1. What is Loanie and how does it work?
Loanie is a loan-matching platform that connects you with lenders in New Zealand who are likely to offer you a loan based on your profile. You fill out one application and we match you with appropriate options — helping you avoid multiple credit checks.
2. Will applying affect my credit score?
No. Initial registrations and pre-screening do not impact your credit score. Only when you choose to send a formal application to a lender is a credit check performed — and you approve that.
3. Can I get approved with bad credit?
Possibly. Approval depends on the lender’s criteria. We will show you the options most compatible with your profile, but we cannot guarantee approval.
4. How long does it take to get a loan decision?
Decision times vary by lender, but many respond within 24–48 hours once your application is formally submitted.
5. What types of loans can I get through Loanie?
Common loan types include:
- Home loans
- Property Investment loans
- Construction loans
- Property development loans
- Commercial loans
- Business loans
- Debt consolidation loans
- Refinance
Exact products depend on partner lenders and your eligibility.
6. How do I know which loan is best for me?
We provide comparison tools and personalised explanations of:
- interest rates
- total repayment costs
- fees
- loan terms
Plus, our guides help you understand what each term means in real-life costs.
7. Is Loanie a lender?
No. Loanie helps you find lenders and presents suitable options, but the loan is a contract between you and the lender you choose.
8. Is my data safe?
Yes. We adhere to strict privacy protections under the NZ Privacy Act 2020, and we use industry-standard security to protect your information.