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Here are some Hints and Tips to help you unjumble the pitfalls.

  • Work out a budget: Try to work out how much you can afford to borrow before applying for a loan. This way you can give yourself the best chance of being accepted and ensure you don’t take on a loan that you can’t afford. Use Nomey’s budget calculator to help.
  • Watch out for interest-free periods: Interest-free periods can be useful when you’re borrowing, but be aware how long they last. Once the interest-free period ends you may be moved on to a high rate, so try and pay off as much of your debt as you can beforehand.
  • Avoid Impulse Borrowing: Always think carefully before you take out a loan. Is the cost worth what you’re taking it out for? For example, don’t take a loan out for everyday purchases, as a credit card is more suitable.
  • Check your Credit: Your credit information changes all the time and plays a big part in your eligibility for a loan. Check your credit report for free by signing up with Nomey.
  • Watch out for loansharks and payday loans: Some lenders offer “quick cash” but also charge a premium for it. Unlike a personal loan or credit card where interest is charged annually, these short term loans have interest charged daily. Meaning the annual rates can be over 200%.
  • Early repayment: You can pay off your debt before the end of the loan term, but watch out for early repayment fees. Many lenders have a penalty for early repayment, which could wipe out any potential interest savings. Some lenders also charge arrangement fees for personal loans, which you should factor into your cost calculations.

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About Nomey
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Nomey Limited trading as Nomey (FSP735451) holds a licence issued by the Financial Markets Authority (FMA) to provide digital “generic” financial adviser services. Click here to view our full disclosure statement.

Nomey is an independent comparison website, we are not a product issuer or credit provider. We may be compensated if you successfully apply for a product via our website.

Our loan providers offer fixed interest rates ranging from 5.03% to 29.95% per annum on 6 to 84 month terms and charge an establishment fee from $150 to $1000. Our providers may charge additional fees which will be disclosed on their site and should be reviewed before proceeding with any application.

We work hard to ensure the information displayed on our site is accurate. If you choose to apply for a product via our website, you will be dealing directly with the provider of that product and you should confirm the accuracy of any information with them. It is important that you read and understand any information provided by the product provider and if anything is unclear you should get independent advice before proceeding with the application.