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This Cash Advance Loan Agreement template is designed for use by financial institutions and lenders operating in New Zealand's consumer credit market. It serves as a comprehensive framework for short-term lending arrangements, ensuring compliance with the Credit Contracts and Consumer Finance Act 2003 (CCCFA) and related financial services regulations. The document is particularly suitable for situations where borrowers require immediate access to funds with structured repayment terms. It includes all mandatory disclosures, borrower protections, and lender responsibilities required under New Zealand law, while maintaining flexibility to accommodate various lending scenarios and borrower circumstances. The agreement can be used for both consumer and small business lending, provided appropriate modifications are made to comply with relevant regulatory requirements.

1. Parties: Identifies the lender and borrower with full legal names and addresses

2. Background: Explains the context of the loan and the parties' intention to enter into the agreement

3. Definitions: Defines key terms used throughout the agreement

4. Loan Amount and Purpose: Specifies the approved loan amount and permitted use of funds

5. Interest and Fees: Details the interest rate, calculation method, and all applicable fees as required by CCCFA

6. Repayment Terms: Specifies repayment schedule, method, and frequency

7. Borrower's Representations: Borrower's confirmations regarding financial situation and information provided

8. Lender's Rights and Responsibilities: Outlines the lender's obligations under CCCFA and rights in managing the loan

9. Default and Consequences: Defines events of default and resulting actions available to the lender

10. Privacy and Information Sharing: Explains how borrower's personal information will be handled

11. General Provisions: Standard contract terms including amendments, notices, and governing law