Before you apply, you will need:

Your current New Zealand full or restricted Driver Licence

Your employment details

Details of your income, expenses, assets & liabilities

In order to proceed with this application:

You must be a New Zealand citizen or have a New Zealand resident visa and you must be at least 18 years old

The loan amount you are applying for must be at least $10,000

By ticking this box, you confirm that:

You meet each of the requirements set out above
You have read UDC's Privacy Statement and you understand that it applies to your loan application
You have read UDC's Financial Advice Statement and you understand that any recommendations made by UDC in relation to your loan are not regulated financial advice
You understand that UDC's lending criteria applies to this loan application

To make things easier for you we now provide

ID verification made easy with:

We use APLYiD to verify your identity via your mobile phone

More information about APLYiD

Your personal information

Title *

Required

First name *

Required

Middle name

Last name *

Required

Mobile number *

Required

Email address *

Required

Date of birth *

Required

What are you looking to purchase?

Required

Purchase price *

Required

Loan term *

Required

Payments frequency *

Required

Deposit amount

Required

Make

Model

Model year *

Required

Please add Purchased Item

Your personal information

Is this a single or joint application? *

Single

Joint

Required

Marital status *

Required

How many dependants do you have?

Required

Driver licence type *

Required

Driver licence number *

Required

Driver licence version *

Required

Are you a New Zealand citizen or resident? *

Yes

Required

Country of birth *

Required

Country of citizenship *

Required

Country of citizenship *

Required

Remove

Your address details

Address *

Required

City *

Required

Postal code *

Required

Country *

Required

Time at current address

Required

Same as postal address? *

Postal address

Required

Residence type *

Required

Previous address details

Address *

Required

City *

Required

Postal code *

Required

Country *

Required

Time at address

Required

Postal address details

Postal address *

Required

City *

Required

Postal code *

Required

Country *

Required

Co-borrower personal details

Title *

Required

First name *

Required

Middle name

Last name *

Required

Mobile number *

Required

Email address *

Required

Date of birth *

Required

Marital status *

Required

How many dependants do you have?

Driver licence type *

Required

Driver licence number *

Required

Driver licence version *

Required

Is the co-borrower a New Zealand citizen or resident? *

Yes

Required

Country of birth *

Required

Country of citizenship *

Required

Country of citizenship *

Required

Remove

Do you live together in the same address? *

Yes

Required

Co-borrowers address details

Address *

Required

City *

Required

Postal code *

Required

Country *

Required

Time at current address

Required

Same as postal address? *

Postal address

Required

Residence type *

Required

Previous address details

Address *

Required

City *

Required

Postal code *

Required

Country *

Required

Time at address

Required

Co-borrower postal address details

Co-borrower postal address *

Required

City *

Required

Postal code *

Required

Country *

Required

Employer information

Employer name *

Required

Occupation *

Required

Employment type *

Required

Time in this job *

Required

How often do you get paid? *

Required

Income (take home pay) *

Required

How often does your partner get paid?

Your spouse/partner income (take home pay)

Do you receive other income? *

Yes

Required

Previous employer details

Employer name *

Required

Occupation *

Required

Employment type *

Required

Time in this job *

Required

Co-borrower employer information

Employer name *

Required

Occupation *

Required

Employment type *

Required

Time in this job *

Required

How often do you get paid? *

Required

Spouse/partner income *

Required

Do you receive other income? *

Yes

Required

Amount *

Required

Frequency *

Required

Description *

Required

Co-borrower previous employer details

Employer name *

Required

Occupation *

Required

Employment type *

Required

Time in this job *

Required

Is your income likely to decrease over the next 12 months *

Yes

Required

Tell us about your combined assets ?

Do you rent or own your home? *

Own

Rent

Required

Value

Vehicles

Value

Furniture and household items

Value

What are your combined financial commitments?

Limit

Monthly payments

Limit

Monthly payments

Balance

Monthly payments

Limit

Monthly payments

Total monthly payments

$ 0,000

What is your combined recurring household expenditure?

Monthly payments

Payments

Tell us about any other recurring expenses you have that you cannot give up (e.g. child support, child care, dependant education, other insurances, tithing)

Total monthly payments

$ 0,000

Notes

Required

You can speed up your application
with APLYiD and document upload (optional):

You can choose to complete APLYiD verification:

Main applicant:

Start my ID verification with

We use APLYiD to verify your identity via your mobile phone

More information about APLYiD

Co-borrower:

Start ID verification using AplyID

We use APLYiD to verify your identity via your mobile phone

More information about APLYiD

You can also choose to upload the following documents as part of your application:

Documents you can upload

Proof of address:
(one of the following)
- Utility bill
- Bank statement
- Rates bill
- Insurance policy
- IRD tax notification/Certificate
Primary ID documents:
(Not required if using AplyID)
- Passport
- Drivers licence

Upload documents

Required

Thank you for your application

Next steps

You will receive a confirmation email shortly

We will process your application in the next business day

We need proof of your income. We may also need to verify the financial information you have provided in which case we will require your last 3 months of bank statements

If you have any questions contact us by phone on
0800 322 888

We saved it!

Share your unique url

Request a call back

Call back requested

Before you apply, you will need:

In order to proceed with this application:

To make things easier for you we now provide

Your personal information

What are you looking to purchase?

Your personal information

Is this a single or joint application? *

Are you a New Zealand citizen or resident? *

Your address details

Previous address details

Postal address details

Co-borrower personal details

Is the co-borrower a New Zealand citizen or resident? *

Do you live together in the same address? *

Co-borrowers address details

Previous address details

Co-borrower postal address details

Employer information

Do you receive other income? *

Previous employer details

Co-borrower employer information

Do you receive other income? *

Co-borrower previous employer details

Is your income likely to decrease over the next 12 months *

Tell us about your combined assets ?

Do you rent or own your home? *

What are your combined financial commitments?

What is your combined recurring household expenditure?

You can speed up your application with APLYiD and document upload (optional):

You can choose to complete APLYiD verification:

You can also choose to upload the following documents as part of your application:

Upload documents

Thank you for your application

Next steps

You can speed up your application
with APLYiD and document upload (optional):