Welcome to Loan Spot’s ultimate guide to borrowing smarter, not harder!

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?

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...

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.

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!

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?

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.

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.

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.

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

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?

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

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.

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.

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.

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!

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.

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.

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

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.

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.

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.

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?

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

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?

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.

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.

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.

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.

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.

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

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.

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.

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

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...

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...

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...

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...

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.

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.

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.

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.

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.

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.

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

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.

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...

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

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

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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…