Jodie Humphries

What is LatitudePay and how does it work?

LatitudePay is a buy now, pay later (BNPL) provider with a similar business model in New Zealand. It lets you spend up to $1,000 and pay it back in 10 weekly instalments, with the first instalment due on the day of the purchase.

What happens if I don’t activate a credit card?

Most credit cards cannot be used until they are activated, but leaving a card unactivated also carries some fraud risk. Check if you can cancel the card.

What is a "Buy Now Pay Later" service?

Buy Now Pay Later (BNPL) platforms allow paying for your purchases using an app and repay the amount in affordable instalments over time.

What is a bad credit score and how does it affect you?

A bad credit score can make it challenging for you to be approved as a borrower, but you can work towards getting a better score.

What should I do if I have problems repaying my mortgage?

If you need help repaying your mortgage, you may want to talk to your lender about their hardship options and check if you can defer or reduce your repayments.

How does Fupay work?

Fupay offers customers small loans, either as cash transfers or credit, to cover expenses like house rent, utilities, and food bills.

What is an NFT?

A Non-Fungible Token, also known as an NFT, is a certificate of authenticity and proof of ownership. NFTs are blockchain assets and used in the art world and other applications.

What is Klarna and how is it different from other Buy Now Pay Later services?

Klarna is a buy now, pay later (BNPL) service that can be used at almost any retailer, even outside the company’s partner network. You can use Klarna to pay for your shopping in four equal interest-free instalments, but late fees may apply if you fall behind your repayment schedule

How much money can I borrow for a car loan?

Like with any loan, how much you’re approved to borrow with a car loan depends on your income, expenses, and credit habits.

Does applying for a credit card affect credit rating?

Your credit rating can be influenced by multiple factors, and sometimes simply applying for a credit card may negatively impact it. Learn how this works to protect your rating.