Spotty on a laptop

Let's get your application underway!

We want to make sure that our loan is the right solution for you so take time to review the information that you have shared with us and talk to you about your situation.

This includes looking at the amount you have asked to borrow, your income and expenses, existing debts, bank transaction information and your credit report.

We explain our process each step of the way, including our decision. If we decline your application we'll also explain why and offer to refer you to one of our partners who may be able to support you.

Get in touch with us!

Are you?

  • Motivated to repay your debt and get on with your life, perhaps you have a dream or a goal you want to achieve?
  • Curious to be part of our journey in creating a new type of lender where your value isn’t just your bank balance?
  • Committed to your financial reset as in doing so you’ll be helping more people to do the same?

If so, then to apply you'll need to be:

  • A New Zealand Citizen or Resident that has a regular source of income.
  • Generally able to keep on top of your bills (but wish things were a bit easier!).
  • It’s OK that you have a few debts you’re juggling; you might have missed a few payments, that’s OK, we don’t need you to be perfect.

What you'll need to Apply

1. Make a list of all your debts: Who they are with and what your repayments are.
2. Contact the places you have loans with and ask for your current balance and any early repayment fees that could apply. It would be great to know the interest rate you’re paying too.
3. We need to make sure that the loan you’ve applied for is affordable for you. Get your information together around your income and expenses as you’ll need this for your online application.
5. We will get back in touch with you with our decision.
6. If you’re approved you will need to obtain a ‘full and final settlement’ from each of the lenders we are paying off. We will also send you a loan contract to sign and a direct debit form for your repayments to us.
7. We pay off your original loans directly with the provider.
8. You contact your original lenders to make sure your accounts are closed with them.
9. You jump on board and get access to our Customer Portal where you see your loan journey with us and earn Sweetspot Points.

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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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