MoveSmart®


Ease the stress of moving by spreading the cost over up to 24 months.
MoveSmart® makes life easy when you move into a new Rental Property by combining all the costs into one manageable loan of up to $3,000 that you can pay off over up to 24 months.
Money to pay your Bond, Advance Rent and Letting Fee is paid directly to your landlord overnight and the remainder goes to you, so you can hire a moving truck or perhaps buy a new couch.
Take the stress out of moving with a MoveSmart loan from NZCG
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Our easy to follow process


What do I need to apply?

To support your online application and so that we can provide you with a quick credit decision, please send us the following when applying for a Personal Loan:

  1. A clear copy of your current Restricted for Full Drivers Licence (cannot accept Learners)

  2. Two months recent, concurrent Bank Statements showing all transactions

Frequently Asked Questions
  • What is your interest rate?
    The interest rate for a MoveSmart Loan is 24.95% p.a.
  • What is your Credit Criteria?
    Our standard Credit Criteria requires customers to be at least 21 years old and earning at least $500 per week from full or part-time work.
  • What can i use a MoveSmart loan for?
    You can use a MoveSmart loan for Bond, Advance Rent, Letting Fees, Furniture Removal or any associated moving costs.
  • Can i be Pre-Approved?
    Yes. Many Tenants find this the easiest way as it gives them peace of mind to go house hunting knowing the costs of their move will be covered. Pre-Approvals are valid for 30 days only.
  • Can I pay the loan off early?
    Yes we encourage this and many MoveSmart customers do. If you wish to pay the loan off early there will be a $40 Early Termination Fee.
Personal Loan Process
Step 2
Send us your id and bank statements.
Step 3
Your loan will be approved in minutes, so that you can find a house.
Step 4
Send us a copy of your tenancy agreement, and then sign the loan contracts.
Step 5
We pay your landlord directly.

Low fees, no surprises


Minimum Security Requirements

MoveSmart loans are unsecured

Credit Contract Indemnity Insurance

Credit Contract Indemnity Insurance can protect you and your family's financial situation in event of the unexpected including Death, Accident, Illness, Redundancy, Business Interruption, Bankruptcy, Suspension and Hospitalisation that occur during the period of insurance (term of the loan agreement).

For the full terms, conditions and benefit, please refer to the policy booklet.

MoveSmart® Fees
To vary the loan $95.00 Application Fee $295
Payment handling $1.50 (per week) Credit Checking & PPSR Registration $31.00 To top-up the loan $10.00
To vary the loan $10.00 To repay the loan early $40.00

NZ Capital Group offers low fees with no hidden surprises. All fees are included in the loan repayments.

Other fees and charges may apply and are clearly listed and disclosed on the loan agreement. To avoid late payment fees please call us on 0800 002 844 if you need any assistance to restructure your payments or help with a missed payment.