Before you apply, you will need:

details
Your current New Zealand full or restricted Driver Licence
employment
Your employment details
incomes
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 $2,500
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:
aplyid
We use APLYiD to verify your identity via your mobile phone
More information about APLYiD
Secure income and expense verification with:
bud
We use Bud to verify your income and expenses online
More information about Bud

What are you looking to purchase?

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Please add Purchased Item

Your personal information

Is this a single or joint application?  *

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Are you a New Zealand citizen or resident?  *

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Your address details

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Postal address
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Previous address details

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Employer information

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Do you receive other income?  *

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

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Tell us about your assets ?

Do you rent or own your home?  *

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Value
Vehicles
Furniture and household items

What are your financial commitments?

Limit
Monthly payments
Credit cards ?
Balance
Monthly payments
Loans ?
Total monthly payments
$ 0,000

What is your recurring household expenditure?

Monthly payments
Utilities Icon
Utilities ?
Living Expenses Icon
Living expenses ?
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Motor vehicle ?
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Dependent education ?

What are the other things you consider essential and cannot give up e.g. Child Support?

Total monthly payments
$ 0,000
Required

To speed up your application you can choose to also complete these optional steps now:

Main applicant:
Start ID verification using AplyID
We use APLYiD to verify your identity via your mobile phone
More information about APLYiD
Start income and expense verification using Bud
We use Bud to verify your income and expenses online
More information about Bud
Co-borrower:
Start ID verification using AplyID
We use APLYiD to verify your identity via your mobile phone
More information about APLYiD
Start income and expense verification using Bud
We use Bud to verify your income and expenses online
More information about Bud

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

Thank you for your application

Next steps

We will process your application in the next business day
We will process your application in the next business day
We need proof of your income.
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
call UDC
If you have any questions contact us by phone on
0800 322 888