distance travel are difficult without a…
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Should You Raise Your Credit-Card Limit Before Applying for a Loan?
Quick answer Usually, raising your credit-card limit just before a loan application is not an obvious advantage. Even if you do not spend the…
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Should You Use a Personal Loan for Work-Related Course Fees in New Zealand?
Quick answer A personal loan can make sense for work-related study when the course has a clear, realistic connection to your income and the…
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Repair or Replace? A Practical NZ Guide to Choosing Car Finance
Quick answer Compare the full cost of keeping your current car with the full cost of buying and running a replacement—not just the repair…
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