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Posted in Guides and Insights

When to use your financial tools (and when not to)

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Posted in Vehicle Loans

Know your options when buying your next vehicle

4 ways a Personal Loan could make your life better

Is a Personal Loan right for me?

Learn the pro's and cons of getting a personal loan.

Personal Loans

Posted in Guides and Insights

When to use your financial tools (and when not to)

Cash, EFTPOS, credit cards, debit cards, personal loans…you have a swath of financial tools at your fingertips, but it’s important to know the best situations to use them in and when not to.

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7 minutes

Posted in Guides and Insights

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Terminology

Licence to occupy

The right to live in the home and use the land without having ownership of either. This is a model often used by retirement villages.

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Getting Underway with a Vehicle Loan

Learn about pre-approvals and how we make vehicle finance simple.

All Vehicle Loans

Posted in Vehicle Loans

Tips and traps to know before financing your next vehicle and car loans in New Zealand.

A loan is a commitment that shouldn’t be taken lightly. Before you make any decisions, have a read of these caveats that are commonly overlooked.

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2 Minutes

Posted in Vehicle Loans

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Terminology

Guarantor

A person who takes responsibility to pay all or a portion of someone else’s loan in the event that the borrower can’t make their repayments. Often a relative will act as a guarantor for a first home buyer who hasn’t been able to save the full 20% for a deposit.

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¹All approvals are subject to responsible lending inquiries. If you sign your loan contracts before 3:00 pm on a weekday, you will receive the funds on the same day. While bank processing times differ, funds usually show up in your account by early evening.

²Annual Interest Rate (AIR) and Annual Percentage Rate (APR): Unsecured interest rates range from 13.90% p.a. to 23.90% p.a.

³Minimum and Maximum Repayment Terms: Repayment terms range from 1 year to 5 years.

⁴Fees: Where Lending People is the creditor, we charge a $174 establishment fee. Lending People does not charge a monthly fee or early repayment fee. Where another provider is the creditor, provider-specific establishment fees, monthly fees, and early repayment fees may apply.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & Conditions.

Representative Example of the Total Cost of a Loan: If you borrow $10,000 over a repayment term of 36 months at an AIR of 14.95% p.a., your total repayments will be $12,631.60 (made up of $10,000 principal, a $174 establishment fee, and interest charges of $2,457.60). This example is based on amortised scheduled weekly repayments with a fixed interest rate for the term of the loan.

© The Lending People Limited Trading as Lending People (FSP240365) holds a license issued by the Financial Markets Authority (FMA) to provide financial advice services. Click here to view our Disclosure Statement.