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Applicants must be aged 18 years and over and be a NZ resident. Available to individual personal banking customers only. A loan facility fee of $50 may apply. You have up to 21 days to draw down your loan after it’s been approved. Interest will only be charged from the first day of the loan term. Consolidating your loans will set the term of your existing loan to whatever term you choose for the new consolidated loan. This may mean that you’ll pay more interest on the original loan amount than was originally disclosed, as you could be extending the term.