Licensing & Legal Status

ILOAN NZ Limited (FSP1010485) is a registered Financial Service Provider (FSP) under New Zealand law.

About Our Engagement

We operate with a client-first approach, offering vehicle finance solutions tailored to your unique goals and circumstances. Our team of Business Managers follows a robust advice process, prioritising your interests and exercising care, diligence, and professional standards mandated by the Code of Professional Conduct for Financial Advice Services and the Financial Markets Conduct Act 2013.

Nature & Scope of Our Services

We specialise in providing automotive finance solutions, including:

• Car, motorbike, boat, caravan, campervan, and jet-ski loans

• Refinancing existing vehicle finance

• Equity release using existing vehicle ownership

Our services include pre-approval, tailored guidance, and streamlined applications through a hand-picked team of experienced Business Managers.

Fees, Commissions & Fee Disclosure

• Establishment Fee: May be charged by lenders; varies depending on provider.

• Introducer Fee: A fee that iloan may charge—details specified during discussion.

• Commission: iloan may receive commission from lenders or insurers related to approved finance or insurance products.

• Interest Income: iloan may earn ongoing income based on the financed amount.

All fees will be disclosed to you in writing before your application is confirmed.

Insurance Products & Guidance

While we don’t provide advice directly on credit-related or asset insurance (like loan protection or mechanical breakdown cover), we can offer information and assistance to help you secure these products through trusted partners, should you wish.

Prioritising Your Interests

iloan operates under the Financial Markets Conduct Act 2013 and adheres to the Code of Professional Conduct for Financial Advice Services. We are committed to:

• Acting in your best interests

• Exercising care and diligence in all advice provided

• Maintaining ethical, competent client service

Conflicts of Interest & Incentives

iloan may receive income or non-monetary incentives (e.g. business rewards) from providers. We manage any potential conflicts through strict company policy and ensure that your interests always come first.

Complaints & Dispute Resolution

If you are unhappy with any aspect of our service:

1. Contact us at hello@iloannz.com or 0800 456 2647 (ILOANHQ).

2. We aim to acknowledge and resolve most complaints within 10 working days.

3. If unresolved, you can escalate to Financial Services Complaints Limited (FSCL), an independent dispute resolution body.

We will guide you through the next steps if needed.

Privacy & Consent

By applying with iloan, you consent to:

• Verification of your information with third parties (credit agencies, government records, etc.) for loan assessment, fraud prevention, and legal compliance.

• Your personal data may be held for the duration of your loan, plus an additional six months post-repayment.
  Please refer to our Privacy Policy for comprehensive details on information handling, rights of access and correction, and how we protect your data.