EveryLoan is a New Zealand finance comparison and referral website. We help Kiwis explore finance options and then connect them with our trusted finance partner, Simplify Finance. EveryLoan is not a lender and does not make lending decisions or provide funding.

No. EveryLoan is not a lender and does not process or approve loan applications. Applications, lender matching, credit decisions and funding are handled by Simplify Finance and its lender partners.

EveryLoan helps you understand and compare finance options. When you choose to compare rates, you continue to Simplify Finance, where the application and lender-comparison process is handled directly.

Depending on availability and your circumstances, Simplify Finance may help compare options for products such as car loans, personal loans, leisure finance, refinancing and other eligible finance needs. Available products, lenders and terms can vary.

The effect on your credit file depends on the stage of the process and the checks carried out by Simplify Finance or its lender partners. Review the information shown during the Simplify application process before proceeding, as a formal credit application may involve a credit check.

Simplify Finance works with a panel of lender partners. The lenders considered for an application depend on the product, eligibility, circumstances and the lenders available through Simplify at the time.

Application times vary depending on the information required and your circumstances. Simplify Finance handles the application process and can provide information about what is required and the progress of your application.

Once you submit an application through Simplify Finance, Simplify handles lender matching and the next steps. They may contact you for additional information or documents and will communicate relevant options and decisions to you.

EveryLoan does not charge visitors a fee for using this website to learn about or access our comparison referral service. Any fees, rates, charges or costs associated with finance should be reviewed in the information provided by Simplify Finance and the relevant lender before accepting an offer.

Eligibility and lending decisions depend on your individual circumstances and the criteria of Simplify Finance’s lender partners. EveryLoan does not make credit decisions and cannot guarantee approval, a particular rate or the availability of finance.

If you continue to Simplify Finance and submit an application, Simplify Finance or an appropriate party involved in processing that application may contact you. EveryLoan does not process the finance application itself.

Information collected directly by EveryLoan is handled in accordance with our Privacy Policy. Information you provide after continuing to Simplify Finance is handled by Simplify Finance under its own privacy practices. You should review the relevant privacy information before submitting personal details.

No. Rates, lender availability, approvals, loan amounts and terms depend on your circumstances, lender criteria and the information provided during the application process. EveryLoan does not guarantee approval or a particular rate.

You should review the terms, interest rate, fees, repayments and other relevant information before deciding whether an offer is suitable for you. You are responsible for deciding whether to proceed with any finance offer.

For questions about EveryLoan, email info@everyloan.co.nz or call 021 166 6225 between 8am and 6pm, Monday to Sunday. For questions about an application submitted through Simplify Finance, contact Simplify Finance directly.