In New Zealand if you have a Bureau credit score below 500 and adverse data on your credit report, you may not be eligible for a loan at this time.

If your Bureau score improves over time, we suggest you try again by getting a quote for the loan amount and interest rate you may be eligible for from Harmoney.

A quotation enquiry allows us to assess your credit history without it negatively impacting your credit score. Your credit score may be impacted by the credit check that is performed if you progress from a quote to a loan.

In Australia if your Bureau credit score is below 450 and you have adverse data on your credit report you may not be eligible.

You can find helpful information on what impacts your credit score and how to improve it in our Credit Score Bootcamp for New Zealand and Australia.