Quantum Finance
Your application is not simultaneously approved and declined until somebody opens the envelope. It is one or the other, a person decided it, and you are entitled to know which. Finance is disappointing that way.
- Same-day approvals available
- FMA-licensed adviser (FSP1008126)
- 100% New Zealand owned
The one place the joke almost works
There is a version of this that is very nearly true, and it is worth knowing about because it costs people money.
A credit enquiry leaves a record. A formal application is an observation that changes the thing being observed - it appears on your file, and enough of them in a short window makes the next lender more cautious. So the state of your application genuinely is altered by the act of checking, which is the closest finance gets to physics and is entirely unromantic.
How to look without collapsing anything
Ask for numbers rather than submitting applications. We can tell you what a loan would cost, over what term, and whether it is likely to be approved, without touching your credit file. That conversation is free and leaves no trace.
The formal application comes after, once there is something worth applying for. One well-aimed application at a lender likely to say yes is worth more than four hopeful ones, and it leaves your file in better shape for the next time.
That is most of what a broker is actually for. Not access to secret rates - knowing which lender to ask, so you only have to ask once.
Does asking you for a quote affect my credit score?
No. Asking what something would cost is not an application and leaves no record. Only a formal application does that, and we will tell you before we submit one.
Why do multiple applications hurt?
Each one leaves an enquiry on your file, and a cluster of them in a short period reads to the next lender as somebody being repeatedly declined. The information is the same either way, but the pattern is what gets noticed.
So is my application approved or not?
One of the two, and we will tell you which. All lending is subject to lender assessment and approval, and no part of that process involves a cat.
How it works
Apply for your loan
Complete the online form or give us a call and we will get your application underway.
We will reach out
We will call to understand what you are trying to achieve and gather anything else that helps get you approved.
Ready to go
Once approved we send your documents to sign, and payout follows shortly after.
Get started today
Tell us what you are looking to finance and we will come back with real options - usually the same day.