News & Views

Follow our content for tips & ideas from the Loanspot team

Thanks for joining us.
We're glad you came to visit!


This is where we share our ideas with existing and prospective clients, give guidance on borrowing and provide some great ideas on how to avoid or minimize debt. You can also follow this content on Facebook.

Thinking about a vehicle loan? Picking the Right Car Loan Structure for Your Needs
19 May 2024

You’re about to get behind the wheel of your new car. It’s gleaming in the sunlight, probably as clean as it will ever be. But is your vehicle loan a good fit, too?

Do you know your money mindset?
05 March 2024

Have you ever thought about how much your financial outcomes are affected by your individual money mindset? While we might think of it as all about the numbers, our money lives are often shaped by things like our thoughts, beliefs and emotions...

Your Guide to having a classic Kiwi Summer
20 January 2024

As you sift through your travel packing checklist, don't forget to throw in a little extra something – your very own Kiwi Summer toolbox. Packed with helpful, interesting, and downright quirky links, this toolbox is your key to making the most of the season.

Summer Picks - Reads and Podcasts
20 December 2023

Kiwi summers are all about hitting the road, soaking up the sun, and making memories. Whether you're embarking on an epic road trip or lounging at the beach, we've curated a list of our top reads and podcasts to keep you entertained!

Tips to pay off debt without sacrificing your lifestyle
17 November 2023

Debt can often feel like a heavy burden, causing stress and significant life changes. But what if there could be a way to manage your debt without sacrificing all the things you enjoy?

Simplifying Finances with Debt Consolidation
04 October 2023

Handling multiple debt payments can leave you feeling like you are conducting an orchestra, where each debt is like an instrument playing its own unique beat.

Top tips for car shopping Kiwis
20 September 2023

In search of the perfect set of wheels? Car shopping can be an exciting yet overwhelming experience, with a myriad of options to choose from and factors to consider.

3 Tips for Smart Loan Management
7 August 2023

In this article, we will provide practical tips on how to stay on top of your loans, including budgeting tips, making timely payments, and building a strong financial foundation.

Personal Loans 101: Key thing to know
4 August 2023

In this article, we'll cover things you need to know about personal loans in New Zealand, empowering you to make informed choices that suit your needs and financial goals.

Planning a holiday on a budget.
21 July 2023

Planning a budget-friendly vacation? No worries! Let's go through some practical steps to make sure you have an amazing trip without breaking the bank.

Money Mindfulness: Having Fun While Being Financially Responsible
5 July 2023

When we think about managing our finances, being mindful might not be the first thing that comes to mind. But what if we told you that incorporating money mindfulness can actually make it more enjoyable and help you strike a balance between having fun and staying financially responsible?

What's your money personality?
12 July 2023

Let's talk about something exciting - your money personality! We're going to take a fun journey to discover your money personality.

Three Awesome Kiwi Budgeting Apps
4 July 2023

Managing personal finances effectively is important in today's fast-paced world. Budgeting apps have emerged as powerful tools to help individuals track expenses, save money, and achieve their financial goals. For our fellow Kiwis, we have handpicked three budgeting apps we think will help bring order and control to your financial life.

5 Simple Habits to Improve Your Financial Health
23 June 2023

In today's fast-paced world, maintaining good financial health makes sense when it comes to achieving a secure and fulfilling life. Adopting a few simple habits can help you take control of your finances and build a brighter financial future.

How to Use a Personal Loan to Build Your Credit Score
16 June 2023

A good credit score can open up opportunities for more favorable loan terms, lower interest rates for credit and personal finance. In this practical guide we will discuss how you can leverage a personal loan to build your credit score, paving the way for a healthier financial future.

The Top 10 Habits of Highly Successful Savers
12 June 2023

There are some amazing habits and strategies that highly successful savers swear by. So in this article, we're going to dive into the top 10 habits of these savers to inspire and guide you on your own savings journey. Let's get started!

The Importance of Building an Emergency Fund
08 June 2023

With everything that's going on these days (like high-interest rates, and inflation), it makes good sense to put a little aside where possible to help build up your financial resilience. This is where having an emergency fund can play a key part in keeping your finances stable.

Five mistakes to avoid when applying for a loan
16 Feb 2022

A personal loan can be a handy financial tool, and a great way to access the funds you need. But before applying for your loan, here are some common mistakes to avoid.

What to know before getting a car loan
21 Jan 2022

Buying a car is an exciting time. Borrowing the money? Well, here are five things to check and understand before signing the loan agreement.

How to know when it’s time to replace your car
8 Nov 2021

Whether it is your first car, the car you had an epic summer road trip in or the car you taught your child to drive in, it can be hard to let go of a car you are attached to.

How to get road trip-ready
26 Jul 2021

If you’re one of the many thousands of Kiwis who loves a good summertime road trip, here’s some tips on how to make it a successful one.

Buying your car privately: What if something goes wrong?
03 Feb 2021

If you’re in the market for a car, your options are generally through a licensed dealer or privately. Check out our tips if your new wheels come from a private seller.

The cost of multiple credit cards
26 Jan 2021

More and more of us are using credit cards for our everyday purchases, but if you are running multiple credit and store cards, what are the risks and is it all bad?

Save money on the little things
19 Nov 2020

If you want to keep the smashed avocado toast, here are some other things to keep an eye on as opportunities to save money.

Need a new set of wheels for the family?
12 Jun 2020

From make, to model, to people mover or station wagon – the choice is dazzling. How do you get the right one for your unique family needs?

Keep your power bill cool over summer
5 Jan 2020

With the costs of the air-con and the extra drinks fridge cranking all summer long, you may get a bit of a shock at how quickly the costs of keeping cool add up.

Time to get serious about your finances this New Year?
17 Dec 2019

Planning some NY resolutions? You might be thinking this decade is the decade to really get on track with your fitness, your health – and your finances.

Get financially organised before your new baby arrives
04 Nov 2019

How can you keep the budget on track and still ensure you have all the necessities once the baby arrives? We’ve collected some tips to help you out.

How to cut costs on the fuel bill
24 Oct 2019

With summer just around the corner, you might be thinking about your holidays. Here are some fuel-saving tips to help you go the distance.

Making love and money last a lifetime
09 Oct 2019

Can’t have money discussions without an argument? We’ve collected some expert tips on how to keep your relationship in harmony with your money goals.

Why you need to take care of your credit score
19 Sep 2019

If you’re applying for a new loan, or maybe just changing your power company, one of the most important numbers you’ll need to know is your credit score. Here’s why

When is it a good idea to consolidate debt?
12 Sep 2019

Debt consolidation can help you manage your debt, and even pay it off faster. Let’s take a closer look at what it is and how it can help you become debt-free.

Selling a car with car finance owing
5 Sep 2019

Before you put your car up for sale, make sure you know the following ins and outs of selling a car with finance still owing on it.

Smart tips to fund a home renovation
22 Aug 2019

Whether you’re considering a cosmetic change or a more extensive makeover, there are several different options available to fund the costs.

The relationship between money and emotions
15 Aug 2019

Do you sometimes wonder why you never seem to have enough money to go around, no matter how hard you work? You are not alone...

Hidden costs of car ownership
8 Aug 2019

Owning a car isn’t just about the upfront purchase price; it’s the whole life cost of your vehicle that matters. That’s why it’s important to budget for all costs...

Should you finance or should you save for your new car?
1 Aug 2019

Looking to buy a car? Should you save for it or get finance? The answer depends on your circumstances. Let’s take a look at the pros and cons of each...

How to find the best personal loan for you
15 July 2019

While the interest rate may be a key focus when considering personal loans, there are other important considerations. Here are some key things to look at...

Five mistakes to avoid when renovating an old property
10 July 2019

A personal loan can help you fund your renovation, but if you want to keep your spending under control, these mistakes are to be avoided at all costs.

Questions to ask before buying a car
28 June 2019

If you’re in the market for a new set of wheels, you may be wondering how you can narrow down all the options. Check out our quick guide, to help you find the right car.

Smart money steps to take in your 30s
21 June 2019

Your 30s are a time of great change. If you’d like to get ahead and make some smart money decisions, here are some expert tips we’ve collected for you.

The pros and (many) cons of ‘homemade loans’
17 June 2019

Family loans seem to benefit all parties involved, but come with significant risks. Here are some key things to keep in mind if you want to borrow from family members.

Three steps to a lower interest rate
13 June 2019

Interest rates vary between lenders and are also based on a range of factors. Here, we give you three of our top tips to try and get a lower rate on your personal loan.

Top four reasons why Kiwis use personal loans
13 June 2019

Looking to make a big purchase and haven’t quite got all the funds available? A personal loan might be just what you need. 4 top reasons Kiwis take out personal loans.

Top things to look for in a family car
11 June 2019

Is it time to look at buying a new family car? Aside from safety and comfort, here are some things to look out for, sourced from Rightcar.

Winter is coming: how to keep your bills cool
7 June 2019

Winter is coming, and more heating generally means a higher bill; check out our tips to keep the power bill down while the heating is high.

These money lessons for kids will never grow old
30 May 2019

It’s never too early to learn about the basics of money management. Here are some great lessons you can teach your kids, according to ‘Get a Financial Life’ author Beth Kobliner.

Sharing hearts and wallets
13 May 2019

Different money personalities can mean friction when it comes to a joint bank account; we sourced some hot tips to help you manage your joint finances...

Why a rainy-day fund is a good idea
20 April 2019

Life is full of the unexpected and sometimes our finances can take a hit. A rainy-day fund exists for those moments.

Steps to create an abundant mindset
18 April 2019

Looking for some motivation to help you get your financial fitness up to speed? Try some of these tips from to build a positive financial mindset, that will help you build your wealth.

Personal loan rejected? What to do next
15 March 2019

Having a personal loan declined can be disheartening, but with a bit of effort and some good planning, you can get your finances back on track. Here are some smart tips to get started.

Do you know your credit score?
27 February 2022

Having a good credit score can help you in many ways – including reducing the cost of your bills or giving you access to more cost-effective interest rates.

Know your numbers with a personal loan calculator
17 October 2018

If you’re in the market for a personal loan, using an online calculator can help you work out different repayment scenarios.

Credit Concerns? How to get credit-record-ready for vehicle finance
20 September 2018

While bad credit can impair your ability to obtain car finance, depending on the circumstances, and the way you can demonstrate your money management now, you still have some options.

Aha! Time to give ‘future-me’ a chance
19 August 2018

You know those ‘aha’ moments when you realise that enough-is-enough; it’s time to sort this mess out and move on to brighter things? For me, it was my finances. This is my story.

Move closer to ‘Pay Off Day’ in four steps
28 July 2018

Like to get rid of your personal loan faster? Perhaps your income has increased, or are focused on minimising the cost of interest... Well, if you’re looking for ways to shorten the term of your personal loan, here are four smart strategies to try.

Using a personal loan to fast-track your home renovation
16 June 2018

Time to give your house a revamp? Renovating can be a great way to add value to your home, or simply make it feel like a ‘home’ again. But before that, you may be faced with planned costs and unexpected price tags.

How do personal loans work?
25 May 2018

Tying the knot soon? Finally taking that dream vacation you've always promised yourself? Or simply would like to regain control of your debts with one simple loan? Whether it's a surprise expense or a planned project, if you're thinking about applying for a personal loan, here are some key points to consider.

Time for a car loan health check?
9 January 2017

If you’ve had your car loan for a year or more, you might be ready for a review. Regularly taking a closer look at your loan could save you money and speed up the time it takes to pay it off. Let’s take a look at five simple ways to review your car loan.

On the road to buying your first car?
25 August 2017

Are you about to buy your first car? Becoming a car owner is exciting, and it’s also a big commitment. Cars are usually expensive so chances are you’re going to need to sign up for a car loan. Here are some things to consider before you choose a car and apply for finance.

Want to stop juggling debt?
4 December 2017

Multiple debts can get stressful very quickly, not to mention costly over time. If you’re juggling loans, repayments dates and different interest rates, it could be time to consider debt consolidation. One loan, one interest rate and one regular repayment. Intrigued? Read on…