{"id":163,"date":"2026-06-24T02:35:52","date_gmt":"2026-06-24T02:35:52","guid":{"rendered":"https:\/\/cmcdeploytwo.co.nz\/pacific\/?page_id=163"},"modified":"2026-07-08T09:31:32","modified_gmt":"2026-07-07T21:31:32","slug":"what-you-need","status":"publish","type":"page","link":"https:\/\/cmcdeploytwo.co.nz\/pacific\/what-you-need\/","title":{"rendered":"What you need"},"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_1782263323255{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;#cce5f5&#8243; wpex_bg_position=&#8221;right center&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782267175376{padding-top: 80px !important;padding-bottom: 80px !important;}&#8221;]\n<h1>What you need to apply for a personal loan in Auckland<\/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>Because we&#8217;re committed<br \/>\nto responsible lending.<\/h2>\n<p>We need to know our customers properly before we can help them. That means there are a few things we&#8217;ll need from you and being prepared before you apply makes the whole process faster and simpler.<\/p>\n<p><strong>Below is exactly what we need. We&#8217;ve kept it as straightforward as possible, and there&#8217;s a handy shortcut at the end that could save you a trip to the bank entirely.<\/strong>[\/vc_column_text][\/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; columns_right=&#8221;yes&#8221; wpex_bg_color=&#8221;#cce5f5&#8243; css=&#8221;.vc_custom_1782264245297{margin-bottom: 0px !important;padding-top: 10px !important;padding-bottom: 0px !important;background-image: url(https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Asset-10.svg?id=133) !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\/2&#8243;]<style>.vcex-image.vcex_6a72771a11649 .vcex-image-img{object-position:bottom center;}<\/style><figure class=\"vcex-image vcex-module vcex-fill-column vcex_6a72771a11649\"><div class=\"vcex-image-inner wpex-relative wpex-inline-block vc_custom_1782360682188\"><img width=\"1200\" height=\"1200\" src=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Page-images-copy.webp\" class=\"vcex-image-img wpex-align-middle\" alt=\"\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Page-images-copy.webp 1200w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Page-images-copy-300x300.webp 300w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Page-images-copy-1024x1024.webp 1024w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Page-images-copy-150x150.webp 150w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Page-images-copy-768x768.webp 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/div><\/figure>[\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782276402448{margin-bottom: 40px !important;padding-top: 40px !important;}&#8221;]\n<h2><span style=\"color: #00adee;\">1.<\/span> Proof of who you are<span style=\"color: #00adee;\"><br \/>\n<\/span><\/h2>\n<p>We need to verify your identity. This is a non-negotiable requirement under our responsible lending obligations but it&#8217;s usually quick and easy to satisfy.<\/p>\n<p>You can use either of the following:<\/p>\n<ul>\n<li><strong>A valid passport<br \/>\n<\/strong>This is the simplest option \u2014 one document and you&#8217;re done.<\/li>\n<\/ul>\n<ul>\n<li><strong>A valid driver licence plus one piece of secondary ID<br \/>\n<\/strong>Your secondary ID can be any of the following:<\/p>\n<ul>\n<li>Credit card or Eftpos card<\/li>\n<li>Gold Card or bank statement<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row css_animation=&#8221;bounceInDown&#8221; full_width=&#8221;stretch_row&#8221; content_placement=&#8221;top&#8221; column_spacing=&#8221;60&#8243; remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1782276340082{margin-bottom: 0px !important;padding-top: 80px !important;padding-bottom: 50px !important;background-image: url(https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Asset-11.svg?id=135) !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\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782267925760{padding-top: 80px !important;padding-bottom: 80px !important;}&#8221;]\n<h2><span style=\"color: #00adee;\">2<\/span> Proof of where you live<span style=\"color: #00adee;\"><br \/>\n<\/span><\/h2>\n<p>We need to confirm your current address. Please provide one of the following documents showing your full name and current address:<\/p>\n<ul>\n<li>A bank statement (stamped as certified by the bank, or downloaded via our secure link)<\/li>\n<li>A recent utility bill (power, water, gas)<\/li>\n<li>A copy of your current tenancy agreement<\/li>\n<li>A rates bill<\/li>\n<\/ul>\n<hr \/>\n<p><span style=\"color: #152456;\"><em><strong>Shortcut:<\/strong> If you provide three months of certified bank statements (required for proof of affordability below), those same statements also satisfy your proof of address \u2014 so you only need your primary photo ID on top of that. One less thing to sort.<\/em><\/span><\/p>\n<hr \/>\n[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782276346066{padding-top: 80px !important;padding-bottom: 40px !important;}&#8221;]\n<h2><span style=\"color: #00adee;\">3 <\/span>Proof of affordability<\/h2>\n<p>Before we lend, we need to make sure the loan is genuinely affordable for you. That&#8217;s not just a box-ticking exercise it&#8217;s how we make sure we&#8217;re actually helping you, not putting you in a difficult position.<\/p>\n<p>We&#8217;ll need your last three months of bank statements, showing your full name. These need to be either:<\/p>\n<ul>\n<li>Stamped as certified by your bank, or<\/li>\n<li>Downloaded via our secure online link (we can do this together if you come into our Avondale office and have internet banking set up)<\/li>\n<\/ul>\n<hr \/>\n<p><span style=\"color: #152456;\"><em>No time to queue at the bank? Our online application can download your bank statements automatically &#8211; with your permission, via a secure link. It&#8217;s fast, safe and means you don&#8217;t need to visit the bank at all.<\/em><\/span><\/p>\n<p><span style=\"color: #152456;\"><em>\u00a0If you prefer to do it in person, come into our Avondale office and we&#8217;ll help you download them there and then.<\/em><\/span><\/p>\n<hr \/>\n<p>Your bank statements tell us about your regular income and outgoings which helps us find a repayment amount that genuinely works for your budget, not just one that looks okay on paper.[\/vc_column_text][\/vc_column][\/vc_row][vc_row css_animation=&#8221;bounceInDown&#8221; full_width=&#8221;stretch_row&#8221; content_placement=&#8221;top&#8221; column_spacing=&#8221;60&#8243; remove_bottom_col_margin=&#8221;true&#8221; wpex_bg_color=&#8221;#cce5f5&#8243; css=&#8221;.vc_custom_1782267872408{margin-bottom: 0px !important;padding-top: 80px !important;padding-bottom: 0px !important;background-image: url(https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Asset-10.svg?id=133) !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\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782267608984{padding-top: 80px !important;padding-bottom: 80px !important;}&#8221;]\n<h2><span style=\"color: #00adee;\">4<\/span> Security (if applicable)<span style=\"color: #00adee;\"><br \/>\n<\/span><\/h2>\n<p>If you have assets in your name, we may be able to use these as security for your loan. This can sometimes make it easier to access lending or improve the terms available to you.<\/p>\n<p><strong>Assets we can use as security include:<\/strong><\/p>\n<ul>\n<li>A registered and warranted vehicle in your name<\/li>\n<li>A property in your name<\/li>\n<li>Household goods (excluding essential whiteware such as fridges and ovens)<\/li>\n<\/ul>\n<p><strong>If you&#8217;re offering a vehicle or property as security, we&#8217;ll need a couple of additional documents:<\/strong><\/p>\n<ul>\n<li>For a vehicle: a copy of the Vehicle Offer &amp; Sale Agreement<\/li>\n<li>For a property: a copy of your most recent mortgage statement, so we can see the outstanding balance<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782267651245{padding-top: 80px !important;padding-bottom: 80px !important;}&#8221;]\n<h2><span style=\"color: #00adee;\">5<\/span> Your credit history &#8211; we don&#8217;t judge<span style=\"color: #00adee;\"><br \/>\n<\/span><\/h2>\n<p>We know that life happens. Job loss, family emergencies, unexpected bills &#8211; sometimes things go wrong financially and it takes time to recover. We don&#8217;t believe that a difficult period in your past should automatically close the door on getting help now.<\/p>\n<p>At Pacific Finance, we look at your record of paying back previous loans including the context around it. If you had a problem in the past and you&#8217;ve paid off a bad debt, or you&#8217;re still working through one, our team may still be able to approve a loan for you.<\/p>\n<p>We assess every application individually, with real people making real judgement calls\u00a0 not an automated system that spits out a yes or no based on a number.<\/p>\n<p>If you&#8217;re worried about your credit history, the best thing you can do is call us before you apply. <strong>We&#8217;ll have an honest conversation about your situation and tell you where you stand \u00a0&#8211; \u00a0no pressure, no obligation.<\/strong>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1782276365189{margin-top: 80px !important;margin-bottom: 50px !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1782267994462{padding-bottom: 40px !important;}&#8221; width=&#8221;90%&#8221; text_align=&#8221;center&#8221;]\n<h2><span style=\"color: #00adee;\">Quick checklist<br \/>\n<\/span>what to have ready<\/h2>\n<p><strong>Here&#8217;s a summary of everything you may need:<\/strong>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;]<style>.vcex-image.vcex_6a72771a12233 .vcex-image-inner{max-width:150px;}<\/style><figure class=\"vcex-image vcex-module wpex-text-center vcex_6a72771a12233\"><div class=\"vcex-image-inner wpex-relative wpex-inline-block vc_custom_1782276170340\"><img width=\"150\" height=\"1\" src=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Asset-12.svg\" class=\"vcex-image-img wpex-align-middle\" alt=\"\" loading=\"lazy\" decoding=\"async\" \/><\/div><\/figure>[vc_column_text css=&#8221;.vc_custom_1782268094002{margin-bottom: 30px !important;}&#8221; text_align=&#8221;center&#8221;]\n<h3>Primary photo ID<\/h3>\n<p>valid passport, or driver licence plus secondary ID[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;]<style>.vcex-image.vcex_6a72771a1256c .vcex-image-inner{max-width:150px;}<\/style><figure class=\"vcex-image vcex-module wpex-text-center vcex_6a72771a1256c\"><div class=\"vcex-image-inner wpex-relative wpex-inline-block vc_custom_1782276177257\"><img width=\"150\" height=\"1\" src=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Asset-13.svg\" class=\"vcex-image-img wpex-align-middle\" alt=\"\" loading=\"lazy\" decoding=\"async\" \/><\/div><\/figure>[vc_column_text css=&#8221;.vc_custom_1782268099325{margin-bottom: 30px !important;}&#8221; text_align=&#8221;center&#8221;]\n<h3>Proof of address<\/h3>\n<p>Bank statement, utility bill, tenancy agreement or rates bill[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;]<style>.vcex-image.vcex_6a72771a12848 .vcex-image-inner{max-width:150px;}<\/style><figure class=\"vcex-image vcex-module wpex-text-center vcex_6a72771a12848\"><div class=\"vcex-image-inner wpex-relative wpex-inline-block vc_custom_1782276186588\"><img width=\"150\" height=\"1\" src=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Asset-14.svg\" class=\"vcex-image-img wpex-align-middle\" alt=\"\" loading=\"lazy\" decoding=\"async\" \/><\/div><\/figure>[vc_column_text css=&#8221;.vc_custom_1782268115101{margin-bottom: 30px !important;}&#8221; text_align=&#8221;center&#8221;]\n<h3>Last 3 months bank statements<\/h3>\n<p>Certified or downloaded via secure link[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;]<style>.vcex-image.vcex_6a72771a12af3 .vcex-image-inner{max-width:150px;}<\/style><figure class=\"vcex-image vcex-module wpex-text-center vcex_6a72771a12af3\"><div class=\"vcex-image-inner wpex-relative wpex-inline-block vc_custom_1782276195582\"><img width=\"150\" height=\"1\" src=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Asset-15.svg\" class=\"vcex-image-img wpex-align-middle\" alt=\"\" loading=\"lazy\" decoding=\"async\" \/><\/div><\/figure>[vc_column_text css=&#8221;.vc_custom_1782268135339{margin-bottom: 30px !important;}&#8221; text_align=&#8221;center&#8221;]\n<h3>If offering security<\/h3>\n<p>Vehicle Offer &amp; Sale Agreement or mortgage statement[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_column_text css=&#8221;.vc_custom_1782268310619{margin-top: 20px !important;margin-bottom: 20px !important;border-top-width: 1px !important;border-bottom-width: 1px !important;padding-top: 20px !important;padding-bottom: 20px !important;border-top-style: solid !important;border-bottom-style: solid !important;}&#8221; color=&#8221;#152456&#8243; wpex_border_color=&#8221;#152456&#8243; text_align=&#8221;center&#8221;]<em>Remember: your 3 months of bank statements cover both proof of address AND proof of affordability \u2014 so if you have those plus your primary photo ID, you&#8217;ve covered the three main requirements in one go.<\/em>[\/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_1782268504696{margin-top: 50px !important;margin-bottom: 0px !important;padding-top: 80px !important;padding-bottom: 80px !important;background-image: url(https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/divider.svg?id=36) !important;background-position: 0 0 !important;background-repeat: repeat-x !important;}&#8221; wpex_bg_color=&#8221;#cce5f5&#8243; wpex_bg_position=&#8221;bottom center&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1783294741871{padding-bottom: 40px !important;}&#8221; width=&#8221;90%&#8221; text_align=&#8221;center&#8221;]\n<h2>Not sure if you have everything?<\/h2>\n<p>Don&#8217;t let uncertainty about documents slow you down. If you&#8217;re not sure whether what you have will work, just call us and our team will tell you exactly what you need for your specific situation before you apply.<\/p>\n<p>A quick 5 minute call is often all it takes to get clarity and move forward with confidence.[\/vc_column_text][vc_row_inner column_spacing=&#8221;0px&#8221; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1782268519445{margin-bottom: 50px !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1782268439113{padding-top: 30px !important;padding-right: 30px !important;padding-bottom: 30px !important;padding-left: 30px !important;background-color: #F4F5F7 !important;}&#8221;]<style>.vcex-image.vcex_6a72771a12da3 .vcex-image-inner{max-width:150px;}<\/style><figure class=\"vcex-image vcex-module wpex-text-center vcex_6a72771a12da3\"><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_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1782268475131{padding-top: 30px !important;padding-right: 30px !important;padding-bottom: 30px !important;padding-left: 30px !important;background-color: #F9F9F8 !important;}&#8221;]<style>.vcex-image.vcex_6a72771a13592 .vcex-image-inner{max-width:150px;}<\/style><figure class=\"vcex-image vcex-module wpex-text-center vcex_6a72771a13592\"><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_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1782268449662{padding-top: 30px !important;padding-right: 30px !important;padding-bottom: 30px !important;padding-left: 30px !important;background-color: #F4F5F7 !important;}&#8221;]<style>.vcex-image.vcex_6a72771a13ae5 .vcex-image-inner{max-width:150px;}<\/style><figure class=\"vcex-image vcex-module wpex-text-center vcex_6a72771a13ae5\"><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_inner][\/vc_row_inner][\/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=\"861\" src=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Footer_2.webp\" class=\"vcex-image-img wpex-align-middle\" alt=\"\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Footer_2.webp 2400w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Footer_2-300x108.webp 300w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Footer_2-1024x367.webp 1024w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Footer_2-768x276.webp 768w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Footer_2-1536x551.webp 1536w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Footer_2-2048x735.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_1782263323255{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;#cce5f5&#8243; wpex_bg_position=&#8221;right center&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782267175376{padding-top: 80px !important;padding-bottom: 80px !important;}&#8221;] What you need to apply 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;] Because we&#8217;re committed to responsible lending. We need to&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-163","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=\"Find out exactly what to bring when applying for a personal loan with Pacific Finance. Proof of ID, address, income and other information.\" \/>\n\t<meta name=\"robots\" content=\"noindex, nofollow, max-image-preview:large\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/what-you-need\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 4.9.10\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Pacific Finance -\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"What Do I Need to Apply for a Loan? | Pacific Finance Auckland\" \/>\n\t\t<meta property=\"og:description\" content=\"Find out exactly what to bring when applying for a personal loan with Pacific Finance. Proof of ID, address, income and other information.\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/what-you-need\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/cropped-favicon.png\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/cropped-favicon.png\" \/>\n\t\t<meta property=\"og:image:width\" content=\"512\" \/>\n\t\t<meta property=\"og:image:height\" content=\"512\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2026-06-24T02:35:52+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-07-07T21:31:32+00:00\" \/>\n\t\t<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PacificFinanceLtdnz?checkpoint_src=any\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"What Do I Need to Apply for a Loan? | Pacific Finance Auckland\" \/>\n\t\t<meta name=\"twitter:description\" content=\"Find out exactly what to bring when applying for a personal loan with Pacific Finance. Proof of ID, address, income and other information.\" \/>\n\t\t<meta name=\"twitter:image\" content=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/cropped-favicon.png\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific\\\/what-you-need\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific\\\/what-you-need\\\/#listItem\",\"name\":\"What you need\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific\\\/what-you-need\\\/#listItem\",\"position\":2,\"name\":\"What you need\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific#listItem\",\"name\":\"Home\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific\\\/#organization\",\"name\":\"Pacific Finance\",\"description\":\"| Loan Companies in Avondale, Auckland\",\"url\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific\\\/\",\"telephone\":\"+64800744227\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/Pacific-Finance.svg\",\"@id\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific\\\/what-you-need\\\/#organizationLogo\"},\"image\":{\"@id\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific\\\/what-you-need\\\/#organizationLogo\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/PacificFinanceLtdnz?checkpoint_src=any\"]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific\\\/what-you-need\\\/#webpage\",\"url\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific\\\/what-you-need\\\/\",\"name\":\"What Do I Need to Apply for a Loan? | Pacific Finance Auckland\",\"description\":\"Find out exactly what to bring when applying for a personal loan with Pacific Finance. Proof of ID, address, income and other information.\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific\\\/what-you-need\\\/#breadcrumblist\"},\"datePublished\":\"2026-06-24T02:35:52+12:00\",\"dateModified\":\"2026-07-08T09:31:32+12:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific\\\/#website\",\"url\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific\\\/\",\"name\":\"Pacific Finance\",\"inLanguage\":\"en-US\",\"publisher\":{\"@id\":\"https:\\\/\\\/cmcdeploytwo.co.nz\\\/pacific\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO Pro -->\r\n\t\t<title>What Do I Need to Apply for a Loan? | Pacific Finance Auckland<\/title>\n\n","aioseo_head_json":{"title":"What Do I Need to Apply for a Loan? | Pacific Finance Auckland","description":"Find out exactly what to bring when applying for a personal loan with Pacific Finance. Proof of ID, address, income and other information.","canonical_url":"https:\/\/cmcdeploytwo.co.nz\/pacific\/what-you-need\/","robots":"noindex, nofollow, max-image-preview:large","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/cmcdeploytwo.co.nz\/pacific\/what-you-need\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/cmcdeploytwo.co.nz\/pacific#listItem","position":1,"name":"Home","item":"https:\/\/cmcdeploytwo.co.nz\/pacific","nextItem":{"@type":"ListItem","@id":"https:\/\/cmcdeploytwo.co.nz\/pacific\/what-you-need\/#listItem","name":"What you need"}},{"@type":"ListItem","@id":"https:\/\/cmcdeploytwo.co.nz\/pacific\/what-you-need\/#listItem","position":2,"name":"What you need","previousItem":{"@type":"ListItem","@id":"https:\/\/cmcdeploytwo.co.nz\/pacific#listItem","name":"Home"}}]},{"@type":"Organization","@id":"https:\/\/cmcdeploytwo.co.nz\/pacific\/#organization","name":"Pacific Finance","description":"| Loan Companies in Avondale, Auckland","url":"https:\/\/cmcdeploytwo.co.nz\/pacific\/","telephone":"+64800744227","logo":{"@type":"ImageObject","url":"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Pacific-Finance.svg","@id":"https:\/\/cmcdeploytwo.co.nz\/pacific\/what-you-need\/#organizationLogo"},"image":{"@id":"https:\/\/cmcdeploytwo.co.nz\/pacific\/what-you-need\/#organizationLogo"},"sameAs":["https:\/\/www.facebook.com\/PacificFinanceLtdnz?checkpoint_src=any"]},{"@type":"WebPage","@id":"https:\/\/cmcdeploytwo.co.nz\/pacific\/what-you-need\/#webpage","url":"https:\/\/cmcdeploytwo.co.nz\/pacific\/what-you-need\/","name":"What Do I Need to Apply for a Loan? | Pacific Finance Auckland","description":"Find out exactly what to bring when applying for a personal loan with Pacific Finance. Proof of ID, address, income and other information.","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/cmcdeploytwo.co.nz\/pacific\/#website"},"breadcrumb":{"@id":"https:\/\/cmcdeploytwo.co.nz\/pacific\/what-you-need\/#breadcrumblist"},"datePublished":"2026-06-24T02:35:52+12:00","dateModified":"2026-07-08T09:31:32+12:00"},{"@type":"WebSite","@id":"https:\/\/cmcdeploytwo.co.nz\/pacific\/#website","url":"https:\/\/cmcdeploytwo.co.nz\/pacific\/","name":"Pacific Finance","inLanguage":"en-US","publisher":{"@id":"https:\/\/cmcdeploytwo.co.nz\/pacific\/#organization"}}]},"og:locale":"en_US","og:site_name":"Pacific Finance -","og:type":"article","og:title":"What Do I Need to Apply for a Loan? | Pacific Finance Auckland","og:description":"Find out exactly what to bring when applying for a personal loan with Pacific Finance. Proof of ID, address, income and other information.","og:url":"https:\/\/cmcdeploytwo.co.nz\/pacific\/what-you-need\/","og:image":"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/cropped-favicon.png","og:image:secure_url":"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/cropped-favicon.png","og:image:width":512,"og:image:height":512,"article:published_time":"2026-06-24T02:35:52+00:00","article:modified_time":"2026-07-07T21:31:32+00:00","article:publisher":"https:\/\/www.facebook.com\/PacificFinanceLtdnz?checkpoint_src=any","twitter:card":"summary_large_image","twitter:title":"What Do I Need to Apply for a Loan? | Pacific Finance Auckland","twitter:description":"Find out exactly what to bring when applying for a personal loan with Pacific Finance. Proof of ID, address, income and other information.","twitter:image":"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/cropped-favicon.png"},"aioseo_meta_data":{"post_id":"163","title":"What Do I Need to Apply for a Loan? | Pacific Finance Auckland","description":"Find out exactly what to bring when applying for a personal loan with Pacific Finance. Proof of ID, address, income and other information.","keywords":null,"keyphrases":{"focus":{"keyphrase":"","score":0,"analysis":{"keyphraseInTitle":{"score":0,"maxScore":9,"error":1}}},"additional":[]},"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_custom_url":null,"og_image_custom_fields":null,"og_image_url":null,"og_image_width":null,"og_image_height":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_image_url":null,"twitter_title":null,"twitter_description":null,"schema_type":"default","schema_type_options":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"WebPage","isEnabled":true},"graphs":[]},"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"limit_modified_date":false,"ai":{"faqs":[],"keyPoints":[],"schemas":[],"titles":[],"descriptions":[],"socialPosts":{"email":{"subject":"","preview":"","content":""},"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"breadcrumb_settings":null,"seo_analyzer_scan_date":"2026-07-07 21:32:35","created":"2026-07-05 22:40:31","updated":"2026-07-07 22:05:28","reviewed_by":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\tWhat you need\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/cmcdeploytwo.co.nz\/pacific"},{"label":"What you need","link":"https:\/\/cmcdeploytwo.co.nz\/pacific\/what-you-need\/"}],"_links":{"self":[{"href":"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-json\/wp\/v2\/pages\/163","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-json\/wp\/v2\/comments?post=163"}],"version-history":[{"count":20,"href":"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-json\/wp\/v2\/pages\/163\/revisions"}],"predecessor-version":[{"id":441,"href":"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-json\/wp\/v2\/pages\/163\/revisions\/441"}],"wp:attachment":[{"href":"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-json\/wp\/v2\/media?parent=163"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}