Responsible Lending Information
Our commitment to responsible lending practices.
Last updated: September 2026
Our Commitment
Loan Link Limited is committed to responsible lending. We believe that access to finance should be provided in a way that is transparent, fair, and responsible. We work with lending partners who share this commitment.
Responsible Lending Principles
We and our lending partners follow these key principles: We assess each application carefully to ensure the finance is suitable for your needs and circumstances. We provide clear information about loan terms, fees, and interest rates before you commit. We do not encourage borrowing beyond your capacity to repay. We treat all clients with respect and fairness throughout the lending process.
Assessment Process
Before recommending any finance solution, we and our lenders assess your financial situation, including your income, expenses, existing commitments, and the purpose of the finance. This helps ensure the proposed finance is affordable and suitable for your business.
Your Responsibilities
As a borrower, you have responsibilities too: Provide accurate and complete information in your application. Consider whether the finance is affordable for your business. Read and understand the loan terms before signing. Contact us or your lender promptly if your circumstances change and you may have difficulty making repayments.
Hardship Provisions
If you experience financial difficulty and are unable to meet your repayment obligations, contact your lender immediately. Lenders are required to have hardship provisions under New Zealand law and may be able to offer assistance, such as restructuring your loan or temporarily adjusting repayments.
Disclosure Requirements
Our lending partners are required to provide full disclosure of loan terms, including interest rates, fees, total cost of credit, and repayment schedules, before you sign any agreement. You should read these documents carefully and ask questions if anything is unclear.
Contact Us
If you have any questions about responsible lending or our practices, please contact us at info@loanlink.co.nz or 022 326 7715.