Our Responsible Lending Guidelines
As lenders of short-term and fast cash loans, we have a duty to follow guidelines to best help you. We take lending seriously – so we follow a set of responsible-lending guidelines that ensure we can serve you properly.
As a responsible lender, we follow procedures and policies that ensure our loans are practical and affordable. This means safeguarding the ability of each borrower to pay back the loan they take from us, including appropriate interest and fees. Superloans is committed to responsible lending. That’s why we lend to people who can demonstrate that they can afford to repay their loans without creating a financial burden.
Part of lending responsibly is providing free budgeting help, so you can stay on top of your financial matters. Balancing income and expenses can be challenging, and sometimes people need a little help sorting their budget.
Responsible lending is about helping people on their journey toward financial sustainability. Our staff have a tremendous amount of knowledge and experience in helping people understand their budgets. Please talk to our team about their best budgeting tips – we enjoy helping our clients through their issues, and getting them to a position of financial stability!
Additionally, there are several non-profit organisations that can help you with budgeting advice. They can work with you to help you understand your finances and get control over your expenses. We suggest looking at the information on the Citizens Advice Bureau website to start.
At Superloans, we know that life isn’t always simple – sometimes things happen that are out of your control, which can then impact your ability to make repayments. As a follower of responsible NZ lending guidelines, we are able to make allowances in situations of unforeseen hardship so that we can help you through it.
Personal hardship can take many forms. For example, you may suffer hardship when your job or income status changes. You may get injured or suffer an illness, or experience the end of a relationship which affects your financial situation. Often, these are out of your control and can’t be predicted.
The sooner you contact us and apply for hardship assistance, the greater help we can be. If you think you won’t be able to make your regular repayment, we’ll work with you to get the best solution.
There are several ways we can help you if your application is approved. We can:
The earlier you contact us, the more options we have to help.
There are some circumstances where your Hardship application may not be approved.
If you have:
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