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The Simple Loan Application Form is a fundamental document used by financial institutions in New Zealand to initiate the lending process. It is designed to collect comprehensive information from potential borrowers while ensuring compliance with New Zealand's regulatory framework, particularly the Credit Contracts and Consumer Finance Act 2003 (CCCFA), Privacy Act 2020, and Anti-Money Laundering legislation. This form serves as the primary tool for gathering necessary personal, financial, and employment information required for credit assessment. It is typically used when individuals or businesses seek personal loans, vehicle finance, or other consumer credit products. The document includes mandatory sections for applicant details, income verification, expense declaration, and privacy consents, as well as optional sections for joint applicants or guarantors when applicable.

1. Personal Information: Applicant's full legal name, date of birth, contact details, residential address, and time at current address

2. Employment Details: Current employer, occupation, length of employment, and employment status (full-time/part-time/self-employed)

3. Income Information: Regular income details, including salary/wages, rental income, and other sources of income

4. Existing Financial Commitments: Current loans, credit cards, mortgages, and other financial obligations

5. Loan Request Details: Amount requested, purpose of loan, preferred loan term, and preferred repayment frequency

6. Living Expenses: Monthly household expenses including utilities, food, transport, insurance, and other regular commitments

7. Assets Declaration: List of major assets including property, vehicles, investments, and savings

8. Privacy Consent: Authorization to collect, use, and share personal information including credit checks

9. Declaration: Applicant's confirmation that all information provided is true and correct