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Repayment Waiver

We understand that unforeseen circumstances can occur after you have taken out a loan that may result in difficulty with your repayments. Only applies if you have been charged a repayment waiver fee.



  1. Total Disablement – An accident causing total physical disablement for not less than 7 consecutive days.
  2. Serious Illness – Any illness which shall independently of any other cause be the sole and direct cause of total disablement which prevents you from engaging in your usual business or occupation for a period of not less than 7 consecutive days.
  3. Redundancy – Officially notified redundancy from full time employment provided that you have been in permanent employment for at least 3 consecutive months prior to the notified redundancy.
  4. Death – your death.


If you have taken the optional Repayment Waiver and believe you have a valid claim, you can request a Repayment Waiver application form and instruction guide on this page. If you are unsure whether you have selected the Repayment Waiver please refer back to your contract.

Repayment Waiver application form and guide request:


    Once you have submitted your request you will be sent an application form (within 48 hours) to complete.
    This form sets out a series of questions which, when completed, will enable us to promptly assess your application. Please be specific with dates and times to avoid further follow ups or delays in processing your application. Depending on the reason for your application you will likely need to provide supporting evidence such as bank statements, medical certificates or letters from your employer.

    Yes you can apply by contacting us (in writing) at:
    Postal Address PO Box 87294, Meadowbank, Auckland

    You will need to provide your loan number and specify the event giving rise to your claim (e.g. illness, injury, redundancy, death).

    Whilst we will process all applications as promptly as possible. It is likely an application not submitted on our standard form and without required supporting documents may result in a slower assessment time. Therefore we recommend you request a Repayment Waiver application form by completing the information requested above.

    If you don’t meet the criteria outlined above (or in your contract), we still want to hear from you to discuss your situation. Our collectors may be able to offer something similar and will work with you to make your remaining loan payments more manageable. Please visit Repayment Problems instead for our collection contact details.

    Free Confidential Budgeting Advice
    If you are in need of financial advice or budgeting services, you can visit our External Resources page on our website, or contact:
    MoneyTalks – There is no cost for you to use the services of MoneyTalks.
    Phone: 0800 345 123

    External Complaints Scheme
    If after raising a complaint through our website’s Contact Us page, you find you’re still not satisfied with the resolution or clarification offered by our compliance team, you can contact our independent and external disputes resolution scheme:
    Financial Dispute Resolution Service (“FDRS”) – There is no cost for you to use the services of FDRS.
    Phone: 0508 337 337

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