Our Commitment to Responsible Granting
Our service is designed to put you in control of your cash flow, for those occasional times when an unexpected expense catches you by surprise. Below we explain why CCNZ is different to many other lenders.
We calculate the total amount repayable upfront, clearly showing you the figures. We include the marketing fee and full cost to ensure its crystal clear, plus we never change the rate we charge. The only way costs can increase is if you fail to honour the agreement.
In contrast to credit cards or overdrafts, you must commit to settling your CCNZ account quickly within one week. You can then use our service again next time you need short-term assistance. We make money when you repay us on time, not by continually extending a growing line of credit to you. CCNZ doesn't endlessly roll your balance from month to month and we will only approve limited extensions when we feel it is in your best interest. If you red-line you will NOT be able to request again.
We place emphasis on building a responsible and trusting relationship with you. So unlike some lenders, we won't wave silly amounts of cash in your face to gain your custom. First-time members can initially apply for up to 20 Dollars for the first 3 months. After repaying your grant amounts, we may gradually increase your CCNZ account rating.
As you repay our trust, you may enjoy improved flexibility to apply for more in the future if need be. Your maximum credit limit at any one time is determined by lots of different factors we take into account. Our biggest Grant is 200 Dollars, an amount only available to members who have shown completely responsible use of the service over a significant period of time.
Part of our responsible granting process includes collecting personal information. This may include requesting photo identification like a driver’s license or passport, tenancy agreement, a current bank statement, a phone or power bill and may also include contacting your employer to verify certain information. We respect your privacy and discretion and will only contact your employer with your own consent.
Other personal information we may request at our own discretion is a credit check. We do this as part of our assessment of the suitability and affordability of a grant account for you. We understand that from time to time people may have credit troubles and therefore, if you have a bad credit rating we may still Grant to you.
CCNZ's intention is not to be a permanent finance solution to its members.
CCNZ is not the cheapest way to request money, but we are the fastest, most convenient and most flexible. It's a bit like using a taxi to get around - it's not economical if you use one too frequently, but paying a premium for speed, convenience and flexibility in the short term makes perfect sense from time to time.
We do not want you to request more than you can afford. We encourage all our clients to always plan their budgets prior to signing and read the Grant documents and disclosure statement. If you are unable to repay the grant due to hardship, we suggest not to request. For this purpose, you may find it helpful to use one of the following websites if you have any further concerns:
Our service is designed to put you in control of your cash flow, for those occasional times when an unexpected expense catches you by surprise. Below we explain why CCNZ is different to many other lenders.
We calculate the total amount repayable upfront, clearly showing you the figures. We include the marketing fee and full cost to ensure its crystal clear, plus we never change the rate we charge. The only way costs can increase is if you fail to honour the agreement.
In contrast to credit cards or overdrafts, you must commit to settling your CCNZ account quickly within one week. You can then use our service again next time you need short-term assistance. We make money when you repay us on time, not by continually extending a growing line of credit to you. CCNZ doesn't endlessly roll your balance from month to month and we will only approve limited extensions when we feel it is in your best interest. If you red-line you will NOT be able to request again.
We place emphasis on building a responsible and trusting relationship with you. So unlike some lenders, we won't wave silly amounts of cash in your face to gain your custom. First-time members can initially apply for up to 20 Dollars for the first 3 months. After repaying your grant amounts, we may gradually increase your CCNZ account rating.
As you repay our trust, you may enjoy improved flexibility to apply for more in the future if need be. Your maximum credit limit at any one time is determined by lots of different factors we take into account. Our biggest Grant is 200 Dollars, an amount only available to members who have shown completely responsible use of the service over a significant period of time.
Part of our responsible granting process includes collecting personal information. This may include requesting photo identification like a driver’s license or passport, tenancy agreement, a current bank statement, a phone or power bill and may also include contacting your employer to verify certain information. We respect your privacy and discretion and will only contact your employer with your own consent.
Other personal information we may request at our own discretion is a credit check. We do this as part of our assessment of the suitability and affordability of a grant account for you. We understand that from time to time people may have credit troubles and therefore, if you have a bad credit rating we may still Grant to you.
CCNZ's intention is not to be a permanent finance solution to its members.
CCNZ is not the cheapest way to request money, but we are the fastest, most convenient and most flexible. It's a bit like using a taxi to get around - it's not economical if you use one too frequently, but paying a premium for speed, convenience and flexibility in the short term makes perfect sense from time to time.
We do not want you to request more than you can afford. We encourage all our clients to always plan their budgets prior to signing and read the Grant documents and disclosure statement. If you are unable to repay the grant due to hardship, we suggest not to request. For this purpose, you may find it helpful to use one of the following websites if you have any further concerns: