Typical FAQ's

Commonly Asked Questions


Q. How much money will we get?
A. We advance money in multiples of $5,000 (eg; $5000, $10000, $15000…) to a maximum value of 60% average of your last three bulk funding payments. We do this so you do not receive and spend too much of the payment too early which could leave you short in later months.

Q. When will I know if my application has been approved?
A. We have a 24 hour approval response time policy but usually we can advise approvals on the same day we receive your application and supporting information.

Q. How long will it take before we receive the funds?
A. We electronically transfer the funds into your bank account the day we receive the direct debit form in the post. This is almost always the day following your application.

Q. Is this a simple process?
A. Very much so. It is absolutely nothing like seeking a bank loan!

Q. Can I use this service more than once? 
A. Yes. You can use NZ Childcare Finance as often as you choose – it is entirely up to you.

Q. Can any centre use this service?
A. No. We are proud to be aligned to both the Early Childhood Council, and the Office of Early  Childhood Education, and work only with each of their members.

Q. Will I or my centre be locked into long term agreements?
A. No. Other than the standard loan term agreement which expires after the loan is repaid, there are no locked in term contracts.

Q. What if I need to personally talk to you about my centres cash flow?
A. No problem – just give us a call on our free phone 0800 777-559.  We would welcome hearing from you.

Apply Now and Receive Your Bulk Funding Early!


Simply download and read the documents below, complete and email these to us and post us the direct debit authority. We will do the rest.

After we review the application we shall confirm approval with you and transfer funds to your account on the day you need them.

It’s that easy!

Returning borrowers: Loan Application and Agreement – 2 pages

First time borrowers: Loan Deed | GuaranteeDirect debit authority | Loan Application and Agreement

Our Complaints Department

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Like every good business, a complaints department and proper process should exist, and we too have one!

If you would like to lodge a complaint or simply express concerns you may have regarding our business relationship, please call us direct on 0800 329-227 or email us. we would welcome your call and having an opportunity to put right an issue you may have as well as improve our service for you and other clients.

Alternatively you may contact Financial Services Complaints Ltd (FSCL) which is an Government approved, independent body established to assist you in a dispute resolution process. You may contact FSCL via their website www.fscl.org.nz.