{"id":151,"date":"2026-06-24T02:11:36","date_gmt":"2026-06-24T02:11:36","guid":{"rendered":"https:\/\/cmcdeploytwo.co.nz\/pacific\/?page_id=151"},"modified":"2026-07-08T09:30:46","modified_gmt":"2026-07-07T21:30:46","slug":"how-it-works","status":"publish","type":"page","link":"https:\/\/cmcdeploytwo.co.nz\/pacific\/how-it-works\/","title":{"rendered":"How It Works"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; column_spacing=&#8221;0px&#8221; css=&#8221;.vc_custom_1782266105232{padding-bottom: 0px !important;background-image: url(https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/blue-pattern-copy.webp?id=127) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}&#8221; wpex_bg_color=&#8221;#152456&#8243; wpex_bg_position=&#8221;right center&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782266241269{padding-top: 80px !important;padding-bottom: 80px !important;}&#8221;]<span style=\"color: #ffffff;\">Trusted by Pacific Families for over 30 Years<\/span><\/p>\n<h1><span style=\"color: #00adee;\">How it works &#8211; applying for a personal loan in Auckland<\/span><\/h1>\n[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][\/vc_column][\/vc_row][vc_row remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1782185699434{margin-top: 50px !important;margin-bottom: 50px !important;}&#8221;][vc_column][vc_column_text css=&#8221;&#8221; text_align=&#8221;center&#8221; width=&#8221;90%&#8221;]\n<h2>We know that applying<br \/>\nfor a loan can feel uncertain<\/h2>\n<p><strong>Especially if you haven&#8217;t done it before, or things haven&#8217;t gone smoothly in the past.<\/strong><\/p>\n<p>At Pacific Finance, we believe the process should feel clear and straightforward from start to finish. No surprises, no confusing language, no wondering what happens next. Just honest, human help from a team that&#8217;s been doing this for over 30 years.[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1782185398282{padding-top: 30px !important;padding-bottom: 30px !important;}&#8221; wpex_bg_color=&#8221;#cce5f5&#8243;][vc_column][vc_column_text css=&#8221;&#8221; text_align=&#8221;center&#8221; color=&#8221;#152456&#8243;]<strong>Here&#8217;s a simple overview of how it works\u00a0 and everything you need to know before you get started.<\/strong>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1782266390496{padding-top: 50px !important;padding-bottom: 50px !important;}&#8221;][vc_column][vc_column_text css=&#8221;&#8221; text_align=&#8221;center&#8221; width=&#8221;90%&#8221;]\n<h2>Three simple ways to apply<\/h2>\n<p>There&#8217;s no right or wrong way to apply. Some people prefer to start online and follow up with a call. Others like to come in and talk it through face to face. Whatever you&#8217;re most comfortable with, our team is ready.<\/p>\n<p><strong>You can reach us however works best for you:<\/strong>[\/vc_column_text][\/vc_column][\/vc_row][vc_row column_spacing=&#8221;0px&#8221; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1782263853976{margin-bottom: 50px !important;}&#8221;][vc_column css_animation=&#8221;slideInLeft&#8221; width=&#8221;1\/3&#8243; wpex_bg_color=&#8221;#f4f5f7&#8243; css=&#8221;.vc_custom_1782264698943{padding-top: 30px !important;padding-right: 30px !important;padding-bottom: 30px !important;padding-left: 30px !important;}&#8221;]<style>.vcex-image.vcex_6a7276ec65ceb .vcex-image-inner{max-width:150px;}<\/style><figure class=\"vcex-image vcex-module wpex-text-center vcex_6a7276ec65ceb\"><div class=\"vcex-image-inner wpex-relative wpex-inline-block vc_custom_1782263477154\"><img width=\"150\" height=\"1\" src=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Asset-1.svg\" class=\"vcex-image-img wpex-align-middle\" alt=\"\" loading=\"lazy\" decoding=\"async\" \/><\/div><\/figure>[vc_column_text css=&#8221;.vc_custom_1782263603906{margin-bottom: 30px !important;}&#8221; text_align=&#8221;center&#8221;]\n<h3>APPLY<br \/>\nONLINE<\/h3>\n<p>Our application takes about 2 minutes and you can do it any time.[\/vc_column_text]<div class=\"theme-button-wrap textcenter wpex-clr\"><a href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/apply-online\/\" class=\"vcex-button theme-button align-center inline\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Apply Now<\/span><\/a><\/div> [\/vc_column][vc_column css_animation=&#8221;slideInDown&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1782264706817{padding-top: 30px !important;padding-right: 30px !important;padding-bottom: 30px !important;padding-left: 30px !important;}&#8221; wpex_bg_color=&#8221;#f9f9f8&#8243;]<style>.vcex-image.vcex_6a7276ec66ddb .vcex-image-inner{max-width:150px;}<\/style><figure class=\"vcex-image vcex-module wpex-text-center vcex_6a7276ec66ddb\"><div class=\"vcex-image-inner wpex-relative wpex-inline-block vc_custom_1782263700767\"><img width=\"150\" height=\"1\" src=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Asset-2.svg\" class=\"vcex-image-img wpex-align-middle\" alt=\"\" loading=\"lazy\" decoding=\"async\" \/><\/div><\/figure>[vc_column_text css=&#8221;.vc_custom_1782263722967{margin-bottom: 30px !important;}&#8221; text_align=&#8221;center&#8221;]\n<h3>CALL OUR<br \/>\nTEAM<\/h3>\n<p>Talk to one of our team who will guide you through the process.[\/vc_column_text]<div class=\"theme-button-wrap textcenter wpex-clr\"><a href=\"tel:0800%20744%20227\" class=\"vcex-button theme-button align-center inline\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">0800 744 227 <\/span><\/a><\/div> [\/vc_column][vc_column css_animation=&#8221;slideInRight&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1782264713835{padding-top: 30px !important;padding-right: 30px !important;padding-bottom: 30px !important;padding-left: 30px !important;}&#8221; wpex_bg_color=&#8221;#f4f5f7&#8243;]<style>.vcex-image.vcex_6a7276ec6733b .vcex-image-inner{max-width:150px;}<\/style><figure class=\"vcex-image vcex-module wpex-text-center vcex_6a7276ec6733b\"><div class=\"vcex-image-inner wpex-relative wpex-inline-block vc_custom_1782263759299\"><img width=\"150\" height=\"1\" src=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Asset-3.svg\" class=\"vcex-image-img wpex-align-middle\" alt=\"\" loading=\"lazy\" decoding=\"async\" \/><\/div><\/figure>[vc_column_text css=&#8221;.vc_custom_1782263778626{margin-bottom: 30px !important;}&#8221; text_align=&#8221;center&#8221;]\n<h3>VISIT US IN<br \/>\nAVONDALE<\/h3>\n<p>Come in and we&#8217;ll sit down with you in person and help you.[\/vc_column_text]<div class=\"theme-button-wrap textcenter wpex-clr\"><a href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/?page_id=286\" class=\"vcex-button theme-button align-center inline\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Contact Us<\/span><\/a><\/div> [\/vc_column][\/vc_row][vc_row css_animation=&#8221;bounceInDown&#8221; full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; column_spacing=&#8221;0px&#8221; rtl_reverse=&#8221;yes&#8221; remove_bottom_col_margin=&#8221;true&#8221; wpex_bg_color=&#8221;#cce5f5&#8243; css=&#8221;.vc_custom_1782275602451{margin-bottom: 0px !important;padding-top: 80px !important;background-image: url(https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/divider2.svg?id=10) !important;background-position: 0 0 !important;background-repeat: repeat-x !important;}&#8221; wpex_bg_position=&#8221;top center&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1782275612441{padding-top: 50px !important;padding-bottom: 80px !important;}&#8221; text_align=&#8221;center&#8221;]\n<h2><span style=\"color: #00adee;\">What happens after you apply<\/span><\/h2>\n<p><strong>Once we receive your application, our team gets to work reviewing your information. But this isn&#8217;t something that happens behind closed doors &#8211; we&#8217;ll reach out to talk through your situation directly with you.<\/strong><\/p>\n<p>We might ask a few questions to better understand your circumstances, and we&#8217;ll answer any questions you have about the process, the loan or what happens next. We want to make sure we fully understand your situation before we give you an answer.<\/p>\n<p>This step is also where we&#8217;ll let you know if there&#8217;s anything additional we need from you\u00a0 like a payslip, bank statement or proof of address. We&#8217;ll tell you exactly what&#8217;s needed and why, so nothing comes as a surprise.[\/vc_column_text][\/vc_column][\/vc_row][vc_row css_animation=&#8221;none&#8221; column_spacing=&#8221;60&#8243; remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1782266987316{margin-bottom: 0px !important;padding-top: 50px !important;padding-bottom: 50px !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}&#8221; wpex_bg_position=&#8221;top center&#8221; wpex_bg_size=&#8221;8%&#8221;][vc_column width=&#8221;1\/3&#8243;][vc_column_text css=&#8221;.vc_custom_1782267017206{padding-top: 40px !important;padding-bottom: 40px !important;}&#8221;]\n<h2>What you&#8217;ll need to have ready<\/h2>\n<p>Most applications are straightforward and don&#8217;t require a lot of paperwork. You&#8217;ll generally need some form of identification, proof of address and proof of income but the exact requirements can vary depending on your situation.<\/p>\n<p><strong>Don&#8217;t worry if you&#8217;re not sure what you have or whether it&#8217;s enough our team can talk you through exactly what&#8217;s needed before you apply.<\/strong>[\/vc_column_text]<a href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/?page_id=163\" class=\"vcex-button theme-button align-left inline\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Find Out More <\/span><\/a> [\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_column_text css=&#8221;.vc_custom_1782267012107{padding-top: 40px !important;padding-bottom: 40px !important;}&#8221;]\n<h2><span style=\"color: #00adee;\">Rates, fees <\/span><span style=\"color: #00adee;\">and repayments<\/span><\/h2>\n<p>We believe in being completely upfront about what a loan will cost. Before you agree to anything, we&#8217;ll explain your interest rate, any fees that apply and exactly what your repayments will look like &#8211; weekly, fortnightly or monthly.<\/p>\n<p><strong>No hidden costs. No surprises buried in the fine print.<\/strong>[\/vc_column_text]<a href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/?page_id=138\" class=\"vcex-button theme-button align-left inline\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Find Out More <\/span><\/a> [\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_column_text css=&#8221;.vc_custom_1782267005437{padding-top: 40px !important;padding-bottom: 40px !important;}&#8221;]\n<h2>Still have questions?<\/h2>\n<p>If there&#8217;s anything you&#8217;re not sure about whether it&#8217;s the process, what you need, or whether you&#8217;re likely to qualify our team is here to help. You can call us, send a message or visit us in Avondale. There&#8217;s no pressure and no obligation.[\/vc_column_text]<a href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/?page_id=199\" class=\"vcex-button theme-button align-left inline\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">View FAQs<\/span><\/a> [\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221;][vc_column]<figure class=\"vcex-image vcex-module vcex-fill-column wpex-text-center\"><div class=\"vcex-image-inner wpex-relative wpex-inline-block\"><img width=\"2400\" height=\"821\" src=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Pacific-Finance-Application.webp\" class=\"vcex-image-img wpex-align-middle\" alt=\"Pacific Finance Application Process\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Pacific-Finance-Application.webp 2400w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Pacific-Finance-Application-300x103.webp 300w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Pacific-Finance-Application-1024x350.webp 1024w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Pacific-Finance-Application-768x263.webp 768w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Pacific-Finance-Application-1536x525.webp 1536w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Pacific-Finance-Application-2048x701.webp 2048w\" sizes=\"auto, (max-width: 2400px) 100vw, 2400px\" \/><\/div><\/figure>[\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; column_spacing=&#8221;0px&#8221; css=&#8221;.vc_custom_1782266105232{padding-bottom: 0px !important;background-image: url(https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/blue-pattern-copy.webp?id=127) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}&#8221; wpex_bg_color=&#8221;#152456&#8243; wpex_bg_position=&#8221;right center&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782266241269{padding-top: 80px !important;padding-bottom: 80px !important;}&#8221;]Trusted by Pacific Families for over 30 Years How it works &#8211; applying for a personal loan in Auckland [\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][\/vc_column][\/vc_row][vc_row remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1782185699434{margin-top: 50px !important;margin-bottom: 50px !important;}&#8221;][vc_column][vc_column_text css=&#8221;&#8221; text_align=&#8221;center&#8221; width=&#8221;90%&#8221;] We know&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-151","page","type-page","status-publish","hentry","entry","no-media"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Wondering what happens when you apply for a loan with Pacific Finance? 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