With the promise of interest-free periods and flexibility to spread payments over time, Buy Now, Pay Later (BNPL) is an increasingly popular payment method. As convenient as BNPL may seem however, it's important to understand the potential pitfalls and risks associated with this payment method....
Marriage may be the joining of two people in love, but it can also bring financial ties that have a lasting impact. If you’re looking to secure personal loans, you may be wondering how your spouse’s bad credit and debt situation could influence your own...
Around the world and here in New Zealand, the cost of goods and services, such as fuel, groceries and utilities, has continued to rise, making it increasingly harder for families and individuals to manage living costs and juggle existing debt. But with careful planning and...
It can be challenging getting personal loans as a visa holder in New Zealand. Whether it’s because you’re unfamiliar with New Zealand’s credit system, you have no credit history, you’re unsure of which lenders to apply with, or the validity of your visa is holding...
Credit defaults can have a major impact on your ability to access credit. Lenders view credit defaults as an indication that you’ve struggled to repay debt in the past. And they may decide not to approve future credit applications. While credit defaults cannot be removed...
Debt consolidation can help simplify your finances and potentially improve your credit score and lending profile in the long run. If you’re currently paying off more than one loan, struggling to make your repayments on time, or feeling overwhelmed by the amount of credit card...
The festive season is fast approaching, and the spending at this time of year can be a real drain on the budget. From shopping for gifts, booking a holiday, to entertaining generously, it’s easy to overspend and end up with a mountain of debt to...
It can be challenging getting a loan with a bad credit score. Those with bad credit are usually charged higher interest rates or get offered less favourable terms if they do secure a loan, making it harder to manage their debt. If you’re facing bad...
Stuck in a trap of paying back debt? You’re not alone. If you’re concerned about how you’re going to clear expensive credit card debt or manage those buy now, pay later credit purchases, here is our step-by-step guide to getting your debt under control. Step 1:...
The countdown to the holiday season has begun. When it comes to preparing for the upcoming holiday season, a little bit of planning goes a long way. And being careful not to overspend helps avoid financial stress. Start the new year without any regrets of...
