Giving back to your community
About us

Kaupapa

Money Sweetspot isn’t just another finance company here to make money. We’re backed by some awesome charities, and we’re here to make YOU better off!

We believe in supporting Kiwi who are committed to getting out of debt. We believe that Kiwi who make that commitment deserve support and rewards, not unfair interest rates and the threat of harsh penalties.

Life can be unpredictable and fragile, but with the right financial options every New Zealander can still find their Sweetspot: a place where people, families and communities can move through debt, rather than be defined by it. A place where you are in charge.

What we do

Money Sweetspot provides financial reset debt consolidation loans to help you take charge of your financial life, reduce debts and get on with living.

Our debt consolidation loans create a new chapter in your financial life at an interest rate that may be lower than you're currently paying. That means less money spent on interest and more on paying down  debts.

Money Sweetspot is much more than just a loan, though. You'll will earn Sweet rewards for learning about money. And by paying on time and avoiding further debt you'll get to donate to causes you care about.

The points turn into extra money off your loan or into your savings account . You'll also earn $100 each year to donate to the charity of your choice through Good Registry. This means your commitment and action to your financial reset helps you and helps the community!

That’s better for everyone. You pay off your loan more quickly, and we can then re-lend this money to other Kiwi looking to save money, get out of debt, and get on with their life.

Spotty waving

Can we help you?

We are a relatively new finance company that launched in December 2022.

If you are a New Zealand Citizen or Resident that has a regular source of income and between $2,000 and $40,000 of debt we may be able to help. You'll need to be:

  • Motivated to repay your debt and get on with your life, perhaps you have a dream or a goal you want to achieve?
  • Already working hard on your finances and committed to your financial reset
  • Generally able to keep on top of your bills (but wish things were a bit easier!)

Don't worry, we know that life can be unpredictable so we don't expect you to be perfect. It’s OK if you have missed a few payments on your bills or loans.

Who we are

Sasha Lockley
Co-Founder and CEO

Sasha’s Sweetspot is making sure that we stay aligned with our mission, and partner with investors, funders, and the community in delivering positive impact and financial systems change.

Meurig (Rig) Chapman
Co-Founder and CRO

Rig’s Sweetspot is keeping our business and customers safe by making sure that we make good lending decisions that are underpinned by sound principles and data.

Sharnee Warbrick
Head of Customer Operations

Sharnee’s Sweetspot is making sure that we support our people so that they can deliver on our promises to our customers.

James Stewart
Director

James’s Sweetspot is supporting social enterprises, impact investments and not-for-profit agencies to unlock opportunities from a commercial and impact perspective.

Leticia New
Lending and Customer Specialist

Leticia's Sweetspot is making sure that applying for our financial reset is a great experience for people by listening to their situation and explaining our decisions every step of the way.

Jarrod Chiplin
Lending and Customer Co-ordinator

Jarrod’s sweetspot is working alongside our customers to ensure they feel supported throughout their loan journey.

Our network

Christian Savings

Christian Savings is New Zealand’s only charitable non-bank deposit taker aimed at empowering churches and charities to thrive. They provide Kiwis with an impact investment option that enables them to be good stewards of their finances. Christian Savings invested in Money Sweetspot because they are passionate about creating a more fair, equitable and effective finance sector.

Anglican Care Waiapu

Anglican Care Waiapu (ACW) is the social services arm of the Anglican Diocese of Waiapu. ACW runs its own community services and programmes in Bay of Plenty, Tairāwhiti, and Hawke’s Bay. It’s also passionate about deploying its capital for wider social impact through partnerships and investments with change makers like Money Sweetspot. ACW invests with Money Sweetspot because it’s changing the traditional approach to lending to one that is human-centred and ultimately empowering for individuals and communities.

The Tindall Foundation

The Tindall Foundation is a private philanthropic family foundation working throughout Aotearoa New Zealand. The foundation is helping to build a stronger, sustainable and more equitable Aotearoa so that families, communities and our environment can thrive now and in the future. Debt can be a significant barrier to Kiwis being able to achieve their full potential, which is why the Tindall Foundation has invested in Money Sweetspot, which provides an impact focussed lending solution for Kiwis.

Our partners

BNZ

As part of its sustainability strategy, Te Pae Tawhiti, BNZ has an ambition to grow the long-term social, cultural and financial wellbeing of all New Zealanders. One of the ways BNZ supports this ambition is through community partners who can provide New Zealanders on limited incomes a pathway to affordable and sustainable borrowing. BNZ has four Community Finance partnerships focused on low and no interest lending and solutions for unmanageable debt.

Debt Fix

Debtfix is a one-stop-shop providing advice and debt solutions as well as a single point of access to other essential support services in New Zealand. They help all sorts of people (including business owners and the self-employed) with varying levels of personal debt no matter how complex. They work in conjunction with the nationwide network of financial mentors.

Good Shepherd

Good Shepherd NZ is a not-for-profit centred around improving long term financial wellbeing. Its Good Loans programme offers no interest loans up to $7,000 to help people living on limited incomes access an essential item or service; without the risks of high-interest and unmanageable debt. Good Shepherd NZ also has a free debt programme, DEBTsolve, that supports people to take back control of their unmanageable debt through coaching, advocacy, and a potential no interest Good Loan up to $15,000. Good Shepherd NZ can also support people with the financial and economic impacts of family violence through its Economic Harm Support Service.

Ngā Tāngata microfinance

Ngā Tāngata Microfinance (NTMT) is a charitable trust focused on helping financially vulnerable New Zealanders by offering fairer, kinder little loans. All loans are interest-free, fee-free, and available to low-income whānau. They offer three types of loans: Get Control Loan, up to $3,000 to pay an unmanageable debt; Get Ahead Loan, up to $2,000 to buy essential items; and Get Set which is a combination of Get Control and Get Ahead. They also offer the “My Money Kete”, a practical online toolkit with free tips and resources to assist you in getting ahead with money. Working with the financial mentor community, NTMT will help you get through a tight spot.

The Good Registry

At The Good Registry, everyone can do good. With their Good Gift Cards, recipients can donate to any of The Good Registry’s 65 partner charities. With one gift card, you can donate to one charity, or donate to many. It’s the gift with a small footprint and a big heart. Thegoodregistry.com

Our Advisory Board

Dr Pushpa Wood ONZM
Financial wellness

Dr Pushpa Wood ONZM has a long history of financial capability advocacy. She is Director at the NZ Centre for Financial Education and Research (Fin-Ed), Massey University. Pushpa was the first person in New Zealand to be appointed as an ONZM in 2016, for her services to financial literacy and interfaith relations. Her passion includes identifying trigger points that motivate people to change their financial behaviour, preparedness of women in planning for their future and testing culturally appropriate evaluation tools.

Dawie Olivier
Technology and customer strategy

Dawie is an experienced leader of large-scale change in enterprises, creating product-managed, customer-led companies through the power of culture, people, and technology. He most recently led the design and adoption of new operating models, structures and working methods across multiple teams and services for the Westpac Group. Dawie is the current Chief Technology and operations Officer at Jarden.

Cain Kerehoma
The aroha economy and innovation

Cain is passionate about inspiring indigenous community development through culturally empowering solutions. Cain played a key part in the establishment of Tāiki E!, Tairāwhiti's first Impact House that is building capability and empowering a courageous community of change. He has held roles with the Ministry of Education, Kāhui Tautoko Consulting and the Ākina Foundation.

Frances Ronowicz
Advisor

In her 20 years’ in consumer finance, Frances has developed a fierce determination to improve the financial wellbeing of all New Zealanders - particularly those who may be taken advantage of by predatory lenders and others perpetrating economic harm.  

Frances believes financial wellbeing for a community requires an eco-system including a focus on financial capability so people can make good choices; well-formed and enforced legislation; and access to appropriate and affordable products.

As BNZ’s Head of Social Impact, Frances leads a range of workstreams focused on financial inclusion and community finance initiatives.

Colart Miles
Advisor

With a distinguished career as a leader, coach, and consultant, Colart brings a wealth of experience and expertise to the table. He has a solid track record of delivering outcomes and transforming organizations through innovative and accelerated delivery practices such as Agile, Kanban, and Lean.

Colart's unique ability to foster high-performance cultures and inspire sustainable innovation makes him a valuable asset to our team. His specialties in Business Agility Consulting, Enterprise Agile Coaching, Innovations and Ventures, and Complex Product Development are sure to bring new perspectives and drive results. We are confident that Colart's blend of experience, knowledge, and personality will make him a valuable member of our advisory board.

News spot

News
Ethical lender Money Sweetspot takes aim at “Afterpay Day” campaign
March 18, 2024
Sasha Lockley, co-founder and CEO of ethical debt consolidation provider Money Sweetspot says the deals are more likely to seize you – and not let go.
News
Who wins with the political ping pong on lending regulations?
January 31, 2024
Commerce Minister Andrew Bayly announced plans to reduce barriers for financial service providers. But who benefits from this?
News
A funder with Soul: Welcome Te Pai ki te Rangi
January 25, 2024
Soul Capital join the Team Spotty with $1m of funding to provide financial resets to Māori and Pasifika whānau in Auckland and Northland.
Customer
By the numbers: One man’s struggle to get out of debt
January 15, 2024
Shame remains a powerful force when it comes to money worries. Our customer, who started the year free of crippling debt has shared details of his success.
Lending
Socially conscious lender CEO calls out irresponsible lending
January 9, 2024
Sasha was interviewed by The Post about her reflections on 2023 and what she wishes would change in 2024.
Money & You
Lenders love topping up your loan. And we don't.
December 6, 2023
A loan top up can feel like an easy way to get extra cash. But does it really help you?

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Money Sweetspot provides financial reset debt consolidation loans to help you take charge of your financial life, reduce debts and get on with living.

You are protected by responsible lending laws. Because of these protections, the recommendations given to you about our loan products are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed. Responsible lending criteria, rates, fees and contract terms apply. For more information visit useful information.

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