How it works

Save My Bacon is a technology-based company that uses software automation, smart design and exceptional personal service to restore trust in the lending industry and to help responsible borrowers take control of their finances.

Our fair assessment process evaluates your unique financial situation and we look at more than just your credit score. This helps us build a better picture of your full financial profile so we can offer you a fixed-rate personal loan.

How is the Save My Bacon application process different?

Loan Process

We have built a secure and personalised online application process that takes just a few minutes to complete.

Once we have assessed your application, you will be provided with a loan decision. If we approve your loan on any business day, we will make the payment to your bank on the same day.

Our expert customer happiness specialists will personally handle any service questions or issues for the life of your loan, so please don’t hesitate to ask.


Enter your details and submit your application. Easy! And you have 7 days* to cancel.

We use exceptional service and technology to provide a streamlined online application that takes into account much more than just your credit score.

*Seven business days to cancel if disclosure documents were sent by electronic means. Nine business days if documents were mailed. For loans, the amount of any reasonable expenses and interest from the day the advance was received until the day the advance is repaid, as per the agreement still applies.


As soon as you have provided all of the information, we will evaluate your application and you will receive a loan-application decision.

Behind the scenes, we carry out a comprehensive affordability assessment of your financial profile and look beyond your credit score. In this way, we are better placed to understand you as an individual.

Our fully robust assessment process determines your suitability for, and the affordability of, a Save My Bacon loan.


We offer loans to financially responsible Kiwis. Once your application has been approved, we will let you know via text and email.


Once your loan has been approved, we will make a payment to your bank on the same day of loan approval. The time taken for funds to reach your account can vary depending on your provider. 

Real customer support backed by real promises and real people


We promise:

  1. to at all times keep you fully updated as to the progress of your loan application. Right from the start, you will receive texts to update you on your application and, on approval, you will also get an email outlining the details of your loan;

  2. to request additional information as soon as we need it, so we can proceed with your application. We will contact you to get it sorted as quickly as possible.

  3. that we will make the payment to your bank on the same business day that your loan is approved.

All loan applications are subject to responsible lending inquiries.

Frequently Asked Questions

What is the approval criteria for a Save My Bacon loan?

We are transparent about our approval criteria, and we encourage you to review the main approval factors here before you submit your application.

Will paying back a Save My Bacon loan improve my credit?

Comprehensive credit reporting allows Save My Bacon to report periodically on a borrower’s repayment history. So, yes, if you make your Save My Bacon loan repayments on time we will report positive repayment history, which in turn will improve your credit score. Likewise, however, please note that any adverse repayment history can potentially impact your credit score negatively.

How soon can I expect a decision?

If we have all the information required to make a responsible credit assessment, you will have a decision asap, depending on the time your application is received. We will keep you updated on the progress of your application via text and email. 

All loan applications are subject to responsible lending inquiries.