• Two applicants max

• $2,000 (including top-up)

• $40,000 unsecured
• $60,000 secured

• 1 year

• 7 years

• 90%

• All legal purposes, excluding payment of basic living expenses, repayment of child support, loans for business purposes or working capital.
• Exception: Unpaid fines, arrears, and defaults may be included as part of a Unity debt consolidation loan.  

• $200

• Transactional bank statements (last 90 days); or
• Three (3) most consecutive payslips; and
• Employment contract (if applicant has been with current employer less than 3 months)

• IRD personal Tax Summary (IR3)
  (Minimum of 12 months and the most recent)

• IRD personal Tax Summary (IR3)
  (Minimum of 12 months and the most recent)

• 12 months with the same employer; and
• IRD personal Tax Summary (IR3)
  (Minimum of 12 months and the most recent)

• Last two years financial accounts prepared by an accountant.
• For non-true trading entities (e.g. IT contractor), IRD returns are acceptable for the past two years.

• IRD personal Tax Summary (IR3)
  (Minimum of 12 months and the most recent)

• Overseas income must be converted to New Zealand dollars using the current exchange rate on the day, and scaled at 80%; and
• Copy of the applicant’s signed Employment Agreement is required.

• Jobseeker Support
• NZ Super
• Sickness, ACC
• Sole Parent Support
• WFF, Family Assistance & Child Disability Allowance
• Accommodation supplement

• Transactional bank statements (last 90 days); or
• Written confirmation of entitlements.

Rental income

(income from tenants, flatmates or boarders)

• Evidence of regular payments to account; or
• Copy of Tenancy Agreement; or
• Letter from Real Estate agent / Property Manager

• Student allowances
• Casual (unverified) income
• Child support payments and/or child or spouse maintenance
• Irregular or short-term overtime and income
• Benefits not listed as acceptable and/or non-permanent benefits i.e. temporary additional support, winter energy payments etc.
• Non-taxable allowances or reimbursement allowances
• Parental leave payments
• Income derived from lifestyle blocks or serviced apartments.
• Bonus Income

• If the value of security available is less than 50% of the loan amount, the loan is deemed/priced as unsecured.

• Written valuation from independent party

• Written valuation from independent party

• Held by Unity with a security interest noted

• Must hold a licence
• Must have current WOF & registration
• Comprehensive insurance required (where vehicle is >$7,500)