Here at SPL, we understand that unexpected situations can happen every day, so when you need cash, it’s our responsibility to ensure that getting a loan is easy for Kiwis. Our loan eligibility criteria was built with one simple goal: helping the most number of Kiwis to get the money they need when they need it. Here are the types of loans we offer and what you need to start your loan application today!

What do you need to apply for a loan with us? Well, we don’t ask for a lot, promise!

Be over 18

Loans are a big commitment. We must know you can manage the responsibility, which means we only accept loan applications from those 18 years and above.

Live in New Zealand

You must reside in NZ as a resident, citizen, or on a working visa and be able to show us proof of address to meet our loan eligibility criteria.

Have at Least Two Valid Forms of ID

You’ll need to have at least two forms of ID, one of which must be a photo ID (such as a driver’s licence or passport); the second form could be something like a community services card or even a bank card with your name and signature. For non-NZ residents, we must see your passport before we can approve any loan.

Proof of Income

Like we said before, Loans are a big commitment, and we are committed to making sure that you don’t get in over your head regarding loan repayments. We need to see your three most recent pay slips (or if you are self-employed: your latest financial records) along with three previous months of bank statements. By doing this, you’ll give our team a complete picture of your financial situation so we can work with you to create the best loan and repayment schedule for you.

Loan Security

Our loans are mainly security-based, so some type of collateral, such as a property, a car, or other transferable securities including shares or life assurance policies.

What Kinds of Loans can You get with SPL?

It doesn’t matter if it’s a burst pipe rapidly sinking your bathroom, or a car engine that’s developed a Covid-like cough, SPL has a loan to help alleviate your money troubles. Here is a list of the all the loans we offer:

  • Personal loan
    • Vehicle loan
    • Small business loan
    • Consolidation loan
    • Travel loan
    • Wedding loan

Be prepared for anything life throws at you with a loan from SPL.

Don’t Worry about the Little or the Big Stuff with SPL


If your roof springs a leak during a cyclone, you don’t have the luxury of time to wait for your loan to be approved. With SPL, loan eligibility is simple, and approvals can happen within hours. Go fill out one of our application forms; they only takes a few minutes, and start your journey towards financial freedom today!