risking the roof over your head by getting an unsecured loan. You will generally pay higher interest and other fees so be mindful of these. Below are some of the criteria for unsecured loans NZ borrowers need to pass:
Most NZ lenders will only entertain applicants who are citizens or permanent residents of the country. You must also be currently living here and not just visiting. You will have to submit your ID to prove your identity and verify your citizenship. A passport or drivers license will do. It has to be current and valid.
You need to be older than 18 in order to apply, although most applicants are typically much older than this given the other requirements that must be satisfied. This is more of a legal limit to ensure that the person can be involved in such a transaction.