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In accordance with the Credit Contracts and Consumer Finance Act 2003, we’re required to make the following disclosure when we make a payment reminder, acknowledge receipt of a hardship application or provide notification of a hardship application being declined. Please note the following:

Do you need free independent financial assistance?

If you have concerns about your finances, you can access free and confidential advice from an independent service such as MoneyTalks. You can contact MoneyTalks on 0800 345 123, SMS 4029 or find further details at www.moneytalks.co.nz

Do you need to make a complaint?

If you are unhappy and have a complaint, we want to hear from you.
To make a complaint simply call us on 0800 003 943 (Cards) or 0800 551 948 (Personal Loans) Monday to Friday, 8:00am – 6:30pm.

If you are not happy with our response or handling of the complaint, you have access to a free, independent dispute resolution service called the Insurance & Financial Services Ombudsman Scheme (“IFSO”) who can assist to investigate or resolve the complaint. You can contact IFSO directly by visiting ifso.nz, emailing info@ifso.nz or calling 0800 888 202

Alternatively, you can also refer the matter to the Commerce Commission:

Commerce Commission
You can write to them at this address - PO Box 2351, Wellington 6140, New Zealand, or call them on 0800 943 600 or email contact@comcom.govt.nz

Alternatively if you would want to discuss your account with us, please call


  • Call 0800 003 943, Mon to Fri: 08:00am – 06:30pm (NZST)
  • Personal Loans

  • Call 0800 551 948, Mon to Fri: 08:00am – 06:30pm (NZST)

  • Credit is provided by Latitude Financial Services Limited