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LoanSpot Your spot for car loans, personal loans and debt consolidation. Helping Kiwis borrow with confidence.

There’s the usual things to say – we’re experts in personal lending; we’ve been doing this for over 10 years; we’re fast, fuss-free and friendly. But what’s more important - in our book - is that we’re committed to lending to Kiwis on terms that are affordable for their current needs, as well as for the long term.

Josh has worked out the whole trick.Most delays aren't the lender being slow - they're a document that's missing, out of...
16/10/2026

Josh has worked out the whole trick.

Most delays aren't the lender being slow - they're a document that's missing, out of date, or a screenshot where a statement was needed. Get your ID, your proof of income and your bank statements together before you start and you've done most of the work yourself.

Thanks Josh. Five stars on Trustpilot, March 2026.

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General information only. It doesn't take your circumstances into account, so it isn't financial advice.

loanspot.co.nz | Personal loans for all sorts.
Approval subject to responsible lending checks and lending criteria.

Give it a night.The rule is simple: pick a number - fifty dollars, a hundred, whatever makes you pause - and anything ab...
15/10/2026

Give it a night.

The rule is simple: pick a number - fifty dollars, a hundred, whatever makes you pause - and anything above it waits until tomorrow.

What makes it work isn't willpower. It's that wanting something and buying something usually happen in the same ten seconds, and the rule puts a gap between them. Most of what survives the gap is something you'd have bought anyway. Most of what doesn't, you'd have forgotten about by Thursday.

The other thing it does is take the argument out of it. You're not saying no to yourself, which is the part that tends to backfire. You're saying not yet.

Set the number low enough that it actually catches things.

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General information only. It doesn't take your circumstances into account, so it isn't financial advice.

loanspot.co.nz | Personal loans for all sorts.
Approval subject to responsible lending checks and lending criteria.

Labour Weekend is a fortnight away, which in this country means one thing: someone in your street is about to start a de...
14/10/2026

Labour Weekend is a fortnight away, which in this country means one thing: someone in your street is about to start a deck.

Project season has a reliable pattern. Three things blow the budget almost every time:

→ What's underneath. Rot, wiring, plumbing - nobody quotes for what they can't see yet.
→ The bits at the end. Fixings, sealant, the second trip to the hire place, the third trip to the hardware store.
→ Scope. The deck was always going to want a railing, and then the railing wants a gate.

Add twenty percent to whatever number you've landed on, and get the quote in writing before the long weekend rather than during it. Tradespeople get very busy from about now.

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General information only. It doesn't take your circumstances into account, so it isn't financial advice.

loanspot.co.nz | Personal loans for all sorts.
Approval subject to responsible lending checks and lending criteria.

About ten weeks. That's what's left.It's an unwelcome thing to read in October and the most useful time to read it. The ...
13/10/2026

About ten weeks. That's what's left.

It's an unwelcome thing to read in October and the most useful time to read it. The difference between putting a little aside from now and sorting it out in the third week of December is more or less the whole story of how January feels.

Pick your number - whatever last Christmas cost, divided by ten. Set it to move on payday so you never see it. Then don't think about Christmas again until December, which is the actual reward here.

Ten weeks of small beats three weeks of scrambling.

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General information only. It doesn't take your circumstances into account, so it isn't financial advice.

loanspot.co.nz | Personal loans for all sorts.
Approval subject to responsible lending checks and lending criteria.

"Went smoothly" usually comes down to one thing: nothing turned up at the end that wasn't mentioned at the start.That's ...
11/10/2026

"Went smoothly" usually comes down to one thing: nothing turned up at the end that wasn't mentioned at the start.

That's mostly a matter of being told the fees and the total repayable up front. If you're comparing lenders, ask both before you apply - it's the best predictor of how the rest of it goes.

Thanks Kairo. Five stars on Trustpilot, March 2026.

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General information only. It doesn't take your circumstances into account, so it isn't financial advice.

loanspot.co.nz | Personal loans for all sorts.
Approval subject to responsible lending checks and lending criteria.

You know the trick. It still works on you.Researchers have a name for why: the left-digit effect. Shown $4.00 and $2.99 ...
10/10/2026

You know the trick. It still works on you.

Researchers have a name for why: the left-digit effect. Shown $4.00 and $2.99 side by side, people judge the gap as bigger than the one between $4.01 and $3.00 - even though both gaps are a dollar and a cent. We read left to right, and the first digit does most of the deciding.

The interesting part is when it stops working. The same research found the effect largely disappears when you're recalling a price from memory rather than looking at it, because remembering rounds $2.99 up to about three dollars.

Which is a decent argument for writing down what you're willing to spend before you get to the shop.

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loanspot.co.nz | Personal loans for all sorts.
Approval subject to responsible lending checks and lending criteria.

"That's not in the budget this month."Seven words, and they've quietly become one of the more useful things you can say ...
09/10/2026

"That's not in the budget this month."

Seven words, and they've quietly become one of the more useful things you can say out loud.

The old way was to make an excuse - busy that weekend, coming down with something - and then go anyway, or not go and feel odd about it. The new way is just to say the actual reason.

What makes it work isn't the money. It's that it ends the negotiation. Nobody argues with a budget. And it gives everyone else in the room permission to say it too, which is usually the part people are quietly grateful for.

It's easier the second time.

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General information only. It doesn't take your circumstances into account, so it isn't financial advice.

loanspot.co.nz | Personal loans for all sorts.
Approval subject to responsible lending checks and lending criteria.

Second time around.A repeat application is usually quicker, because a lot of the groundwork is already done. It still ge...
07/10/2026

Second time around.

A repeat application is usually quicker, because a lot of the groundwork is already done. It still gets assessed against where your finances are now, though, not where they were last time - circumstances move, and so does what's affordable.

Thanks Sherie. Five stars on Trustpilot, April 2026.

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loanspot.co.nz | Personal loans for all sorts.
Approval subject to responsible lending checks and lending criteria.

New Zealand has given the world the pavlova, the bungy jump and the electric fence. Money slang, not so much.We borrow n...
06/10/2026

New Zealand has given the world the pavlova, the bungy jump and the electric fence. Money slang, not so much.

We borrow nearly all of ours. Dosh, quid, coin, bucks - all imported. The one strong local candidate is razoo, as in "not a brass razoo", and Australia claims that one too.

The genuinely Kiwi one is plastic fantastic, meaning a credit card. It started life as the nickname for the fibreglass boat New Zealand sailed at the 1987 America's Cup, and somehow ended up in our wallets.

And spondulicks, the most satisfying money word in the language? Nineteenth-century American, and nobody actually knows where it came from. One theory involves Greek shells. Another reckons a stack of coins looks like a spine.

Your guess is as good as the dictionary's.

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loanspot.co.nz | Personal loans for all sorts.
Approval subject to responsible lending checks and lending criteria.

Quick question: how many subscriptions are you paying for right now?Whatever number you just thought of, it's probably l...
05/10/2026

Quick question: how many subscriptions are you paying for right now?

Whatever number you just thought of, it's probably low. Streaming, music, the cloud storage you filled up years ago, the app you downloaded for one trip, the gym you've walked past since March.

Ten minutes, once. Search last month's bank statement for the same amount leaving on the same date - that's what a subscription looks like from the outside.

Then the only question worth asking about each one. Not "do I use this?" but "would I sign up for it today?"

Most people find at least one. Some people find an embarrassing one.

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General information only. It doesn't take your circumstances into account, so it isn't financial advice.

loanspot.co.nz | Personal loans for all sorts.
Approval subject to responsible lending checks and lending criteria.

Address

14/987 Ferry Road, Ferrymead
Christchurch
8023

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

Telephone

+64800666022

Website

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