While we are here to provide money so you can get ahead in life, we aren’t financial advisors. We want you to make good decisions when it comes to managing your money, so on this page is a range of links and resources to support you with your finances.
We know that sometimes life events such as illness, unemployment or relationship breakdowns can lead to financial difficulty. There are options for you if you find yourself in this position and we encourage you to speak to us in the first instance to discuss how we can help and support you during this time. In many cases, you can make a financial hardship application.
Financial mentoring services
Visit www.moneytalks.co.nz/find-help-now to find a Financial Mentor. There are 200 financial mentoring services across more than 300 locations nationwide.
MoneyTalks is a free helpline available to provide free, confidential and independent budgeting advice to individuals, family and whanau.
If you are struggling with money or have concerns about your finances, get in touch with a trained financial mentor, phone 0800 345 123, text 4029, email email@example.com or access online chat and more information at www.moneytalks.co.nz
Finance tools, calculators and guides
Head to sorted.org.nz, an independent, impartial, government-funded organisation dedicated to helping Kiwis get ahead financially.
Understanding the Credit Contracts and Consumer Finance Act
When you borrow money, the Credit Contracts and Consumer Finance Act (CCCFA) ensures you are able to make informed choices, know what you are agreeing to and can keep track of your debts. Visit the Consumer Protection website for more information.
Visit the Gambline Helping website or phone 0800 654 655.
Lifestyle Money Bank Account
Our bank account details are:
Lifestyle Money Limited
Please quote your account number as the reference.
Calculate your repayments
Use this calculator to work out the most affordable repayment option for you. Lower weekly payments allow you to spread the cost out over a longer period of time, taking pressure off your weekly budget. Higher weekly payments save you more in the long run as you’ll pay less interest overall.
MINIMUM UNSECURED PERSONAL LOAN - $1500
MINIMUM SECURED PERSONAL LOAN - $5000
Your repayment estimate
Weekly direct debit
Estimate includes establishment fee of $40
Total amount borrowed
$2,602Apply now or call 0800 427 334
Disclaimer: Results are an estimate only and based on the information entered into the calculator by you. Any results provided by this calculator are to be used as a guide only, and do not constitute a quote from Lifestyle Money. Repayment, interest and total borrowed amounts are based on an interest rate of 25.50%. Limits, rates, fees and repayments may differ on application and are based on your individual assessment, Lifestyle Money’s credit criteria, terms and conditions. Lifestyle Money will not store the information provided in this calculator.
Frequently asked questions
Do you have a mobile app?
We do have a mobile version of the Lifestyle Money customer portal, which can be used on iPhone or Android devices. Click here for instructions.
How old do I need to be to apply?
You must be at least 18 years old. You also must be a New Zealand citizen or permanent resident and earning or receiving a regular income.
What information will I need to provide when I apply?
Regardless of which financial option you're applying for, you’ll need to provide original or certified identity documents. There are three options:
- New Zealand Passport; or
- New Zealand certificate of identity; or
- New Zealand firearms licence; or
- Foreign passport (New Zealand residents only)
- New Zealand Birth Certificate; or
- Certificate of Citizenship; or
- Birth Certificate issued by a foreign government
Together with one of the following:
- New Zealand driver’s license; or
- HANZ 18+ card; or
- Kiwi Access Card; or
- Current international driving permit
- New Zealand driver’s licence
Together with one of the following:
- Bank statement addressed to you and dated within the last 12 months; or
- Any New Zealand Government department statement addressed to you and dated within the last 12 months; or
- Document issued by Government agency that has name and signature, for example New Zealand SuperGold Card or Community Services Card; or
- Credit/Debit/EFTPOS card with name embossed
To ensure we comply with our legal requirement as a responsible lender, we will also need you to provide:
- Up to 3 months current bank statements
- Proof of income you receive or earn from regular sources
- Overview of your current expenses
What’s the difference between the Everyday Account and Payment Plan?
If you have an Everyday Account, you can spend whatever available credit you have anytime you wish on any items in the Home Direct store. The more you pay off, the more you’ll have available to spend again. If you want to make frequent purchases in an ongoing manner, the Everyday Account is your best option as it enables you to buy when you want (provided you have available credit).
Payment Plan is a fixed amount that you pay off over a set period of time. If you want to purchase again it will either be via a new Payment Plan Account or via an Everyday Account. Only selected Home Direct product categories are available to purchase using Payment Plan.
Do you adhere to the Responsible Lending Code?
Yes. We only want you to be approved for finance if it is the right thing for you and your budget.
What happens if I am unable to meet my repayments?
Please call us on 0800 427 334, ideally before you miss the payment. You’ll find more information on our financial hardship page.
What are Lifestyle Money's fees?
- Missed payment fee $15 per missed fee
- Field Agent visit $65
- Everyday Account Monthly account fee $6
- Payment Plan Establishment fee $40
- Personal Loan Secured Establishment fee - $55
- Personal Loan Unsecured Establishment fee - $50