Credit Sense

As part of the loan application process, we must make an assessment as you whether or not a loan contract is suitable for you.

In order to do this, we need you to provide us with a copy of your most recent bank statements going back 90 days and which show your salary being deposited into your bank account.

To make it easy for you to provide your bank statements, we have partnered with Credit Sense.

Credit Sense is an Australia company who works with the banks to electronically and securely send us a copy your bank statements for the last 90 days. Using Credit Sense means that you can avoid having to download and then upload your statements.

As part of the application form, you simply request your bank to provide us with read only access the last 90 days of transactions. Don’t be concerned, it is not possible for Instant Cash Online NZ to see or access your online banking password.

Your bank details are encrypted in transit and stored securely by Credit Sense.

Using the this facility is the quickest and most efficient way for us to process your loan application quickly.

If you require more information about Credit Sense or want to view their privacy policy visit them at

Why do we use Credit Sense?

  • Ensure a fast and easy application process
  • 100% Australian owned and operated company
  • Used by leading New Zealand and Australian lenders
  • Subject to and complies with all Australian and NZ laws