{"id":199,"date":"2026-06-24T03:27:59","date_gmt":"2026-06-24T03:27:59","guid":{"rendered":"https:\/\/cmcdeploytwo.co.nz\/pacific\/?page_id=199"},"modified":"2026-07-08T09:32:12","modified_gmt":"2026-07-07T21:32:12","slug":"faqs","status":"publish","type":"page","link":"https:\/\/cmcdeploytwo.co.nz\/pacific\/faqs\/","title":{"rendered":"FAQs"},"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_1782268798811{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_1782270361908{padding-top: 80px !important;padding-bottom: 80px !important;}&#8221; color=&#8221;#00adee&#8221;]\n<h1>Your questions, answered<\/h1>\n<p>Here are the questions we hear most often. If yours isn&#8217;t here, just call us on <a href=\"tel:0800 744 227\">0800 744 227<\/a> or come into our Avondale office &#8211; we&#8217;re happy to help.[\/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;.vc_custom_1782270452032{margin-bottom: 40px !important;}&#8221; text_align=&#8221;left&#8221;]\n<h2>Getting a loan<\/h2>\n[\/vc_column_text]<style>.vcex-toggle-group.vcex_6a7276fef29ee .vcex-toggle{--vcex-border-color:#152456;}<\/style><div class=\"vcex-toggle-group vcex-toggle-group--w-borders vcex-module wpex-mx-auto vcex_6a7276fef29ee\" data-vcex-accordion=\"1\"><style>.vcex-toggle.vcex_6a7276fef2d95 .vcex-toggle__trigger{color:#00adee;}.vcex-toggle.vcex_6a7276fef2d95 .vcex-toggle__trigger:hover{color:#152456;}.vcex-toggle.vcex_6a7276fef2d95 .vcex-toggle__trigger[aria-expanded=\"true\"]{color:#152456;}.vcex-toggle.vcex_6a7276fef2d95 .vcex-toggle__heading{font-weight:700;}<\/style><div class=\"vcex-toggle vcex-module vcex_6a7276fef2d95\" data-animate=\"true\" data-duration=\"300\"><div class=\"vcex-toggle__heading\"><a href=\"#how-much-can-i-borrow\" class=\"vcex-toggle__trigger wpex-transition-colors wpex-flex wpex-items-center wpex-gap-10\" aria-expanded=\"false\" aria-controls=\"how-much-can-i-borrow\"><div class=\"vcex-toggle__icon wpex-flex wpex-items-center wpex-justify-center\" aria-hidden=\"true\"><div class=\"vcex-toggle__icon-open wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-open\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13h-6v6h-2v-6H5v-2h6V5h2v6h6v2z\"\/><\/svg><\/div><div class=\"vcex-toggle__icon-close wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-close\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13H5v-2h14v2z\"\/><\/svg><\/div><\/div><h3 class=\"vcex-toggle__title\">How much can I borrow?<\/h3><\/a><\/div><div id=\"how-much-can-i-borrow\" class=\"vcex-toggle__content wpex-clr wpex-last-mb-0 wpex-my-10\"><p>From $500 to $20,000, secured by your vehicle, property or chattels.<\/p>\n<\/div><\/div> <style>.vcex-toggle.vcex_6a7276fef3080 .vcex-toggle__trigger{color:#00adee;}.vcex-toggle.vcex_6a7276fef3080 .vcex-toggle__trigger:hover{color:#152456;}.vcex-toggle.vcex_6a7276fef3080 .vcex-toggle__trigger[aria-expanded=\"true\"]{color:#152456;}.vcex-toggle.vcex_6a7276fef3080 .vcex-toggle__heading{font-weight:700;}<\/style><div class=\"vcex-toggle vcex-module vcex_6a7276fef3080\" data-animate=\"true\" data-duration=\"300\"><div class=\"vcex-toggle__heading\"><a href=\"#how-long-can-i-borrow-money-for\" class=\"vcex-toggle__trigger wpex-transition-colors wpex-flex wpex-items-center wpex-gap-10\" aria-expanded=\"false\" aria-controls=\"how-long-can-i-borrow-money-for\"><div class=\"vcex-toggle__icon wpex-flex wpex-items-center wpex-justify-center\" aria-hidden=\"true\"><div class=\"vcex-toggle__icon-open wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-open\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13h-6v6h-2v-6H5v-2h6V5h2v6h6v2z\"\/><\/svg><\/div><div class=\"vcex-toggle__icon-close wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-close\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13H5v-2h14v2z\"\/><\/svg><\/div><\/div><h3 class=\"vcex-toggle__title\">How long can I borrow money for?<\/h3><\/a><\/div><div id=\"how-long-can-i-borrow-money-for\" class=\"vcex-toggle__content wpex-clr wpex-last-mb-0 wpex-my-10\"><p>Depending on the security you provide, loan terms range from three months to three years.<\/p>\n<\/div><\/div> <style>.vcex-toggle.vcex_6a7276fef31ee .vcex-toggle__trigger{color:#00adee;}.vcex-toggle.vcex_6a7276fef31ee .vcex-toggle__trigger:hover{color:#152456;}.vcex-toggle.vcex_6a7276fef31ee .vcex-toggle__trigger[aria-expanded=\"true\"]{color:#152456;}.vcex-toggle.vcex_6a7276fef31ee .vcex-toggle__heading{font-weight:700;}<\/style><div class=\"vcex-toggle vcex-module vcex_6a7276fef31ee\" data-animate=\"true\" data-duration=\"300\"><div class=\"vcex-toggle__heading\"><a href=\"#how-long-does-it-take-to-receive-the-funds\" class=\"vcex-toggle__trigger wpex-transition-colors wpex-flex wpex-items-center wpex-gap-10\" aria-expanded=\"false\" aria-controls=\"how-long-does-it-take-to-receive-the-funds\"><div class=\"vcex-toggle__icon wpex-flex wpex-items-center wpex-justify-center\" aria-hidden=\"true\"><div class=\"vcex-toggle__icon-open wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-open\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13h-6v6h-2v-6H5v-2h6V5h2v6h6v2z\"\/><\/svg><\/div><div class=\"vcex-toggle__icon-close wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-close\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13H5v-2h14v2z\"\/><\/svg><\/div><\/div><h3 class=\"vcex-toggle__title\">How long does it take to receive the funds?<\/h3><\/a><\/div><div id=\"how-long-does-it-take-to-receive-the-funds\" class=\"vcex-toggle__content wpex-clr wpex-last-mb-0 wpex-my-10\"><p>Once you&#8217;ve signed your loan documentation, we deposit funds straight into your bank account the same day.<\/p>\n<p><span class=\"wpex-text-sm\"><em>* Same-day deposit is dependent on your bank&#8217;s processes and cut-off times &#8211; we can&#8217;t guarantee funds will clear on the same day, but we do our part immediately.<\/em><\/span><\/p>\n<\/div><\/div> <style>.vcex-toggle.vcex_6a7276fef33c5 .vcex-toggle__trigger{color:#00adee;}.vcex-toggle.vcex_6a7276fef33c5 .vcex-toggle__trigger:hover{color:#152456;}.vcex-toggle.vcex_6a7276fef33c5 .vcex-toggle__trigger[aria-expanded=\"true\"]{color:#152456;}.vcex-toggle.vcex_6a7276fef33c5 .vcex-toggle__heading{font-weight:700;}<\/style><div class=\"vcex-toggle vcex-module vcex_6a7276fef33c5\" data-animate=\"true\" data-duration=\"300\"><div class=\"vcex-toggle__heading\"><a href=\"#can-i-get-cash\" class=\"vcex-toggle__trigger wpex-transition-colors wpex-flex wpex-items-center wpex-gap-10\" aria-expanded=\"false\" aria-controls=\"can-i-get-cash\"><div class=\"vcex-toggle__icon wpex-flex wpex-items-center wpex-justify-center\" aria-hidden=\"true\"><div class=\"vcex-toggle__icon-open wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-open\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13h-6v6h-2v-6H5v-2h6V5h2v6h6v2z\"\/><\/svg><\/div><div class=\"vcex-toggle__icon-close wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-close\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13H5v-2h14v2z\"\/><\/svg><\/div><\/div><h3 class=\"vcex-toggle__title\">Can I get cash?<\/h3><\/a><\/div><div id=\"can-i-get-cash\" class=\"vcex-toggle__content wpex-clr wpex-last-mb-0 wpex-my-10\"><p>For smaller loans, yes &#8211; we can pay you in cash. For larger loans, we&#8217;ll deposit funds directly into your bank account.<\/p>\n<p><span class=\"wpex-text-sm\"><em>* See same-day deposit note above.<\/em><\/span><\/p>\n<\/div><\/div><\/div>[\/vc_column][\/vc_row][vc_row css_animation=&#8221;none&#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_1782270684412{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\/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_1782271514672{margin-bottom: 40px !important;padding-top: 40px !important;}&#8221; text_align=&#8221;left&#8221; color=&#8221;#00adee&#8221;]\n<h2>Security<\/h2>\n[\/vc_column_text]<style>.vcex-toggle-group.vcex_6a7276fef3564 .vcex-toggle{--vcex-border-color:#152456;}<\/style><div class=\"vcex-toggle-group vcex-toggle-group--w-borders vcex-module wpex-mx-auto vcex_6a7276fef3564\" data-vcex-accordion=\"1\"><style>.vcex-toggle.vcex_6a7276fef3674 .vcex-toggle__trigger{color:#00adee;}.vcex-toggle.vcex_6a7276fef3674 .vcex-toggle__trigger:hover{color:#152456;}.vcex-toggle.vcex_6a7276fef3674 .vcex-toggle__trigger[aria-expanded=\"true\"]{color:#152456;}.vcex-toggle.vcex_6a7276fef3674 .vcex-toggle__heading{font-weight:700;}<\/style><div class=\"vcex-toggle vcex-module vcex_6a7276fef3674\" data-animate=\"true\" data-duration=\"300\"><div class=\"vcex-toggle__heading\"><a href=\"#what-can-i-use-as-security\" class=\"vcex-toggle__trigger wpex-transition-colors wpex-flex wpex-items-center wpex-gap-10\" aria-expanded=\"false\" aria-controls=\"what-can-i-use-as-security\"><div class=\"vcex-toggle__icon wpex-flex wpex-items-center wpex-justify-center\" aria-hidden=\"true\"><div class=\"vcex-toggle__icon-open wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-open\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13h-6v6h-2v-6H5v-2h6V5h2v6h6v2z\"\/><\/svg><\/div><div class=\"vcex-toggle__icon-close wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-close\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13H5v-2h14v2z\"\/><\/svg><\/div><\/div><h3 class=\"vcex-toggle__title\">What can I use as security?<\/h3><\/a><\/div><div id=\"what-can-i-use-as-security\" class=\"vcex-toggle__content wpex-clr wpex-last-mb-0 wpex-my-10\"><p>We accept a registered and warranted vehicle, property, or household goods (excluding essential whiteware like fridges and ovens) as security for a loan.<\/p>\n<\/div><\/div> <style>.vcex-toggle.vcex_6a7276fef37d0 .vcex-toggle__trigger{color:#00adee;}.vcex-toggle.vcex_6a7276fef37d0 .vcex-toggle__trigger:hover{color:#152456;}.vcex-toggle.vcex_6a7276fef37d0 .vcex-toggle__trigger[aria-expanded=\"true\"]{color:#152456;}.vcex-toggle.vcex_6a7276fef37d0 .vcex-toggle__heading{font-weight:700;}<\/style><div class=\"vcex-toggle vcex-module vcex_6a7276fef37d0\" data-animate=\"true\" data-duration=\"300\"><div class=\"vcex-toggle__heading\"><a href=\"#what-if-i-still-owe-money-on-my-security\" class=\"vcex-toggle__trigger wpex-transition-colors wpex-flex wpex-items-center wpex-gap-10\" aria-expanded=\"false\" aria-controls=\"what-if-i-still-owe-money-on-my-security\"><div class=\"vcex-toggle__icon wpex-flex wpex-items-center wpex-justify-center\" aria-hidden=\"true\"><div class=\"vcex-toggle__icon-open wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-open\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13h-6v6h-2v-6H5v-2h6V5h2v6h6v2z\"\/><\/svg><\/div><div class=\"vcex-toggle__icon-close wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-close\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13H5v-2h14v2z\"\/><\/svg><\/div><\/div><h3 class=\"vcex-toggle__title\">What if I still owe money on my security?<\/h3><\/a><\/div><div id=\"what-if-i-still-owe-money-on-my-security\" class=\"vcex-toggle__content wpex-clr wpex-last-mb-0 wpex-my-10\"><p>That&#8217;s fine &#8211; we consider each application individually. We can also pay out the outstanding debt on your security and consolidate it into your new loan, so you have one less payment to manage.<\/p>\n<\/div><\/div> <style>.vcex-toggle.vcex_6a7276fef3915 .vcex-toggle__trigger{color:#00adee;}.vcex-toggle.vcex_6a7276fef3915 .vcex-toggle__trigger:hover{color:#152456;}.vcex-toggle.vcex_6a7276fef3915 .vcex-toggle__trigger[aria-expanded=\"true\"]{color:#152456;}.vcex-toggle.vcex_6a7276fef3915 .vcex-toggle__heading{font-weight:700;}<\/style><div class=\"vcex-toggle vcex-module vcex_6a7276fef3915\" data-animate=\"true\" data-duration=\"300\"><div class=\"vcex-toggle__heading\"><a href=\"#what-if-i-dont-have-any-security-to-offer\" class=\"vcex-toggle__trigger wpex-transition-colors wpex-flex wpex-items-center wpex-gap-10\" aria-expanded=\"false\" aria-controls=\"what-if-i-dont-have-any-security-to-offer\"><div class=\"vcex-toggle__icon wpex-flex wpex-items-center wpex-justify-center\" aria-hidden=\"true\"><div class=\"vcex-toggle__icon-open wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-open\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13h-6v6h-2v-6H5v-2h6V5h2v6h6v2z\"\/><\/svg><\/div><div class=\"vcex-toggle__icon-close wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-close\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13H5v-2h14v2z\"\/><\/svg><\/div><\/div><h3 class=\"vcex-toggle__title\">What if I don't have any security to offer?<\/h3><\/a><\/div><div id=\"what-if-i-dont-have-any-security-to-offer\" class=\"vcex-toggle__content wpex-clr wpex-last-mb-0 wpex-my-10\"><p>We may need a co-borrower or guarantor who has suitable security to sign onto the loan with you. They&#8217;d have the same liability as the main borrower. Talk to our team and we&#8217;ll work through the options with you.<\/p>\n<\/div><\/div><\/div>[\/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;.vc_custom_1782270738529{margin-bottom: 40px !important;}&#8221; text_align=&#8221;left&#8221;]\n<h2>Repayments and costs<\/h2>\n[\/vc_column_text]<style>.vcex-toggle-group.vcex_6a7276fef3a86 .vcex-toggle{--vcex-border-color:#152456;}<\/style><div class=\"vcex-toggle-group vcex-toggle-group--w-borders vcex-module wpex-mx-auto vcex_6a7276fef3a86\" data-vcex-accordion=\"1\"><style>.vcex-toggle.vcex_6a7276fef3b87 .vcex-toggle__trigger{color:#00adee;}.vcex-toggle.vcex_6a7276fef3b87 .vcex-toggle__trigger:hover{color:#152456;}.vcex-toggle.vcex_6a7276fef3b87 .vcex-toggle__trigger[aria-expanded=\"true\"]{color:#152456;}.vcex-toggle.vcex_6a7276fef3b87 .vcex-toggle__heading{font-weight:700;}<\/style><div class=\"vcex-toggle vcex-module vcex_6a7276fef3b87\" data-animate=\"true\" data-duration=\"300\"><div class=\"vcex-toggle__heading\"><a href=\"#what-are-the-interest-rates-and-fees\" class=\"vcex-toggle__trigger wpex-transition-colors wpex-flex wpex-items-center wpex-gap-10\" aria-expanded=\"false\" aria-controls=\"what-are-the-interest-rates-and-fees\"><div class=\"vcex-toggle__icon wpex-flex wpex-items-center wpex-justify-center\" aria-hidden=\"true\"><div class=\"vcex-toggle__icon-open wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-open\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13h-6v6h-2v-6H5v-2h6V5h2v6h6v2z\"\/><\/svg><\/div><div class=\"vcex-toggle__icon-close wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-close\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13H5v-2h14v2z\"\/><\/svg><\/div><\/div><h3 class=\"vcex-toggle__title\">What are the interest rates and fees?<\/h3><\/a><\/div><div id=\"what-are-the-interest-rates-and-fees\" class=\"vcex-toggle__content wpex-clr wpex-last-mb-0 wpex-my-10\"><p>Our standard interest rate is 29.5% per annum. For full details of all rates and fees, download our schedule below.<\/p>\n<p><a href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Rates-Fees-as-at-Aug-2024-1.pdf\" target=\"_blank\" rel=\"noopener\"><strong>Download our Schedule of Rates &amp; Fees (PDF)<\/strong><\/a><\/p>\n<\/div><\/div> <style>.vcex-toggle.vcex_6a7276fef3d13 .vcex-toggle__trigger{color:#00adee;}.vcex-toggle.vcex_6a7276fef3d13 .vcex-toggle__trigger:hover{color:#152456;}.vcex-toggle.vcex_6a7276fef3d13 .vcex-toggle__trigger[aria-expanded=\"true\"]{color:#152456;}.vcex-toggle.vcex_6a7276fef3d13 .vcex-toggle__heading{font-weight:700;}<\/style><div class=\"vcex-toggle vcex-module vcex_6a7276fef3d13\" data-animate=\"true\" data-duration=\"300\"><div class=\"vcex-toggle__heading\"><a href=\"#how-do-i-make-repayments\" class=\"vcex-toggle__trigger wpex-transition-colors wpex-flex wpex-items-center wpex-gap-10\" aria-expanded=\"false\" aria-controls=\"how-do-i-make-repayments\"><div class=\"vcex-toggle__icon wpex-flex wpex-items-center wpex-justify-center\" aria-hidden=\"true\"><div class=\"vcex-toggle__icon-open wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-open\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13h-6v6h-2v-6H5v-2h6V5h2v6h6v2z\"\/><\/svg><\/div><div class=\"vcex-toggle__icon-close wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-close\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13H5v-2h14v2z\"\/><\/svg><\/div><\/div><h3 class=\"vcex-toggle__title\">How do I make repayments?<\/h3><\/a><\/div><div id=\"how-do-i-make-repayments\" class=\"vcex-toggle__content wpex-clr wpex-last-mb-0 wpex-my-10\"><p>At the time of signing your loan contract, we&#8217;ll set you up with an automatic payment or direct debit whichever you prefer. You can also make cash payments directly at our office, or pay into our bank account on or before your due date.<\/p>\n<p><span class=\"wpex-text-sm\"><em>* Bank account details depend on which branch your loan was obtained from. Contact us for the correct details.<\/em><\/span><\/p>\n<\/div><\/div> <style>.vcex-toggle.vcex_6a7276fef3e9d .vcex-toggle__trigger{color:#00adee;}.vcex-toggle.vcex_6a7276fef3e9d .vcex-toggle__trigger:hover{color:#152456;}.vcex-toggle.vcex_6a7276fef3e9d .vcex-toggle__trigger[aria-expanded=\"true\"]{color:#152456;}.vcex-toggle.vcex_6a7276fef3e9d .vcex-toggle__heading{font-weight:700;}<\/style><div class=\"vcex-toggle vcex-module vcex_6a7276fef3e9d\" data-animate=\"true\" data-duration=\"300\"><div class=\"vcex-toggle__heading\"><a href=\"#what-happens-if-i-miss-a-payment\" class=\"vcex-toggle__trigger wpex-transition-colors wpex-flex wpex-items-center wpex-gap-10\" aria-expanded=\"false\" aria-controls=\"what-happens-if-i-miss-a-payment\"><div class=\"vcex-toggle__icon wpex-flex wpex-items-center wpex-justify-center\" aria-hidden=\"true\"><div class=\"vcex-toggle__icon-open wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-open\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13h-6v6h-2v-6H5v-2h6V5h2v6h6v2z\"\/><\/svg><\/div><div class=\"vcex-toggle__icon-close wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-close\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13H5v-2h14v2z\"\/><\/svg><\/div><\/div><h3 class=\"vcex-toggle__title\">What happens if I miss a payment?<\/h3><\/a><\/div><div id=\"what-happens-if-i-miss-a-payment\" class=\"vcex-toggle__content wpex-clr wpex-last-mb-0 wpex-my-10\"><p>Contact us as soon as you can. Our team will work with you to sort things out quickly and get you back on track. The sooner you reach out, the more options we have to help.<\/p>\n<\/div><\/div> <style>.vcex-toggle.vcex_6a7276fef3fe7 .vcex-toggle__trigger{color:#00adee;}.vcex-toggle.vcex_6a7276fef3fe7 .vcex-toggle__trigger:hover{color:#152456;}.vcex-toggle.vcex_6a7276fef3fe7 .vcex-toggle__trigger[aria-expanded=\"true\"]{color:#152456;}.vcex-toggle.vcex_6a7276fef3fe7 .vcex-toggle__heading{font-weight:700;}<\/style><div class=\"vcex-toggle vcex-module vcex_6a7276fef3fe7\" data-animate=\"true\" data-duration=\"300\"><div class=\"vcex-toggle__heading\"><a href=\"#do-you-offer-repayment-insurance\" class=\"vcex-toggle__trigger wpex-transition-colors wpex-flex wpex-items-center wpex-gap-10\" aria-expanded=\"false\" aria-controls=\"do-you-offer-repayment-insurance\"><div class=\"vcex-toggle__icon wpex-flex wpex-items-center wpex-justify-center\" aria-hidden=\"true\"><div class=\"vcex-toggle__icon-open wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-open\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13h-6v6h-2v-6H5v-2h6V5h2v6h6v2z\"\/><\/svg><\/div><div class=\"vcex-toggle__icon-close wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-close\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13H5v-2h14v2z\"\/><\/svg><\/div><\/div><h3 class=\"vcex-toggle__title\">Do you offer repayment insurance?<\/h3><\/a><\/div><div id=\"do-you-offer-repayment-insurance\" class=\"vcex-toggle__content wpex-clr wpex-last-mb-0 wpex-my-10\"><p>Yes. We have a couple of insurance options to cover you if you can&#8217;t make repayments due to sickness, disablement, redundancy or death. We&#8217;ll talk you through what&#8217;s available and what fits your situation when we&#8217;re working through your application.<\/p>\n<\/div><\/div><\/div>[\/vc_column][\/vc_row][vc_row css_animation=&#8221;none&#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_1782271541134{margin-bottom: 0px !important;padding-top: 50px !important;padding-bottom: 50px !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_1782270878358{margin-bottom: 40px !important;}&#8221; text_align=&#8221;left&#8221; color=&#8221;#00adee&#8221;]\n<h2>Debt consolidation and existing loans<\/h2>\n[\/vc_column_text]<style>.vcex-toggle-group.vcex_6a7276fef4144 .vcex-toggle{--vcex-border-color:#152456;}<\/style><div class=\"vcex-toggle-group vcex-toggle-group--w-borders vcex-module wpex-mx-auto vcex_6a7276fef4144\" data-vcex-accordion=\"1\"><style>.vcex-toggle.vcex_6a7276fef423e .vcex-toggle__trigger{color:#00adee;}.vcex-toggle.vcex_6a7276fef423e .vcex-toggle__trigger:hover{color:#152456;}.vcex-toggle.vcex_6a7276fef423e .vcex-toggle__trigger[aria-expanded=\"true\"]{color:#152456;}.vcex-toggle.vcex_6a7276fef423e .vcex-toggle__heading{font-weight:700;}<\/style><div class=\"vcex-toggle vcex-module vcex_6a7276fef423e\" data-animate=\"true\" data-duration=\"300\"><div class=\"vcex-toggle__heading\"><a href=\"#can-i-consolidate-all-my-debts-with-pacific-finance\" class=\"vcex-toggle__trigger wpex-transition-colors wpex-flex wpex-items-center wpex-gap-10\" aria-expanded=\"false\" aria-controls=\"can-i-consolidate-all-my-debts-with-pacific-finance\"><div class=\"vcex-toggle__icon wpex-flex wpex-items-center wpex-justify-center\" aria-hidden=\"true\"><div class=\"vcex-toggle__icon-open wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-open\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13h-6v6h-2v-6H5v-2h6V5h2v6h6v2z\"\/><\/svg><\/div><div class=\"vcex-toggle__icon-close wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-close\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13H5v-2h14v2z\"\/><\/svg><\/div><\/div><h3 class=\"vcex-toggle__title\">Can I consolidate all my debts with Pacific Finance?<\/h3><\/a><\/div><div id=\"can-i-consolidate-all-my-debts-with-pacific-finance\" class=\"vcex-toggle__content wpex-clr wpex-last-mb-0 wpex-my-10\"><p>Yes &#8211; up to $20,000. We repay your other debt providers directly, so you don&#8217;t have to worry about it. Anything left over comes to you. We&#8217;re big fans of this option because it means fewer bills and an easier budget to manage.<\/p>\n<\/div><\/div> <style>.vcex-toggle.vcex_6a7276ff00160 .vcex-toggle__trigger{color:#00adee;}.vcex-toggle.vcex_6a7276ff00160 .vcex-toggle__trigger:hover{color:#152456;}.vcex-toggle.vcex_6a7276ff00160 .vcex-toggle__trigger[aria-expanded=\"true\"]{color:#152456;}.vcex-toggle.vcex_6a7276ff00160 .vcex-toggle__heading{font-weight:700;}<\/style><div class=\"vcex-toggle vcex-module vcex_6a7276ff00160\" data-animate=\"true\" data-duration=\"300\"><div class=\"vcex-toggle__heading\"><a href=\"#can-i-apply-if-i-already-have-a-loan-with-pacific-finance\" class=\"vcex-toggle__trigger wpex-transition-colors wpex-flex wpex-items-center wpex-gap-10\" aria-expanded=\"false\" aria-controls=\"can-i-apply-if-i-already-have-a-loan-with-pacific-finance\"><div class=\"vcex-toggle__icon wpex-flex wpex-items-center wpex-justify-center\" aria-hidden=\"true\"><div class=\"vcex-toggle__icon-open wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-open\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13h-6v6h-2v-6H5v-2h6V5h2v6h6v2z\"\/><\/svg><\/div><div class=\"vcex-toggle__icon-close wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-close\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13H5v-2h14v2z\"\/><\/svg><\/div><\/div><h3 class=\"vcex-toggle__title\">Can I apply if I already have a loan with Pacific Finance?<\/h3><\/a><\/div><div id=\"can-i-apply-if-i-already-have-a-loan-with-pacific-finance\" class=\"vcex-toggle__content wpex-clr wpex-last-mb-0 wpex-my-10\"><p>Absolutely. We can top up your existing loan by adding the new amount you want to borrow\u00a0 so you&#8217;ll have just one repayment to manage. Easy.<\/p>\n<\/div><\/div><\/div>[\/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;.vc_custom_1782270927752{margin-bottom: 40px !important;}&#8221; text_align=&#8221;left&#8221;]\n<h2>Credit history and eligibility<\/h2>\n[\/vc_column_text]<style>.vcex-toggle-group.vcex_6a7276ff002b3 .vcex-toggle{--vcex-border-color:#152456;}<\/style><div class=\"vcex-toggle-group vcex-toggle-group--w-borders vcex-module wpex-mx-auto vcex_6a7276ff002b3\" data-vcex-accordion=\"1\"><style>.vcex-toggle.vcex_6a7276ff003b2 .vcex-toggle__trigger{color:#00adee;}.vcex-toggle.vcex_6a7276ff003b2 .vcex-toggle__trigger:hover{color:#152456;}.vcex-toggle.vcex_6a7276ff003b2 .vcex-toggle__trigger[aria-expanded=\"true\"]{color:#152456;}.vcex-toggle.vcex_6a7276ff003b2 .vcex-toggle__heading{font-weight:700;}<\/style><div class=\"vcex-toggle vcex-module vcex_6a7276ff003b2\" data-animate=\"true\" data-duration=\"300\"><div class=\"vcex-toggle__heading\"><a href=\"#do-you-lend-to-people-with-bad-credit\" class=\"vcex-toggle__trigger wpex-transition-colors wpex-flex wpex-items-center wpex-gap-10\" aria-expanded=\"false\" aria-controls=\"do-you-lend-to-people-with-bad-credit\"><div class=\"vcex-toggle__icon wpex-flex wpex-items-center wpex-justify-center\" aria-hidden=\"true\"><div class=\"vcex-toggle__icon-open wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-open\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13h-6v6h-2v-6H5v-2h6V5h2v6h6v2z\"\/><\/svg><\/div><div class=\"vcex-toggle__icon-close wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-close\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13H5v-2h14v2z\"\/><\/svg><\/div><\/div><h3 class=\"vcex-toggle__title\">Do you lend to people with bad credit?<\/h3><\/a><\/div><div id=\"do-you-lend-to-people-with-bad-credit\" class=\"vcex-toggle__content wpex-clr wpex-last-mb-0 wpex-my-10\"><p>We know that sometimes life happens &#8211; we don&#8217;t judge. At Pacific Finance we look at your record of paying back previous loans. 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 help.<\/p>\n<\/div><\/div> <style>.vcex-toggle.vcex_6a7276ff004fd .vcex-toggle__trigger{color:#00adee;}.vcex-toggle.vcex_6a7276ff004fd .vcex-toggle__trigger:hover{color:#152456;}.vcex-toggle.vcex_6a7276ff004fd .vcex-toggle__trigger[aria-expanded=\"true\"]{color:#152456;}.vcex-toggle.vcex_6a7276ff004fd .vcex-toggle__heading{font-weight:700;}<\/style><div class=\"vcex-toggle vcex-module vcex_6a7276ff004fd\" data-animate=\"true\" data-duration=\"300\"><div class=\"vcex-toggle__heading\"><a href=\"#do-you-lend-to-people-on-a-benefit\" class=\"vcex-toggle__trigger wpex-transition-colors wpex-flex wpex-items-center wpex-gap-10\" aria-expanded=\"false\" aria-controls=\"do-you-lend-to-people-on-a-benefit\"><div class=\"vcex-toggle__icon wpex-flex wpex-items-center wpex-justify-center\" aria-hidden=\"true\"><div class=\"vcex-toggle__icon-open wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-open\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13h-6v6h-2v-6H5v-2h6V5h2v6h6v2z\"\/><\/svg><\/div><div class=\"vcex-toggle__icon-close wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-close\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13H5v-2h14v2z\"\/><\/svg><\/div><\/div><h3 class=\"vcex-toggle__title\">Do you lend to people on a benefit?<\/h3><\/a><\/div><div id=\"do-you-lend-to-people-on-a-benefit\" class=\"vcex-toggle__content wpex-clr wpex-last-mb-0 wpex-my-10\"><p>We assess each application based on the individual. If you meet our lending criteria and conditions, yes we will lend to you.<\/p>\n<\/div><\/div><\/div>[\/vc_column][\/vc_row][vc_row css_animation=&#8221;none&#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_1782271556853{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_position=&#8221;bottom center&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1782270994501{margin-bottom: 40px !important;}&#8221; text_align=&#8221;left&#8221; color=&#8221;#00adee&#8221;]\n<h2>Applying<\/h2>\n[\/vc_column_text]<style>.vcex-toggle-group.vcex_6a7276ff00649 .vcex-toggle{--vcex-border-color:#152456;}<\/style><div class=\"vcex-toggle-group vcex-toggle-group--w-borders vcex-module wpex-mx-auto vc_custom_1782271563410 vcex_6a7276ff00649\" data-vcex-accordion=\"1\"><style>.vcex-toggle.vcex_6a7276ff0074e .vcex-toggle__trigger{color:#00adee;}.vcex-toggle.vcex_6a7276ff0074e .vcex-toggle__trigger:hover{color:#152456;}.vcex-toggle.vcex_6a7276ff0074e .vcex-toggle__trigger[aria-expanded=\"true\"]{color:#152456;}.vcex-toggle.vcex_6a7276ff0074e .vcex-toggle__heading{font-weight:700;}<\/style><div class=\"vcex-toggle vcex-module vcex_6a7276ff0074e\" data-animate=\"true\" data-duration=\"300\"><div class=\"vcex-toggle__heading\"><a href=\"#do-i-need-an-appointment\" class=\"vcex-toggle__trigger wpex-transition-colors wpex-flex wpex-items-center wpex-gap-10\" aria-expanded=\"false\" aria-controls=\"do-i-need-an-appointment\"><div class=\"vcex-toggle__icon wpex-flex wpex-items-center wpex-justify-center\" aria-hidden=\"true\"><div class=\"vcex-toggle__icon-open wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-open\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13h-6v6h-2v-6H5v-2h6V5h2v6h6v2z\"\/><\/svg><\/div><div class=\"vcex-toggle__icon-close wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-close\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13H5v-2h14v2z\"\/><\/svg><\/div><\/div><h3 class=\"vcex-toggle__title\">Do I need an appointment?<\/h3><\/a><\/div><div id=\"do-i-need-an-appointment\" class=\"vcex-toggle__content wpex-clr wpex-last-mb-0 wpex-my-10\"><p>Not at all. Just come into our branch between 9am and 5pm, Monday to Friday. If you only have a short window &#8211; like a lunch break &#8211; you&#8217;re welcome to contact us to book a time and we&#8217;ll make sure someone&#8217;s ready for you. You can also apply online anytime.<\/p>\n<\/div><\/div> <style>.vcex-toggle.vcex_6a7276ff0089b .vcex-toggle__trigger{color:#00adee;}.vcex-toggle.vcex_6a7276ff0089b .vcex-toggle__trigger:hover{color:#152456;}.vcex-toggle.vcex_6a7276ff0089b .vcex-toggle__trigger[aria-expanded=\"true\"]{color:#152456;}.vcex-toggle.vcex_6a7276ff0089b .vcex-toggle__heading{font-weight:700;}<\/style><div class=\"vcex-toggle vcex-module vcex_6a7276ff0089b\" data-animate=\"true\" data-duration=\"300\"><div class=\"vcex-toggle__heading\"><a href=\"#how-does-the-online-application-work\" class=\"vcex-toggle__trigger wpex-transition-colors wpex-flex wpex-items-center wpex-gap-10\" aria-expanded=\"false\" aria-controls=\"how-does-the-online-application-work\"><div class=\"vcex-toggle__icon wpex-flex wpex-items-center wpex-justify-center\" aria-hidden=\"true\"><div class=\"vcex-toggle__icon-open wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-open\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13h-6v6h-2v-6H5v-2h6V5h2v6h6v2z\"\/><\/svg><\/div><div class=\"vcex-toggle__icon-close wpex-flex wpex-flex-col wpex-items-center\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"1.5em\" viewBox=\"0 0 24 24\" width=\"1.5em\" fill=\"currentColor\" class=\"vcex-toggle__icon-close\"><path d=\"M0 0h24v24H0V0z\" fill=\"none\"\/><path d=\"M19 13H5v-2h14v2z\"\/><\/svg><\/div><\/div><h3 class=\"vcex-toggle__title\">How does the online application work?<\/h3><\/a><\/div><div id=\"how-does-the-online-application-work\" class=\"vcex-toggle__content wpex-clr wpex-last-mb-0 wpex-my-10\"><p>Apply through our website and we&#8217;ll process your application. Once approved, we&#8217;ll be in touch to let you know when your loan contract is ready to sign. We make every effort to save your time.<\/p>\n<\/div><\/div><\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1782271586553{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 50px !important;padding-bottom: 50px !important;background-position: 0 0 !important;background-repeat: repeat-x !important;}&#8221; wpex_bg_position=&#8221;bottom center&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1782271104855{padding-bottom: 40px !important;}&#8221; width=&#8221;90%&#8221; text_align=&#8221;center&#8221;]\n<h2>Still have a question?<\/h2>\n<p>Call us on 0800 744 227, send us a message or come into our Avondale office. Our team is always happy to help &#8211; no question is too small.[\/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_6a7276ff00af7 .vcex-image-inner{max-width:150px;}<\/style><figure class=\"vcex-image vcex-module wpex-text-center vcex_6a7276ff00af7\"><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_6a7276ff0193f .vcex-image-inner{max-width:150px;}<\/style><figure class=\"vcex-image vcex-module wpex-text-center vcex_6a7276ff0193f\"><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_6a7276ff01e86 .vcex-image-inner{max-width:150px;}<\/style><figure class=\"vcex-image vcex-module wpex-text-center vcex_6a7276ff01e86\"><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&#8221; equal_height=&#8221;yes&#8221; remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1782271655971{margin-bottom: 50px !important;padding-top: 50px !important;padding-bottom: 50px !important;}&#8221; wpex_bg_color=&#8221;#cce5f5&#8243;][vc_column width=&#8221;1\/4&#8243;][vc_column_text css=&#8221;.vc_custom_1782259685535{padding-top: 20px !important;padding-bottom: 20px !important;}&#8221; text_align=&#8221;center&#8221; width=&#8221;90%&#8221;]\n<h3>WHAT YOU NEED TO APPLY<\/h3>\n<p>Because we&#8217;re committed to responsible lending, we need to know our customers properly before we can help them.[\/vc_column_text]<div class=\"theme-button-wrap textcenter wpex-clr\"><a href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/what-you-need\/\" 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\">Find Out More<\/span><\/a><\/div> [\/vc_column][vc_column css_animation=&#8221;slideInDown&#8221; width=&#8221;1\/4&#8243;][vc_column_text css=&#8221;.vc_custom_1782265171846{padding-top: 20px !important;padding-bottom: 20px !important;}&#8221; text_align=&#8221;center&#8221; width=&#8221;90%&#8221;]\n<h3>RATES AND FEES<\/h3>\n<p>Pacific Finance is upfront about loan costs. Find out about interest rates, fees and repayment terms.[\/vc_column_text]<div class=\"theme-button-wrap textcenter wpex-clr\"><a href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/personal-loan-rates-fees\/\" 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\">Find Out More<\/span><\/a><\/div> <div class=\"vcex-column-side-border vcex-column-side-border--left wpex-hidden wpex-md-block wpex-absolute wpex-left-0 wpex-w-1px wpex-surface-4 wpex-top-50 wpex-max-h-100 -wpex-translate-xy-50 vcex-left\" style=\"background:#152456;\"><\/div>[\/vc_column][vc_column css_animation=&#8221;slideInUp&#8221; width=&#8221;1\/4&#8243;][vc_column_text css=&#8221;.vc_custom_1782271290543{padding-top: 20px !important;padding-bottom: 20px !important;}&#8221; text_align=&#8221;center&#8221; width=&#8221;90%&#8221;]\n<h3>APPLICATION PROCESS<\/h3>\n<p>Our personal loan application process &#8211; simple steps, no surprises.[\/vc_column_text]<div class=\"theme-button-wrap textcenter wpex-clr\"><a href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/loan-application-process-auckland\/\" 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\">Find Out More<\/span><\/a><\/div> <div class=\"vcex-column-side-border vcex-column-side-border--left wpex-hidden wpex-md-block wpex-absolute wpex-left-0 wpex-w-1px wpex-surface-4 wpex-top-50 wpex-max-h-100 -wpex-translate-xy-50 vcex-left\" style=\"background:#152456;\"><\/div>[\/vc_column][vc_column css_animation=&#8221;slideInRight&#8221; width=&#8221;1\/4&#8243;][vc_column_text css=&#8221;.vc_custom_1782271493077{padding-top: 20px !important;padding-bottom: 20px !important;}&#8221; text_align=&#8221;center&#8221; width=&#8221;90%&#8221;]\n<h3>HARDSHIP SUPPORT<\/h3>\n<p>We understand that sometimes unexpected life events can make it difficult to keep up with loan repayments.[\/vc_column_text]<div class=\"theme-button-wrap textcenter wpex-clr\"><a href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/financial-hardship-support\/\" 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\">Find Out More<\/span><\/a><\/div> <div class=\"vcex-column-side-border vcex-column-side-border--left wpex-hidden wpex-md-block wpex-absolute wpex-left-0 wpex-w-1px wpex-surface-4 wpex-top-50 wpex-max-h-100 -wpex-translate-xy-50 vcex-left\" style=\"background:#152456;\"><\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=&#8221;&#8221; text_align=&#8221;center&#8221;]<em>Responsible lending criteria, fees, terms and conditions apply. Same-day deposit is subject to your bank&#8217;s processing times.<\/em>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1782343178022{margin-bottom: 0px !important;}&#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_5.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_5.webp 2400w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Footer_5-300x108.webp 300w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Footer_5-1024x367.webp 1024w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Footer_5-768x276.webp 768w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Footer_5-1536x551.webp 1536w, https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/Footer_5-2048x735.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_1782268798811{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_1782270361908{padding-top: 80px !important;padding-bottom: 80px !important;}&#8221; color=&#8221;#00adee&#8221;] Your questions, answered Here are the questions we hear most often. If yours isn&#8217;t here, just call us on 0800 744 227 or come into our Avondale office &#8211; we&#8217;re&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-199","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=\"Got questions about personal loans? 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