0800 949 668


Don't pay more than you have to!

We believe in doing things right.  That includes lending at fair interest rates.  Some flashy lenders spend lots of money on advertising but charge massive interest rates.  

WHY NOT vs "Competitor X"

YOU borrow $2,000 for 26 weeks.

Total repayments to Competitor X = $3844
Total repayments to Why Not = $2541

Save $1,303 with WHY NOT!!! *

* Calculated on October 2020
* Fixed interest rates range from 16.00% p.a to a maximum 29.50% p.a. with terms ranging from 3 months to 5 years. Sample Loan If you borrow $8,000 over a term of 12 months you will end up repaying $9,692.75 inclusive of all fees and interest.

Easy Loan

When the roof is leaking or the car is not running, the last thing you need is a complicated way to get the money you need. The problem is that payday is not for days and you need the cash now. Our loan services are designed to make the application and payment process as simple as possible. We have easy loans that will get you through the tough times and help you take care of emergencies until your paycheck arrives.

All you need to do to get the process started is to fill out this quick application and once received we will contact you and explain the rest of the process one step at a time.

Initial Application Criteria Checklist:

  • You must be a NZ Citizen / Permanent Resident / Working on a Work Visa and currently living in New Zealand.
  • You must be older than 18 years of age.
  • Proof of identity by means of a Drivers Licence or Passport is required
  • Security for your loan e.g. a vehicle or property



    We Make Communication Easy

    Whenever you borrow money, you will always have questions. We understand that and part of our easy loans process is to make the information you need as easily accessible as possible. We load up our website with a library of valuable information that you can use to determine what information you need to complete your application and how the process works.

    If you have any questions, then you can just email us or call us at 0800 949 668. For those who need to speak to someone in person, just visit one of our branch offices and our friendly lending staff will be ready to help.

    We Make Applying Easy

    Once you have all of the information required gathered together, then complete our online application. We even have a way for you to sign your application online and make the process even faster.

    If we need more information from you, then we act quickly to contact you and find out what we need to know. When we have everything we need, we can often process your application within an hour. We make applying easy to get the funds you need.

    We Make It Easy To Repay

    We work closely with you to make sure that we create a loan agreement that you can live with. If you ever have any questions about repaying your loan, we make it easy to get those questions answered. If you miss a payment, then just give your account manager a call and we will work out a plan with you to get you back on track.

    We make getting your money easy, and we also make it easy to pay the money back.

    We make it very easy to get the money you need, but we cannot help you until you take that first step and fill out our application or contact us with questions.