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Frequently Asked Questions | Superloans Get a self-ruling loan My Superloans Get a self-ruling loan My Superloans LoansSelf-rulingLoan Express Loan Pawn Loan Bad Credit Loan First Loan Beneficiary Loan My Superloans Super Score Refer Rewards Buck's Blog Responsible LendingFinancingSuper Deals Frequently Asked Questions Reviews About Us Contact Us Frequently Asked Questions We get a lot of questions! Got a question? We've put together a list of questions that come up a lot which might be helpful. If you have a question that isn't covered here, then please contact us.   Common FAQs Do you qualify? Do you earn at least $300 per week without tax? From salary, wages or goody (can be combined) Is your income (salary, wages or benefit) uncontrived credited into your account? Do you have internet financial (if you don't it only takes 5 minutes to organise simply phone your wall or undeniability into your nearest branch)? Have you got photo ID — your driver’s licence, passport, an 18+ vellum with a lineage certificate, or firearms licence? If employed, have you been with your employer for increasingly than 90 days? Can you requite us proof of write — From your wall or a government department. Eg. WINZ, HOUSING NZ, LTNZ? Can you supply a phone number for yourself and volitional phone numbers for people not living with you — a partner, family members, or friends? How old do I need to be? 18 years and older. Can I wield if I live outside the Wellington or Hawkes Bay area? No, sorry you need to be a Wellington or Hawkes Bay resident. Are there any subconscious fees? No, all the fees are unmistakably described in the loan document. We will discuss with you all the fees associated with your loan as well as the interest applicable, during the using process.  See ourFinancingfor all fees. What if I have bad credit? We evaluate your circumstances and squint at your worthiness to pay when the value you would like to borrow, credit history is one thing but we take into worth your current situation. Also, when you well-constructed paying off your loan with us we will supply positive credit reporting, so a loan with us could help modernize your overall credit rating. We indulge you to build a credit history with us with our Super Score programme which can indulge you to infringe increasingly with us in future at a lower interest rate. Do I need to fill out a new form and bring ID each time I get a new loan? No. When you get your first loan with us, your details are stored in our database. If I didn't repay my last loan, can I come when for flipside one? Yes, you can. I'm self-employed. Can I get an express loan or a pawn loan? It depends if you are subcontracting to a firm and receive regular, recurring payments and meet our other criteria, then yes. However, if you cannot meet those criteria, a Pawn Loan is unchangingly an option. I’m on a benefit. Can I get an express loan or a pawn loan? As long as you receive a minimum of $300 per week and meet the other criteria, we can do loans for people on the pursuit benefits: Orphan'sGoodySole Parent Support Supported Living Payment Unsupported Child'sGoodyWorking for Families NZ Superannuation I can't sire the repayment, what can I do? Contact us as soon as possible and depending on your situation we will do whatever we can to squire you. What happens if I miss a payment? On the first dishonoured payment, we'll send you a text message alerting you to a missed payment. If you contact us immediately and make a transmission payment, you'll not incur any default fees. If you don't reply to the text message, we'll protract to try to contact you by text message, phone, and email. Day 1 – 2: Send you a text message alerting you to a missed payment asking you to contact us. Day 3 – 4: Also struggle to contact you by phone and email. Day 5: Will proffer your loan try-on for an spare pay period. If we proffer your loan term, you'll need to pay the interest for the spare pay period/s. And see our Costs for the dishonoured payment fee.Self-rulingLoan FAQs How much can I borrow? You can infringe from $100-$500. The value is based on your income.Trammelsour calculator to see how much mazuma you could walk out with. Do you do credit checks? We assess your using using our own Responsible Lending Guidelines, a credit trammels is part of that process however we review your current circumstances while assessing your loan application. Can I repay mySelf-rulingLoan early? You sure can. What happens if I miss a payment? On the first dishonoured payment, we'll send you a text message alerting you to a missed payment. If you contact us immediately and make a transmission payment, you'll not incur any default fees. If you don't reply to the text message, we'll protract to try to contact you by text message, phone, and email. Day 1 – 2: Send you a text message alerting you to a missed payment asking you to contact us. Day 3 – 4: Also struggle to contact you by phone and email. Day 5: Will proffer your loan try-on for an spare pay period. If we proffer your loan term, you'll need to pay the interest for the spare pay period/s. And see ourFinancingfor the dishonoured payment fee. What happens if I stop payment of my self-ruling loan? Our staff will struggle to contact you to discuss your situation and try to squire you in any way possible. Week 1:Struggleto contact you by email, phone, and text. Week 2:Struggleto contact you through your volitional contacts and work (if applicable). Week 3: Field officer visit - sent to your home or place of work. Week 4 onwards:Protractto struggle contact until the loan reaches 'under collection' status. This occurs when the interest and fees are equal to the original loan value. Once the loan is placed under collection, the debt is listed with a external debt hodgepodge agency. Express Loan FAQs How much can I borrow? A new consumer can infringe up to $2,000. Existing customers can infringe up to $10,000, depending on their Super Score. How do I repay the loan? The repayments are made by uncontrived debit, in-line with your payday. Can I have increasingly than one Express Loan at a time? No, you can't. But you're welcome to take out a Pawn Loan while you have an Express Loan.  Can I top up my Express Loan? Yes, you can. But only without you've repaid half or increasingly of your scheduled loan repayments. Can I repay my Express Loan early? Yes, there's no penalty or fees. You only pay interest up to that date. Can my partner wield for an Express Loan as well? As long as they meet our criteria and your incomes go into separate finance then yes, they can. I’ve paid when my Express Loan. Can I get flipside one? Yes, you can and since we have your profile in our systems it’s plane easier. What happens if I stop paying off my Express Loan? If a loan worth has had three subsequent missed loan payments, the worth is frozen and sent to collections to recover the debt, our collections team will: Week 1:Struggleto contact you via email, phone and text. Week 2:Struggleto contact you via your volitional contacts and work (if applicable). Week 3: Field officer visit - sent to your home or place of work. Week 4: If no contact has been made, or a payment plan is in place, we engage Baycorp to collect the debt for us. Pawn Loans FAQs What can I bring in for a pawn loan? We winnow all sorts of stuff. Please see Items we accept. What if I have bad credit? No worries! We're loaning versus your goods, so you could have the worst credit overly and we’ll still help you out. What's the maximum I can borrow? That depends on what you bring in. The increasingly expensive an item, the largest the loan we can do. Can I have increasingly than one Pawn Loan? Sure can. Can I pay my Pawn Loan off? You’re welcome to come in and put part payments towards the interest. However, the value you first took out (the principal) must be paid off in one go. When I've repaid my Pawn Loan, can I come when for flipside Pawn Loan? Yes, you can. And if you bring when the same item, the loan will just take a few minutes. Will my item be sold if I don’t repay my loan? Yes, but this is a last resort. We'll contact you three times over a 3-month period. If we don't hear when from you, we’ll vendition the item to recover our costs. Are my goods unscratched while held in your branches? Definitely. Each branch is fully alarmed and monitored. Your goods are unscratched here. Will my item be used while in your branch? Definitely not! We have a strict visitor policy that any item brought into our branch is not used while on loan. Can I bring in increasingly than one item? You sure can. What can I do to make the loan process faster? To make your loan process faster bring any of the pursuit things withal with you: Valuation documents. Receipts for the goods your pawning. Insurance documents. I want to Pawn my car, what do I need to know? Your vehicle must have no finance owing on it. And it must be: in your name, 12 years old or less (classics excluded), insured, and registered and warranted.Wieldnow Like our facebook page Get the My Superloans app Superloans Super Score Refer Rewards Super Deals Buck's Blog Reviews About Us Contact UsWallStatements Our LoansSelf-rulingLoan Express Loans Pawn Loans Bad Credit Loan First Loan Beneficiary Loan Important Information Responsible Lending Budget Advice Hardship Assistance FeedbackFinancingAPR Explained Frequently Asked Questions Terms and Conditions Privacy Policy Superloans is a financial service provider that is registered with the New Zealand Government (FSP94021) © Copyright 2018 Superloans. All Rights Reserved.