Last updated: May 2026
Pacific Finance Ltd is committed to protecting your privacy and handling your personal information responsibly.
This Privacy Policy explains how we collect, use, store and disclose your personal information when you use our website, apply for a loan, contact our team or interact with Pacific Finance.
This policy is designed to comply with the Privacy Act 2020 and other relevant New Zealand laws and regulations.
Who we are
Pacific Finance Ltd
2018 Great North Road
Avondale, Auckland
Phone: 0800 744 227
Website: www.pacificfinance.co.nz
What information we collect
We may collect personal information including:
- your name
- date of birth
- address
- phone number
- email address
- identification documents
- driver licence information
- employment and income information
- bank account information
- loan application information
- repayment and credit history information
- communication records
- website usage and analytics information
We may also collect information when you:
- complete an online application
- submit an enquiry form
- contact our team by phone or email
- visit our website
- interact with our advertising or social media channels
How we collect your information
We collect personal information:
- directly from you
- through online forms and applications
- through phone calls and emails
- from credit reporting agencies
- from government agencies where permitted by law
- from third parties you authorise
- through website cookies and analytics tools
Why we collect your information
We collect and use your information to:
- assess and process loan applications
- verify your identity
- carry out credit and affordability checks
- communicate with you
- manage loan repayments
- respond to enquiries or complaints
- comply with legal and regulatory obligations
- help prevent fraud
- improve our services and website experience
- provide marketing communications where permitted
Credit checks and verification
Where permitted by law, Pacific Finance may carry out credit checks and identity verification checks as part of assessing loan applications or complying with legal obligations, including Anti-Money Laundering and Countering Financing of Terrorism requirements.
This may involve sharing your information with:
- credit reporting agencies
- government agencies
- fraud prevention databases
- identity verification providers
How we store and protect your information
We take reasonable steps to protect personal information from:
- loss
- misuse
- unauthorised access
- disclosure
- alteration
Your information may be stored electronically and in secure business systems used by Pacific Finance and authorised service providers.
Disclosure of personal information
We may disclose your personal information:
- where required or permitted by law
- to credit reporting agencies
- to debt collection agencies where necessary
- to service providers supporting our business operations
- to regulatory or government agencies
- where you have authorised us to do so
We do not sell your personal information to third parties.
Marketing communications
From time to time, Pacific Finance may contact you about products, services or promotions that may be relevant to you.
You can opt out of marketing communications at any time by contacting us or using unsubscribe options where available.
Cookies and website analytics
Our website may use cookies, analytics tools and tracking technologies to:
- improve website functionality
- understand website usage
- improve marketing performance
- provide a better online experience
These tools may include Google Analytics, Meta tracking tools and other digital advertising technologies.
You can adjust your browser settings to disable cookies if you prefer.
Accessing and correcting your information
Under the Privacy Act 2020, you have the right to request access to personal information we hold about you and request corrections if required.
To request access or corrections, please contact us using the details below.
Contact us
If you have questions about this Privacy Policy or your personal information, please contact:
Pacific Finance Ltd
Email: loans@pacificfinance.co.nz
Phone: 0800 744 227
Changes to this policy
Pacific Finance may update this Privacy Policy from time to time.
Any updated version will be published on our website.