We do need to complete a credit check in order to be able to accurately estimate your personalised loan terms.

However, in New Zealand, as part of getting a quote before proceeding with an application, we are able to review your credit information with a bureau (also called a credit reporter) through a 'quotation enquiry'. This quotation enquiry is recorded on your credit file, but may not be used by the bureau to create your credit score. A 'credit check' will only be registered on your credit file if you choose to proceed with the loan application, and may be used by the bureau to create your credit score.  

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