We help values-led organisations design and deliver fair, transparent lending products for their people - rooted in trust, cultural alignment, and long-term financial wellbeing. Recent work includes:
Reach out, to learn how we can help you unlock Social Capital for your community.
When something unpredictable happens, the traditional financial system tends to assume that the person is suddenly ‘higher risk’ or in some way ‘bad’. This can mean that people pay more for their debt, or are excluded from certain products, support, or services.
We believe that this is judgemental (in fact ludicrous, as life is inherently unpredictable for all of us!)
If you take time to understand a person’s story we believe that they can move through their debt and on with life with dignity and choice. By choosing not to listen to their story you’re judging (and pricing) people unfairly and there is a better way.
We want to lose customers as this means they are out of debt and on with life and we will be able to support another family.
We focus on balancing the interest that we charge with the costs of running our business. As a new business we are constantly learning, reflecting and updating our approach.
The interest rates and fees that we charge mean that we can be financially sustainable and around for as long as New Zealanders need us. We think that some charges are silly, which is why we don’t charge default interest.
We are grateful to have investors and loan capital partners who share our mission. This means that we are able to structure our business with a focus on sustainability and impact rather than profit.
We believe that we are the first finance company in the world to link financial education with the repayment of debt and creation of savings.
By engaging in financial education our customers pay less on their loans whilst also increasing their levels of financial resilience and understanding. This also benefits our business, as the number of customers unable to pay is likely to be lower, and the overall impact of our business will be increased.
We provide financial reset debt consolidation loans and support to real people living real life. Our customers have many different reasons for needing, and wanting, a financial reset.
What they all have in common is that they are motivated to move forward and on with their life. They are prepared to put in the work, and many have specific goals in their life that would be within reach without the burden of higher cost, spiralling debt.
We want to be able to support people as easily and quickly as possible. Whilst our application process is online, our overall experience is very much focussed on the person behind the application.
You can find a summary of our application process here.
Our mission is to help people find a way out of spiralling debt. That shapes how we do things, from the rates we charge to how we work alongside you on your financial reset journey. You can find our how we’re different here.
Each Sweetspot point can be redeemed for $2.
For the first six months of your loan the points you earn each month will be redeemed against your loan balance. This helps you to get out of debt faster and pay less interest! Sweet!
When you've successfully paid your loan for six months you unlock the choice to redeem your points by transfer to your savings account (at your bank) or to donate to charity through The Good Registry. This could help you to build an emergency fund for unexpected expenses or donate to causes you care about. This option is only available while your loan is up-to-date, you haven’t taken on any more debt and there hasn’t been any other ‘hold event’, as defined in the Money Sweetspot terms & conditions. We may not allow you to redeem points if there’s been a hold event but, if we do, we’ll use them to continue to reduce the principal balance of your loan - to help you get back on track.
By engaging in our digital financial education platform our customers earn Sweetspot Points. These Points can be redeemed for additional amounts off their loan, or into their savings account. You can find out more information here.
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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