Welcome to our Loans area. These days it can be extremely difficult to find a loan which is why we list a variety of different loans to suit you and your financial circumstances. Even if your credit history is less than perfect there are still loans available to you. Compare different prices and read the terms and conditions to make sure you understand the service you are looking for.


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Today you can find a loan for almost any purpose. But which one is right for your personal requirements? Whether you are looking for money to pay for a new car or to purchase a house, finding the right lender can prove difficult. Read our loans section in the Info Library or browse the options in the comparisons area by clicking on the links below.

Payday Loans

Payday loans are probably the most straightforward loans to apply for. Most lenders offer fast online application process with a decision in minutes (even seconds in some cases). They rarely check your financial history and even if they do, this may not stop you from receiving the loan you want.

Even if you have a bad credit rating or outstanding debt you can usually get a payday loan. The premise of the loan is simple: receive cash quickly to tide you over until your next pay day. This means the loan is usually designed to be repaid within 2 weeks to 31 days a short-term loan for emergency needs.

There are lots of features to think about when you apply for a payday loan. Ask yourself some basic questions: what is the application process? How much can I borrow? What is the interest rate? Will I qualify? Most payday loans are between $100 and $1000.

Bad Credit Loans

Bad credit loans are loans which are designed for people with a bad credit rating. In other words, if you have a bad credit rating, are an 'undesirable candidate' for a regular personal loan (for being a student, self employed or out of a job) or for any other reason, you may still qualify for a bad credit loan.

Even when banks are becoming stricter with their loans and making it harder to apply, there are still plenty of independent lenders who can offer money to all types of borrowers. Many bad credit loans are easiest to find via a bad credit loan broker. They take your basic information and search the loan market on your behalf, to find you the best options. If you prefer going direct to the lender, there are direct options available. Compare the loans on Which Way To Pay New Zealand to see what options are available to you and dont give up hope if you have been refused before!

Vehicle Loans

Looking for a way to finance your car? You might find that a specialist vehicle loans is more favourable than the financing your car dealer has offered. This is because you might receive more flexible terms, better rates and the chance to take ownership of your car sooner.

Buying a new or used car or motorcycle can be a very exciting time but getting the financing right is important. Before you accept the first offer that comes your way, or go for the dealers option make sure you go away and compare financing providers. You may find that it is overall much cheaper to use a vehicle loan from a specialist lender. Find out how much you will pay each month and whether or not there are special terms in the contract, such as ensuring your car/other vehicle is covered by insurance before you apply.

Consolidation Loans

Are you struggling with debt? Unable to cope with the weight on your shoulders? There are ways of dealing with debts and bringing them down to a more manageable situation. But how do you know which option is suitable for you? There are plenty of debt advice services in most communities in New Zealand, but taking that first step and asking for help can be extremely difficult. Some people are too shy to speak to a consultant face to face, so it is comforting to know that there are services which can help you completely anonymously. There are many ways of coping with multiple debts, and a consolidation loan is one of these.

Consolidation loans gathers all your existing debts into one, and leaves you with a lower monthly payment to deal with. Using a debt consolidation loan could help you to get your finances back in order, so have a look at the providers on Which Way To Pay New Zealand today. You may find a useful solution and a service that can deal with matters such as negotiations with creditors on your behalf.

Personal Loans

Personal loans can come in a few different forms. There are both secured loans and unsecured personal loans available. Unsecured loans are in general more popular because they do not carry the added risk of losing an asset such as your home which is what you use to secure the loan. However, unsecured loans are often more expensive that personal loans because there is not the same level of security for the lender. Most unsecured loans are borrowed from banks but you will need a good credit rating to do this.

If you do not have a good credit history there are personal loans for people with bad credit available. It is likely that the interest on bad credit personal loans will be high and it is worth shopping around in order to find a deal which best suits your financial circumstances. Before you take out a personal loan it is very important to read the terms and conditions carefully to ensure that you full understand the process and the costs involved.

Secured Loans

A secured loan is a loan that requires you to use a personal asset such as a house, vehicle or land to secure the loan. By using a significant asset you can often secure larger loan amounts, but you do carry the risk that if you are unable to repay the loan, your asset could be seized by the lender as payment. Most people use a mortgage loan as a secured loan but there are other types of secured loans, including those that can be used for any purpose.

Whether you need to make home improvements, want the holiday of a lifetime or any other cash requirement, there are secured loans that could help you. Have a look at the secured loans listed on Which Way To Pay New Zealand to see if there is an option suitable for you.

Unsecured Loans

Unsecured loans are personal loans, which can be used for any purpose such as buying a car, paying for a holiday or wedding, or for emergency needs. It offers a slightly less risky way to borrow than a personal loan, because the borrower is not required to provide a large asset (such as their home) as collateral.

In most cases, unsecured personal loans are given out according to your personal credit rating or financial background. This means you are likely to undergo a credit check when you apply for the loan and based on the results you may or may not receive the loan. In some cases, the interest rate and terms on the loan will be set according to your credit score.

It is wise to compare as many features as possible when looking for a unsecured loan. How much can you borrow? How much will you pay back each month? What are the penalties or risks if you run into difficulty paying back the loan?


Please note that Which Way To Pay New Zealand ( is not authorized to give personal financial advice under New Zealands financial services regulations, including the Financial Advisers Act (Securities Commission New Zealand).

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