Terms & Conditions

By viewing and using the pages of this website, you acknowledge that you have read and accepted these Terms of Use and Disclaimer.

Why Not Finance is a division of South Pacific Loans Ltd.

The services and products on this website are intended for use by New Zealand residents only who are aged eighteen (18) years of age and over, and are not aimed at or intended for use by residents of any other jurisdiction.

To enter into a loan agreement with South Pacific Loans Ltd you must be over eighteen (18) years of age. You must ensure that the details you provide to us on your application or at any other time are accurate, clear and complete. You must inform us immediately of any changes to the information that you provide. You must update your personal details.

The information on this website is intended as a general reference for users. It is made available on the understanding that South Pacific Loans, as a result of providing this information, is not engaged in providing professional advice. This website is not designed for the purpose of providing financial or investment advice. South Pacific Loans strongly recommends that you seek independent professional advice before acting on any information found within this site.

All reasonable measures have been taken to ensure the quality and accuracy of the information displayed on or through this website. However, South Pacific Loans Ltd makes no warranty, express or implied, nor assumes any legal liability or responsibility for the accuracy, correctness, completeness or use of any information that is available on or through this website, nor represents that its use would not infringe on privately owned rights.

South Pacific Loans Ltd may change the content on this website, including this Terms of Use and Disclaimer, at any time without prior notice.Nothing included on this website is, or shall be viewed as a promise or representation by South Pacific Loans Ltd. as to the past or future.


To the fullest legal extent possible, South Pacific Loans Ltd, its related companies, their directors, and any other person excludes all responsibility and liability in relation to this website and South Pacific Loans Ltd will not be held responsible for errors, omissions or misrepresentation or reliance on information contained in this website or be held liable for any loss or damage or cost or expense however caused.

To the fullest extent permitted by law, South Pacific Loans Ltd excludes every warranty and condition of any kind that might otherwise apply in relation to this website, its content and functions.

Copyright Information

The content, web pages, images, screens, and logos on this website are the copyright property of South Pacific Loans Ltd. This information may not be copied or reused in any form, electronic or otherwise, without the prior written consent of South Pacific Loans Ltd.

You may not use or permit use of any part of this site for any purpose other than that intended which is the provision to you of information about South Pacific Loans Ltd. 

This website may not be changed by any user or its operation interfered with in any way.


This website, Terms of Use and Disclaimer are governed by and shall be construed in accordance with the laws of New Zealand. Any disputes shall be submitted to the exclusive jurisdiction of the competent court in New Zealand.


If you would like to make any comments or complaints about this website or this Terms of Use and Disclaimer, please contact info@splnz.co.nz.