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Credit Sense

What is Credit Sense?

Credit Sense is a service used by Stadium Finance to facilitate automatic bank statement retrieval during the online loan application process.

Credit Sense is an Australian owned and operated company based in Brisbane and is used by a number of leading Australian and New Zealand lenders to ensure that credit provider assessments of customer transaction histories are consistent, fair, compliant and efficient.

New Zealand credit providers such as Stadium Finance are obligated to make reasonable inquiries about their customer’s personal situation and be satisfied that the products they are offering are not unsuitable. This enables Stadium Finance to engage our customers with a clearer understanding of their financial situation and more accurately assess the suitability of our products for our customers.

Credit Sense assists Stadium Finance to comply with all obligations to our potential customers required by law under the Credit Contracts and Consumer Finance Act 2003.

During the Stadium Finance Loan Application process you will be asked to input your online banking details so that a summary of your last 90 days bank statement can be retrieved for automatic analysis.

Please note: During this process your online banking details are not stored by either Stadium Finance or Credit Sense. To learn more about the Credit Sense service please visit To view Credit Sense’s privacy policy please click here.

Frequently Asked Questions

Q: Do I need my bank statements?
A: No. Stadium Finance offers its potential customers the ability to submit their last 90 days of bank transaction history through the Credit Sense service.

Q: How do you access my bank statement transactions?
A: Stadium Finance is granted encrypted access to your bank statement transactions through Credit Sense and your Internet banking service provider. During the Stadium Finance Loan Application process you will be required to choose your bank, then enter your Internet banking user ID and password. Credit Sense will download the last 90 days of transaction history and perform the automatic categorisation that Stadium Finance requires.

Q: How do I know that my Internet banking will remain secure?
A: We do not keep your Internet banking user ID or password. Your user ID and password is encrypted when you enter it, passed to your bank once to gain access to your transaction history and then permanently deleted. If you need to use us again, you will need to re-enter your user ID and password.

Q: How do I know my transaction history will remain
A: Your transaction history is encrypted whilst with Credit Sense and delivered to Stadium Finance using secure protocols.

Q: What else can I do to protect my bank accounts from third party access?
A: Your user ID and password are encrypted by Credit Sense as you enter them, once your transaction history has been obtained it is also encrypted and your user ID and password are permanently deleted. If you are still concerned, you could simply change your Internet banking password after using the Credit Sense service.

Q: Can other credit providers get a copy of a past assessment?
A: No. Only the credit provider (Stadium Finance who orders the assessment can obtain a copy of the assessment. Because Credit Sense does not maintain any identifiable information about credit provider applicants it cannot independently identify your assessment to provide it to other third-party credit providers.

Contact Us

Call 0508 588 522 or


Contact Us

Call 0508 588 522 or


Need a car loan? We can help you, anywhere in New Zealand!

  • Buy your car from any local dealer
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  • No deposit required (subject to approval)

At Stadium Finance, we specialise in all types of car loans and vehicle finance in NZ. And we are definitely not your average finance company.

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We offer car loans for all types of people and all types of vehicle

Whether you’re a young person looking to buy your first car, a family looking for a bigger, more modern vehicle, or an older couple looking to downsize your car – we can help you!

We’ve provided finance for 1000s of vehicles, for small run arounds for commuting to work or the shops, to mid-sized family cars, people carriers and station wagons for chauffeuring the kids to their various activities, to premium vehicles at the higher end of the market – we can finance them all!

Apply online in under 15 minutes - get approval in as little as two hours

Whether you're looking at a car from a dealer or private seller, we can help. You can apply online in under 15 minutes or call and speak directly to one of our car loan specialists.

We can help you choose the car loan to fit your needs and we can usually let you know within 2 business hours if you have been approved.

Contact Us

Call 0508 588 522 or