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Responsible lending

At Superloans, our foremost commitment is to ensure that every loan we offer – from your initial, interest-free loan to any subsequent express loans – is within your financial means. We understand the importance of responsible borrowing and are dedicated to helping you make informed financial decisions.

Ensuring Affordable Loans for Every Kiwi

Our Commitment: Understanding Your Financial Capacity

  1. In-Depth Financial Evaluation: Before approving any loan, we conduct a thorough assessment of your financial history. This crucial step helps us gauge your capacity to manage repayments effectively.
  2. Tailored Loan Solutions: Our approach involves working closely with you to understand your repayment capabilities. We aim to provide loan options that fit comfortably within your budget, ensuring no undue financial strain.

Responsible Lending: Our Core Principle

  • Practical and Affordable Loans: We adhere to stringent procedures and policies to guarantee that the loans we provide are both realistic and affordable.
  • Borrower’s Repayment Ability: Our responsibility extends to ensuring borrowers can repay their loans, including any applicable Interest and fees, without enduring Financial hardship.
  • Commitment to Ethical Lending Practices: At Superloans, responsible lending isn't just a policy; it's our promise to you. We lend responsibly to individuals who demonstrate the ability to repay their loans, thereby avoiding financial difficulties.

Transparent Communication: Making Sure You Understand

  • Comprehensive Loan Agreement Explanation: Our team of experts will guide you through the loan agreement, detailing how fees, interest, and repayments are structured.
  • Clarity on Agreement Terms: We clarify the consequences of non-compliance with the loan terms and ensure that all your queries are thoroughly addressed.
  • Informed Decisions: We only proceed with the loan agreement after confirming that you have a clear understanding of all its aspects.

Evaluating Your Financial Standing

  • Consistent Financial Assessments: We consistently review your financial situation, whether it’s your first Free Loan or subsequent loans.
  • Ongoing Commitment as Kiwi Lenders: Our goal as responsible lenders in New Zealand is to ensure you manage your finances effectively, reinforcing our pledge to responsible lending.

Adapting to Changes: Our Hardship Process

  • Responsive to Circumstance Changes: We recognise that financial situations can change. If you experience difficulty after obtaining a loan, we encourage you to contact us immediately.
  • Supportive Hardship Assistance: Our responsive hardship process is designed to offer support and find solutions during unexpected financial challenges.