Check Your Eligibility Before Applying.

To help us assess your application quickly and fairly, please review the general eligibility requirements below.

If you’re unsure about anything, you’re still welcome to apply — or get in touch for a quick chat.

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General Eligibility

To apply, you’ll generally need to:

  • Be 19 years of age or older
  • Be a New Zealand citizen, resident, or hold an acceptable visa
  • Have ongoing employment or a regular, verifiable source of income
  • Meet lender credit and affordability criteria

Please note: All applications are assessed individually and subject to responsible lending and affordability checks. Meeting the criteria does not guarantee approval.

Vehicle Finance (Additional Requirements)

In addition to the general eligibility, applicants will typically need to:

  • Hold a valid NZ driver licence (restricted or full)
  • Have a credit history that meets lender criteria (minor credit issues may be considered)
  • Have no recent bankruptcies, repossessions, or debt-related court judgments (timeframes vary by lender)
  • Some lenders may consider applications supported by Sole Parent Support, subject to income verification, affordability, and licence requirements.

Please note: Sole Parent Benefit recipients may be eligible with a restricted or full NZ driver licence.

Personal Loans (Additional Requirements)

In addition to the general eligibility, applicants will typically need to:

  • Applicants may provide valid NZ-issued identification, such as a NZ passport or driver licence

Please note: Personal loans may be secured or unsecured, depending on the lender and the applicant’s circumstances. Identification requirements vary, and a valid NZ passport or driver licence may be accepted.

Renovation Loans (Additional Requirements)

In addition to the general eligibility, applicants will typically need to:

  • Applicants must be homeowners

Please note: All renovation loan applications are subject to lender approval, including property and affordability assessments, in line with responsible lending obligations.

General Eligibility

To apply, you’ll generally need to:

  • Be 19 years of age or older
  • Be a New Zealand citizen, resident, or hold an acceptable visa
  • Have ongoing employment or a regular, verifiable source of income
  • Meet lender credit and affordability criteria

Please note: All applications are assessed individually and subject to responsible lending and affordability checks. Meeting the criteria does not guarantee approval.

One Bridge Finance acts as an intermediary. We assess your information and submit applications to a panel of third-party lenders. Loan approval, terms, and conditions are determined by the lender and are subject to their credit and affordability criteria.

By clicking “Let’s Get Started” you confirm that the information you provide is true and correct to the best of your knowledge. You also consent to One Bridge Finance collecting, using, and sharing your information with relevant third-party lenders for the purpose of assessing your application, in accordance with our Privacy Policy and our Terms & Conditions.

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Your application

When completing this application, please ensure your answers are accurate and reflect your current situation.

If you have any questions, or would like to chat first, just let us know.

Review Your Eligibility
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One Bridge Finance is operated by AM & RJ Holdings Limited (NZBN 9429051241766), trading as One Bridge Finance.
Financial Service Provider No. FSP757851.
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