To apply for a loan, you must:
Be 18 years old or above
Be a New Zealand citizen or permanent resident.
Hold a valid New Zealand driver licence, New Zealand passport, or a non-New Zealand passport if you are a permanent resident
You must have paid employment (which may include self-employment).
Have a clear credit file with no defaults, or bankruptcies
If you are not eligible now, it doesn’t mean you won’t be in the future.