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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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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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One Hard Enquiry Isn’t the Whole Story: A Calm NZ Guide Before You Apply
Quick answer A hard enquiry after a full loan application can appear on your credit file and may be considered by other lenders. That…
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Should You Use a Personal Loan for Funeral or Tangihanga Costs in NZ?
Quick answer A personal loan can be a practical way to spread funeral or tangihanga costs when the expense is unavoidable, the repayments fit…
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Debt Consolidation After a Tax Bill: What NZ Borrowers Should Check First
Quick answer Debt consolidation can help after an unexpected tax bill when it replaces several expensive or difficult-to-manage debts with one affordable repayment, a…
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Lower Car Repayments or Lower Total Cost? A NZ Borrower’s Guide
Buying a car often starts with one practical question: can I manage the weekly repayment? The more important question is whether the finance still…
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