Product Suitability

We endeavour not to put customers under financial pressure by ensuring the loan is suitable for you.

As such, we will conduct a credit check on each applicant and assess whether the applicant can afford the plan. We have some minimum criteria. You must be:

      • New Zealand citizen or permanent resident
      • 18 years +
      • Regular income

Applications are subject to Payright’s credit and lending criteria and as such we will consider the information applicants provide to us and ensure that new and existing applications meet the suitability requirements as set out in the BNPL Code.

As part of our assessment process we may conduct credit checks where appropriate and in some circumstances we may also request additional information such as bank statement information.

Most applications receive an instant decision.