How to Apply

Are you an Existing Customer?

Welcome back.  You DO NOT need to apply on-line - that's only for first-timers!

Just contact your local branch or our Head Office directly by calling 0800 243783 or email Usually, we will only need to see your latest bank statement transactions; we can send you a text link so that your bank statements come directly to us, which will save you time.  We look forward to hearing from you soon!

Applying for your First Loan?

Here are the ways you can apply:

What happens next

So once you’ve finished your application and given us the required documents (see what we need from you) we’ll then process your application. This normally takes around 2-3 hours, depending on how busy we are when you apply.

If your application is approved, we’ll call you to chat about the next steps. Note: an establishment fee, interest and other fees may apply. Please refer to our Fees and Charges page for more details.

If your application is declined this time, we’ll let you know, but it is company policy not to explain why your application was unsuccessful. If your circumstances change at any time feel free to reapplying again in the future. 

Applying online is easy:

  1. Step One

    Fill out our online loan application form.

    Application Form
  2. Step Two

    Attach two types of ID, your last 3 months of bank statements and two bills or letters that have been posted to you at home within the last two months (or you can email, fax, post or drop them into your nearest branch).

  3. Step Three

    We’ll process your application form and get back to you with an answer, usually within 2 – 3 hours.

  4. Step Four

    If your loan is approved, you will need to send original signed direct debit forms back to us.  You’ll also need to sign and return your loan agreement. Then your loan will be deposited into your bank account overnight.

NB: Signed Direct Debit Authority form originals must be posted/couriered to us or dropped into a local branch before we can issue the loan - the banks need to see original docs, not faxed or emailed copies! We can start the application process before receiving the direct debit forms, but not complete it.

What we need from you:

Before we can hand you over some extra cash, there a few things you need to show us:

1. Bank statements from the last 3 months

The first thing we need to see is a copy of your bank statements which show all transactions over the last 90 days. If you only get your bank statements via email, you could try printing them via internet banking or ask your bank to print them for you. 

2. Two forms of ID

Suitable forms of ID include Passport, Drivers Licence, Birth/Marriage Certificate, 18+ Card, Community Services Card, Firearms Licence, Debit/Credit/EFTPOS Card or Super Gold Card.

Note: In general, we need one photographic ID plus one non-photographic ID.  So, for example, a Drivers Licence + Birth Certificate is OK, but Birth Certificate + EFTPOS card is unfortunately not an acceptable combination, as neither are photographic.  Please call to discuss whether the ID you have will be acceptable.

Even if you are unable to provide the required ID, we may still be able to ID you by running your details through an electronic ID service.  Some charges may apply.

3. Proof of Address - two letters or bills with your name and address on them

We need to have an up-to-date address for you just in case we need to get in touch. So, we’ll need you to provide two letters or bills that have been posted to you at your current home address within the last three months. For example, a letter from your doctor and a power bill. Just make sure they are from two different organisations. 

If you are renting and are one of the tenants listed on the tenancy agreement, a copy of your tenancy agreement would work as one of your letters/bills.

Unfortunately, your bank statements don’t count, even if they were posted.

Visit us at any of our branches:

Auckland Rescue Helicopter Trust Corporate Supporter 2013 / 2014

Chequers Finance Hamilton

Caro House
137 Alexandra Street
Phone: 07 838 2939

Chequers Finance Henderson

334 Great North Road
Phone: 09 836 6201

Chequers Finance Papakura

155 Great South Road
Phone: 09 299 7883

Chequers Finance Otahuhu

13 Criterion Street
Ph: (09) 276 4384