MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
          • Interest Rate Predictions 2025
            • Money Sweetspot Review
            • 20 Property Investment Risks You Can't Ignore
            • Shares vs Property Investment
            • Milford vs ANZ KiwiSaver Growth Funds Comparison
            • Best Performing KiwiSaver Funds
            • Kernel Shares & ETF Investing Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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  • Banking & Savings
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  • KiwiSaver
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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Personal Loan vs Car Loan - What is Better for Buying a Car?

Our guide outlines the differences between car loans (both secured and unsecured), personal loans and alternative financing options.
Personal Loans vs Car Loans
Updated 25 April 2025

Not every car loan is the same - we continually hear reports from new car owners who later realise they were ripped off and signed up for expensive car financing without knowing the implications. Because buying a car isn't something you often do, it's very easy to overpay or get an unsuitable loan. 

Our guide covers:
  • What is a Car Loan, and What are the Different Types?
  • What is a Personal Loan?
  • ​Another Option – Balance Transfer Credit Card
  • Frequently Asked Questions
  • Conclusion: Choosing the Right Car Finance for You – Car Loan, Personal Loan, or Balance Transfer Credit Card

Looking for the best car finance offers? Our dedicated Car Finance guide has you covered. If you are thinking about getting a guarantor on a car loan, our Car Loan Guarantors guide outlines what you need to know.

MoneyHub Founder and Head of Research Christopher Walsh shares his view on car loans:

"The New Zealand car loans industry offers a lot to borrowers, but you need to know where to look. We often see reports in the media of car loan rip-offs where hardworking New Zealanders end up owing more than their car is worth. The financial stress endured by anyone servicing (and surviving) such loans is intolerable".

"Too often, people pay too higher an interest rate because they don't compare. Car yard salespeople make a lot of money from arranging financing, but buyers don't often have the chance to compare other financing offers. We also know a lot of people don't understand what they're signing up to, which creates problems later on".

​"This guide outlines everything you need to know to make the right car loan choice BEFORE you buy a car".
Picture

Personal Loans vs Car Loans

What is a Car Loan, and What are the Different Types?

A car loan is a lot different than a personal loan for many reasons, but the largest reason the collateral required. Car loans use your car as collateral. If you default on the loan, the lender will almost always take the car as part of the security agreement.
 
Car loans usually come with a fixed interest rate; your rate never changes throughout the loan's life. This is great for budgeting; you always know your payment amount and how much you need in your bank account to make sure your payment clears. There are downsides to car loans, though, which we outline below. 

​Types of Car Loans

You can secure a car loan in two main places – the car dealership or a private lender. Both have the same outcome – they provide money to buy your car. Our guide to dealership loans vs car loans has more details.
 
Dealership car financing is a car loan you arrange at the dealership and covers new and used cars, although the interest rate and lending costs may differ between new and used vehicles. 

1. Dealership Car Loans Know This First:
​
You may get instant approval while you're at the dealership, as most car salespeople make a lot of money on car finance. What you pay for finance will involve upfront fees and interest, of which the car yard will take a share of. For this reason, it's in their interest to make financing available.
 
In general, dealership car financing has specific limitations:
  1. You may get financing and drive away on the same day, but it may not be the best value. 
  2. The repayment terms are often inflexible, meaning early repayment isn't allowed
  3. Rates are rarely competitive as the environment isn't 'comparison-friendly.'
  4. Attractive value dealer financing (0% interest for 12 months etc.) may only be available on higher-end cars.
 
However, one benefit is that you may be able to trade in your old car and use the money as a deposit for the new car. This solves a lot of hassle around selling your car privately on Trade Me or AutoTrader etc.

Add-on Insurances: Car Lenders may offer you Mechanical Breakdown Insurance (MBI), Payment Protection Insurance (PPI) and Guaranteed Asset Protection Insurance (GAP). We do not believe these policies offer value-for-money or cost-effective protection for most people. Our guides to both of these insurance options explain what you need to know. You may be encouraged to buy MBI and/or GAP insurance, but they are not compulsory with any car loan. Our view is that buying add-on insurance makes a car loan more expensive.

2. Private Lender Car Loans
Our view is simple - arranging private lender financing (i.e. from a bank, specialist lender or dedicated car financing company) is, for most people, the most affordable and transparent way to buy a car. For anyone prepared to compare the best providers, there are significant savings available. Best of all, you know exactly what you can borrow so you can negotiate with purpose. Other benefits include:
  • You can get pre-approved, so you know how much you can afford before shopping for a car
  • You can compare rates and fees without being rushed - the compare you compare, the better chance of finding a good deal
  • You can get car financing on new and used cars (and any make or model)
  • However, upfront loan fees usually apply, and some (but not all) lenders charge early repayment fees.

​Car Loans - Pros and Cons

Whether you apply for a car loan through a dealer or private lender, car loans by definition have unique pros and cons. We outline these below:
 
Pros:
  • Car loans are secured, which means lower interest rates since the bank has collateral if you default.
  • If you secure dealer financing, you do everything in one place, which may mean driving away in your new car faster.
  • Some dealership financing offers balloon payments that provide lower monthly payments, but you must pay a lump sum at maturity to clear the loan. If you can't, you'll need to refinance. 
  • You can negotiate rates and fees, especially if you have good credit and decent qualifying factors.
 
Cons:
  • You usually can't break dealer financing early, and if you do there will be hefty fees or penalties since they rely on the income
  • All types of car loans usually have financing fees, whether upfront or worked into the cost of the car (dealer financing)
  • You can lose your car if you can't keep up with your payments, as car loans are almost always secured. Our guide to collateral and car loans has more details. 

Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

​MoneyHub's Top Car Finance Options - Avoid high interest rates and fees with our trusted lenders.
  • We focus on highlighting the top car finance options to help you avoid costly high interest rates and unnecessary fees that add up too quickly. Our extensive research has consistently highlighted two trusted lenders who offer fair, competitive interest rates for most borrowers.
  • Simplify – A dedicated car loan specialist, Simplify has built a strong reputation for offering some of the most competitive rates and terms in the market. For 2024, we've named them our Favourite Car Loan Lender for their customer-focused approach and proven ability to get New Zealanders into cars with great finance deals. 
  • Harmoney – If you prefer a low-fee personal lender with an easy, fully online process, Harmoney is a great option for secured car loans. Their streamlined application can help you secure a loan quickly and efficiently.
  • Why Compare? Comparing car finance options can save you thousands. Even a 1% lower interest rate can significantly reduce your repayments. While dealership financing might seem convenient, it often comes with higher costs to boost their profits. By exploring different lenders and brokers (such as Simplify and Harmoney), you can secure a better deal, avoid unnecessary markups, and ensure you're not overpaying for your car.
  • Important: The interest rate you lock in now will impact your repayments for years to come, so choose wisely and compare before committing.
  • Advertising Disclosure: We may receive a commission if you proceed with a loan through our partners. However, this does not influence our recommendations, and all lenders are thoroughly vetted for fairness. Rates vary based on individual credit profiles.
Simplify Car Loan Award
Simplify Car Finance
Visit Simplify
Harmoney Secured Car Loans NZ
Visit Harmoney

Personal Loans vs Car Loans
​

What is a Personal Loan?

You can also use a personal loan to buy a car. The premise is the same as a Car Loan – you borrow money to buy a car, pay interest on the loan, and make monthly payments. However, the similarities end there.
 
When you take out a personal loan, you don't have to tell the lender (i.e. bank or finance company) what you're doing with the money. Furthermore, if you're taking out an unsecured loan, you won't use your car as collateral. This means if you don't make repayments, you won't lose your car. Defaulting on a personal loan is detrimental to your credit history, and fees will apply. However, you'll never lose your collateral.
 
Personal loans come from banks and specialist lenders. Because collateral isn't required, you are likely to pay higher interest rates relative to a secured car loan due to the higher risk of repayment. The exception is when you have excellent credit history and affordability. Personal loan interest rates usually start at around 9% p.a. but can go as high as 30% p.a., making sure financing arguably unaffordable.  
 
Just like car loans, Personal Loans have pros and cons:

Personal Loan - Pros and Cons

Personal loans are suitable for some people for car financing, but they're not a one-stop solution. We outline the pros and cons in detail:
 
Pros:
  • Personal loans are pre-approved; you'll know upfront how much you can borrow before car hunting.
  • Personal loans typically have flexible repayment terms, including, in most cases, no overpayment or early repayment fees.
  • If the loan is unsecured, there's no risk of losing your car if you can't make your payments
  • You can use the funds to make after-market changes to your car; such expense wouldn't be covered by traditional car finance
 
Cons:
  • Interest rates are often higher on unsecured personal loans because of the lack of collateral.
  • Many personal loans, such as those offered by Westpac and the Co-operative Bank have floating interest rates. This can make it hard to budget repayments.

Personal Loans vs Car Loans

​Another Option – Balance Transfer Credit Card

There's one more option that many people overlook when buying a car. A balance transfer credit card may help you finance your purchase. You can also avoid paying any interest for up to 12 months. But, you must be in a healthy financial situation to take advantage of the offer. If you're not, the method won't work, and you'll be left with costly credit card repayments for months if not years to come.
 
Warning: This method is not financial advice; we've published the information to help explain options available. We do not endorse or recommend this alternative financing method in any way. We include it merely to make MoneyHub readers aware of the option.

How does this work?
  1. If you have a sizeable credit limit (i.e. $3,000, $5,000 or more) and healthy credit history, you can apply for a balance transfer credit card. 
  2. You'll need to be approved in advance for this process to work. For example, if your current credit card balance is $1,000 and you want to finance a $5,000 car, you'll need to be able to go up to a $6,000 credit limit on your current credit card. 
  3. Your balance transfer application needs to be approved before you can go further, and it needs to be the total amount you plan to use for your car, plus any existing balance owed (unless you plan to repay it before you transfer the card's balance). 
  4. The approach is simple - you advance the purchase price of a car on your credit card. The most popular way to do this is to log in to your internet banking and transfer an amount from your credit card to your bank account. 
  5. Once it's in your bank account (the process is usually instant), you can then use the money to finance your car. 
  6. The credit card interest starts being charged right away, so you'll need to take advantage of your pre-approved balance transfer. The card you transfer the balance to treats purchased and cash advances as the same thing - you'll pay the promotional interest rate (i.e. 0% p.a.) for as long as the offer is valid. After that, the interest rate will revert to the standard rate. This could be as high as 25% p.a., so you'll need to know the terms before applying.
  7. Overall, if you follow the process, the saving can be significant in the first 6, 12 or 24 months (or however long the interest-free period applies). You can then prioritise the repayment and avoid any interest costs, which is a rare situation for car finance. 
 
However, like car loans and personal loans, balance transfer credit cards have pros and cons.

Pros and Cons - Balance Transfer Credit Card

If you qualify for a balance transfer credit card, there are some pros and cons of using the facility to finance a car purchase:
 
Pros:
  • Your payments go directly to the principal balance (the amount borrowed) and not interest while the balance transfer credit card offers 0% p.a. rates. This means you can pay off the balance owed faster. 
  • Most balance transfer credit cards have low (if any) fees.
  • Your loan is unsecured, so there's no risk of losing your car.
  • If you don't want to withdraw cash on a credit card, some car dealers take credit cards as a payment form. You can then transfer the balance once your purchase is complete. However, private car sellers rarely accept credit cards. 
 
Cons:
  • You need strong credit history to qualify for a 0% balance transfer credit card - if you can't, this option isn't available.
  • Your purchase power is limited to your existing credit card limit (unless you arrange other financing options, but this is something to be careful about as managing multiple loans can be problematic).

Personal Loans vs Car Loans

Frequently Asked Questions

Like a car, car loans have a few moving parts. Our list of common questions ​​below anticipates the most common queries. Remember - if you don't understand something about a car loan you're being sold, ask the lender. The best approach is to document the response they give so you fully understand the answer.

Can you take out a car loan on a used car?

Yes - throughout New Zealand, this is very normal. Most lenders offer car loans on used cars, but there are exceptions. If the car is very old or has high mileage, lenders may not take a chance on the car given its resale value might be low. In such cases, you would likely need to apply for an unsecured personal loan; this would let you buy the car without having to give collateral. A higher interest rate is, in most cases, likely.

Can you get a car loan with bad credit?

Yes, but you'll likely have a better chance of securing a car loan with bad credit than an unsecured personal loan. The main reason is the collateral - securing a loan with your car gives lenders something to fall back on if you default. Anyone with bad credit is seen as high risk, meaning requiring security is almost a certainty. 

Will car loans cover 'extras' on your car?

Most car loans only cover the cost to buy the car and, if it's a new model, on-road costs. To make after-market changes, or do bodywork, car loans don't cover it. However, a personal loan allows you to do whatever you want with the funds, including fixing up the car. There is no restriction as the loan is for "personal" reasons. 

Which is faster - a dealer car loan or a personal loan with a private lender?

If you qualify for dealer car financing, it's usually the fastest. You can get approved and out the door in a few hours. Arranging a loan with a specialised lender takes a little longer. However, given most car repayments last between two and five years, we don't believe there isn't a rush to take the first deal. Comparing all your options is the best way to get the most cost-effective deal. 

Should I take a car loan with an early repayment fee?

It depends; the loan may offer a lower interest rate, but it's inflexible later on. If you come into money and want to repay the balance, you'll be charged a fee. This charge is made to compensate the lender for the interest you'll no longer pay back once you make an early repayment. If you think you'll want to pay the loan early, there are many competitive loans in the marketplace that don't impose an early repayment fee.

Can you buy a car with a credit card?

It is possible. However, if you can't clear the balance after the interest-free period (usually 45-55 days), you'll pay interest rates as high as 25% p.a. This is more expensive than most car financing deals. You'll also need to have a credit limit high enough to cover the purchase cost and find a seller who accepts credit card as a form of payment. The risks and difficulties in all of these requirements make credit cards near-impossible to use for car purchases.

How does a trade-in help with dealer financing?

When you have a car to trade-in, it's like giving the dealership cash. The trade-in price the dealer offers serves as your down payment, which lowers the amount you need to borrow. Dealers may offer lower interest rates and/or allow more room for negotiation when you have a trade-in or cash to put down on the car.

What is a balloon payment?

We are very weary of loans with balloon payments, especially when it comes to dealer financing. Dealers lure you in with low monthly payments which seem affordable, but don't emphasise how the balloon payment works. In reality, you sign up for lower-than-normal repayments. This means you owe a large amount at the end of the term, which may be only a couple of years away. The amount owed is due in one lump sum at the end of the term (unless you refinance the debt). Balloon payments take their name from their size - a big balloon of money. But there is a lot of downside, and we believe the risks can outweigh the benefits. 

Our dedicated balloon payment guide outlines everything you need to know.

Should you focus on more than the interest rate?

Yes, the interest rate is important, but it's not the only factor. Look at the total financing cost. Your lender must, by law, give you this information. It will include all costs - interest rate, upfront fees, early repayment fees, default charges, security discharge fees, and the total amount of interest you're expected to pay.
 
Our view is simple - the best loan is the cheapest overall. It may be the loan with a higher interest rate but lower fees and/or a better term. Don't be enticed by a low interest rate or interest-free terms; look at the fine details and the total cost of borrowing.

Can you use your home's equity to buy a car?

Yes - you may use your home's equity to buy a car and increase your mortgage balance. It's the most affordable option for some people because of the comparatively low interest rates (7.50% p.a. home loan rate vs 10% p.a. car loan rate etc). However, the costs of borrowing can have long term effects. If you increase your mortgage balance and spread the payments out over many more years, a short-term car loan may be more cost-effective. 
 
For example:
  • Car loan value: $10,000
  • Mortgage repayment terms: 7.50% for 25 years - total amount to repay: $22,170 (per our mortgage calculator)
  • Car loan terms: 10% for 3 years, plus $500 loan advance fee. Total cost: $11,616 + 500 (fee) = $12,116 (per our car loan repayment calculator)
  • What is cheaper? In this example, the overall borrowing cost is far lower with a separate car loan as you repay the balance over a shorter period (compared to adding the balance to your mortgage).

Personal Loans vs Car Loans

Conclusion: Choosing the Right Car Finance for You – Car Loan, Personal Loan, or Balance Transfer Credit Card

Choosing between the car loan, personal loan, or balance transfer credit card may seem difficult, but here are simple steps you can take to find the best deal:
  1. Shop around with different lenders, including the car dealer (if applicable) and car finance specialists. Get offers from each and compare the interest rate, repayment amount, total cost, and loan terms. Our best car finance guide outlines everything you need to do to save.
  2. Look at the bottom line. How much will each option cost? Look at total interest charges and include the early repayment penalty if you're likely to repay before the loan ends.
  3. Decide which payment suits your monthly budget best and make sure its long-term obligations are suitable. Our car finance repayment calculator indicates what you'll pay based on the amount you borrow, interest rate and the number of years you plan to repay.
  4. Once you've chosen the right lender for you, you can close the loan and buy your car with confidence that you're not overpaying.
Related Guides:

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  • Car Loan Guarantors

Popular Comparisons
  • Car Dealership Finance vs Alternative Finance

Popular Guides
  • How to Save for a Car
  • Car Loans and Collateral 
  • Bad Credit Car Loans
  • Balloon Payments
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Car Finance Company Reviews:
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  • Kiwi Car Loans Review
  • MTF Finance Review
  • Simplify Loans Review
  • Car Loan Brokers vs Direct Car Finance Companies

Car Loan Insurance
  • Mechanical Breakdown Insurance (MBI)
  • Payment Protection Insurance (PPI)
  • Guaranteed Asset Protection Insurance (GAP)
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  • Loans & Finance
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  • Insurance
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  • Credit Cards
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    • Reviews
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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  • Mortgages
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • NZCB Review
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  • KiwiSaver
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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    • Car Dealerships Explained
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Australia and the Pacifc
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      • Americas & Africa
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
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    • Best iPhone Plans
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  • Broadband
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    • Internet Speed Test
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  • Power
    • Compare Power Companies
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    • Power Companies
      • Contact Energy Review
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      • Powershop Review
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  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
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      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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      • Tips for Families on a Single Income
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    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
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      • Stealth Wealth
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      • Dental Costs
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    • Challenging Economic Conditions
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      • How to Protect Your Finances from Inflation
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
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      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
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      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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    • Tax
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      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Tax Refunds
  • Life Essentials
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      • Make Money Online
      • Paid Survey Websites Review
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        • Nielsen Homescan Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
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      • Free Samples
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    • Kids Eat Free
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    • Meal Kits & Supermarkets
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      • HelloFresh Review
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      • Supermarket Christmas Clubs
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    • Entertainment
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
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    • Living Essentials
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