How we write our guides
Our guides are written by a team, not a named author, and they follow the same rules every time.
How pages are researched
Each guide starts with a question people actually ask, such as how to check a credit score or how long a default stays on a file. We answer it using official and primary sources first: New Zealand legislation, the Privacy Commissioner, the Commerce Commission, the Financial Markets Authority, Sorted and the credit reporters themselves.
Every guide has a Sources section at the bottom so you can check the facts yourself.
How often pages are reviewed
We review each guide at least every six months, and sooner if a law, a rule or a lender practice changes. The date shown on a guide is the date it was last reviewed or updated.
What we will not do
- We will not promise or suggest that anyone will be approved for finance.
- We will not invent reviews, quotes, testimonials, customer numbers or statistics.
- We will not invent people or credentials. Guides carry the Editorial team byline rather than a named author.
- We will not present indicative rates or examples as a quote or an offer of credit.
How we are funded
We are paid by lenders when a loan settles, which is explained on our disclosure page. Payment does not decide what a guide says, and we do not name lenders in our guides.
Not advice
Our guides give general information. They are not financial, legal or credit advice, and they do not take your personal situation into account. If you are in financial hardship, free help is available from MoneyTalks on 0800 345 123.
Corrections
If you spot something wrong or out of date, email info@secondchancecarfinance.co.nz. We will check it against the source and fix it.