Lending software for New Zealand

A market where CCCFA affordability rules and open-banking data drive consumer lending. lendhero arrives with Centrix, RealMe and Bank transfer already connected, so your team configures products instead of plumbing.

See the local stack
  • NZD (NZ$)
  • English, Maori
  • 15 local connectors
  • 1–2 weeks to launch

Kia ora, Aroha

ApprovedNZ$5,000

796

Credit score

On-time payments

Monthly paymentNZ$246

Market profile

New Zealand at a glance

What lendhero is set up for in New Zealand before your team logs in.

Currency

NZD (NZ$)

Languages

English, Maori

Supervisor

Commerce Commission and FMA

Credit data

Centrix, Equifax NZ, illion

Payout rails

Bank transfer, Card

Data protection

the Privacy Act 2020

15
local connectors wired in before kickoff
NZD
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: English, Maori

Working with borrowers in New Zealand

Tools for every borrower conversation

Borrowers in New Zealand apply, sign, pay and come back for repeat loans in English and NZD.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by WhatsApp Business and Infobip automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowInfobip
New receipt in your portalSMS

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in English.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Aroha · Consumer loan, 6 months · NZ$5,000

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The New Zealand stack, connected before kickoff.

lendhero ships with the connectors lenders in New Zealand use every day, from Centrix to Direct debit. New ones are added through the open API.

  • Credit bureaus & registries3 connectors
    • CCentrix
    • EEquifax NZ
  • Identity & KYC2 connectors
    • RRealMe
    • CCloudcheck
  • Bank & alternative data2 connectors
    • AAkahu
    • BBank statements
  • Disbursement rails2 connectors
    • BBank transfer
    • CCard
  • Repayments & collections2 connectors
    • DDirect debit
    • CCard
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign
    • DDropbox Sign

Checks and payments

Who borrows and how money moves in New Zealand

Applicants are checked with Centrix and Equifax NZ, and money moves via Bank transfer and Card.

Client checks

Checks connected in New Zealand:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationRealMe, CloudcheckPass
  • Credit bureausCentrix, Equifax NZ, illionPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataAkahu, Bank statementsReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in New Zealand:

DisbursementBank transfer, Card in NZD
RepaymentDirect debit, Card
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Bank transfer
  • Card
  • Direct debit

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in NZD are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

NZ$5,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid NZ$1,780 of NZ$5,3502 of 6 payments
DateAmountStatus
Sep 4NZ$890Paid
Oct 4NZ$890Paid
Nov 4NZ$890Due in 7 days
Dec 4NZ$890Upcoming
Jan 4NZ$890Upcoming
Reminder sentYour payment of NZ$890 is due Nov 4

Loan flow

How a loan runs in New Zealand. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via SMS, with forms in English and Maori.
  2. 02VerifyIdentity and documents are checked through RealMe and Cloudcheck.
  3. 03DecideScorecards pull Centrix and Equifax NZ data and return a decision in seconds.
  4. 04DisburseFunds go out via Bank transfer or Card in NZD, straight after signing.
  5. 05CollectRepayments arrive via Direct debit and Card, with reminders over Twilio.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

NZ$5,000

Next payment

NZ$890 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

ArohaVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in New Zealand launch on .

Consumer instalment loansPersonal loans with CCCFA affordability checks.
Auto financingCar loans for dealers.
Business lendingSME loans on Akahu data.

Compliance

Configured for CCCFA and the Privacy Act 2020.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in New Zealand.

Hosting & data residency

Cloud or on-premise deployment, with data stored where the Privacy Act 2020 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the Privacy Act 2020.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for CCCFA rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in Australia & New Zealand

All Oceania markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in New Zealand?+

Yes. The platform is set up for NZD, English and Maori and CCCFA requirements, with 15 local connectors ready on day one.

Which credit data sources are connected in New Zealand?+

Centrix, Equifax NZ, illion. On top of that, identity checks run through RealMe and Cloudcheck and bank data comes from Akahu and Bank statements.

How do borrowers get paid and repay?+

Payouts go out via Bank transfer and Card in NZD. Repayments arrive via Direct debit and Card, with reminders over WhatsApp Business and Infobip.

How long does a launch in New Zealand take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 15 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in New Zealand? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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