New to NZ Loans for Trades Workers
Starting work in a new country is expensive. Tools, PPE, transport and basic living costs can all hit before the first full pay cycle. Our New to NZ loans help recruitment agency employed trades workers get set up quickly, so they can start work on time and stay focused on the job. We work closely with recruitment agencies to lend responsibly, with weekly repayments that fit real-world pay cycles.
What this loan can be used for
Our New to NZ loans are designed to cover essential setup costs, including:
Tools and equipment required for work
PPE and safety gear
Initial accommodation and living expenses
Transport costs related to starting work
The loan is designed to remove early financial pressure, not create long-term debt.
How it Works
The process is simple and designed to support both workers and recruitment agencies.
Your recruitment agency refers you
We assess affordability and suitability under NZ consumer lending rules
If approved, funds are paid quickly
Repayments are made weekly via Paymaster, aligned with your pay cycle
All lending is assessed responsibly in line with New Zealand consumer lending requirements.
Who this loan is for
This loan is suitable for:
Workers placed through a recruitment agency
Trades workers who are new to New Zealand
People who need support covering essential setup costs
Borrowers who can meet weekly repayments
All loans are assessed individually to ensure they are affordable and appropriate.
Frequently Asked Questions
Q: What is a New to NZ loan?
A: A New to NZ loan is designed to help trades workers cover essential setup costs when starting work in New Zealand, such as tools, safety gear, accommodation, and transport.
Q: Do I need to be new to New Zealand to apply?
A: Yes. This loan is intended for workers who have recently arrived in New Zealand or are about to start work after arriving.
Q: Do I need to be placed through a recruitment agency?
A: Almost all New to NZ loans are provided to workers placed through recruitment agencies we partner with. In some rare cases, you may be able to apply directly.
Q: What can the loan be used for?
A: New to NZ loans can be used for essential setup costs, including tools, PPE, initial accommodation and living expenses, and transport related to starting work.
Q: How are repayments made?
A: Repayments are made weekly and are aligned with your pay cycle. Payments are usually collected by Paymaster.
Q: How quickly are funds paid out?
A: If approved, funds are typically paid within 24 hours of us receiving all the required information and affordability has been assessed.
Q: Can I repay the loan early?
A: Yes. You can make extra repayments or repay your loan early without penalty.
Q: How is affordability assessed?
A: We assess each application individually to ensure the loan is affordable and suitable, in line with New Zealand consumer lending requirements.
Rates, Fees and Transparency
All interest rates, fees and repayment terms are disclosed before you accept a loan. You can review our full rates and fees at any time.
Apply Now
If you’re ready to apply, complete the application form below.
If you’re a recruitment agency looking to support a worker, we can guide you through the process.