COVID-19 response

If you are looking for the latest legal information relating current Coronavirus laws in New Zealand, check out our Coronavirus and the Law section.

Communtity Law Manual | Credit & debt | Other legal protections when you get credit

If things go wrong

Other legal protections when you get credit

Automatic guarantees (Consumer Guarantees Act)

Consumer Guarantees Act 1993, ss 2, 21–38

Consumer credit contracts come under the definition of “services” under the Consumer Guarantees Act 1993, and therefore lenders must comply with the relevant guarantees under this Act (see “Automatic guarantees when buying from a business” in the “Consumer protection” chapter).

Protection against misleading conduct (Fair Trading Act)

Fair Trading Act 1986, ss 9–16

Lenders must comply with the Fair Trading Act 1986 and therefore aren’t allowed to mislead or deceive debtors about loans and their rights related to them (see “Protections against misleading or unfair trading” in the “Consumer protection” chapter).

back to top

Check out Frequently Asked Questions and Answers related to COVID-19 on our website here.

Community Law Centres across Aotearoa are operating remotely. Please contact them via the phone number or email displayed on the Centre’s page.

Find the contact details of your nearest Community Law Centre here.

Page Reader Press Enter to Read Page Content Out Loud Press Enter to Pause or Restart Reading Page Content Out Loud Press Enter to Stop Reading Page Content Out Loud Screen Reader Support