Safe Exit

Identity and Address Verification

Before you can make a Good Loan application, you will need to verify your identity and address.

This allows us to confirm who is making an application, and who we may be offering a loan to, so we comply with the laws about giving loans.

We use Centrix SmartID to verify your identity and address electronically:

  • If you have a passport or a NZ driver licence, you may use SmartID. 
  • This is a secure, streamlined way for you to electronically verify your identity and address from the comfort of your own home.
  • See below for more information on SmartID.

 If you don’t have a current passport or NZ driver licence, or if you are applying for a Good Loan in person with your Financial Mentor, scroll down for other identity and address verification options. 

Click here for more information about what to expect when applying for a Good Loan or here to learn about how we treat your privacy and personal information, and your rights and responsibilities as a Good Loans client.

What is SmartID?

We use Centrix SmartID as a secure, streamlined way for our client’s to electronically verify their identity and address. This gives you, as the client, the ease of completing a reliable identity verification process online using a smartphone or similar electronic device.

Centrix is a New Zealand-based credit bureau that has been operating since 2009.

If you agree to provide us with verification of your identity and address using Centrix SmartID we will send you a text link to complete your verification. When you click on that link, you will be asked to follow the process illustrated below, including consenting to share your identification information with us.

Once you have completed the Centrix SmartID identity and address verification process Centrix will securely provide a Centrix SmartID report to Good Loans.

How Centrix SmartID works.

To finish the process in one go it is best to have your identification ready, your phone charged and with enough data and time to finish once you have started.

Each SmartID link can be used to complete the process only once, although if you need to stop partway through you can click on the link later to start again from where you got up to before. 

To start – click link, read, and tick to consent:

You are texted a link to a page starting with privacy where you can consent to sharing your information by ticking ‘Accept Privacy

Step 1 – select ID type and photograph ID:

Select your ID type, then use your phone camera to take a clear crisp photo of it, without shadows or light.

SmartID reads the photo and records image text like name and date of birth.

Step 2 – take a video selfie:

Take a video selfie with your phone, showing a front and side view of your face. 

SmartID biometrically matches your video selfie with your ID photo, and that the information is correct against official data sources. 

TIP – make sure there are no strong shadows or glare on your face – a poor quality video may mean SmartID can’t identify you. 


TIP  take photos again and again until you have a crisp, clear image with no blurring, strong shadows or light – a poor quality photo may mean SmartID can’t identify you.

Step 3 – review and correct your personal information:

Review your personal details to make sure your first name, last name and date of birth are exactly the same as on your ID – if they do not match SmartID will not be able to verify your identity.

Press “No – I need to make a change” to manually correct all errors.

SmartID checks your name and date of birth against a number of databases to confirm your identity and whether you are a Politically Exposed Person (PEP).

Last step 4 – enter, select and confirm your address:

Start entering your current residential address, select the correct address from the options, then press submit to confirm the address is correct.

SmartID checks this against several databases, to verify it as your current address.

 NOTE  to get good images you may be asked repeat the photo or video steps.

You have finished SmartID.

Once you have finished SmartID

A Centrix SmartID report is provided to your Good Loans Advisor or Financial Wellbeing Coach. They will contact you to discuss any verification issues or, where your identification has been successfully completed, to continue the loan application process. 

Note: if SmartID has verified most, but not all, of your identity and address information, we may have a simple workaround to help you complete the SmartID verification process. Your Good Loans Coach or Financial Wellbeing Advocate will talk you through anything you need to do. 

Frequently asked questions

Any smartphone with a front and rear camera and the ability to connect to the internet will be able to do a Centrix SmartID verification.

The process can also be completed on a tablet with these features if the texted link can be accessed on that device.

Please note, the link can only be sent to a phone number.

The process is quick and not data intensive, similar to sending a selfie to a friend.

The SmartID process can be completed in a few minutes – all required is taking a photo of your ID document and recording a short video of yourself.

The link is available until accessed, although each link can only be used once. If you partially finished a link and close the page, clicking the link you were originally sent will take you back to where you left off. Ask your Good Loans Advisor or Financial Wellbeing Coach if you need them to send you the link again.

We can only access your personal information with your permission. The Centrix SmartID process involves comparing your image from your scanned document with your video selfie and against registers such as the Driver’s License database. These are all secure connections to keep your information safe.

The Biometric information is held in a secure environment in Microsoft Azure, and you have consented for only Good Shepherd NZ to access this information for Good Loans. Microsoft Azure has an excellent security reputation and Centrix also have strong security protocols. These include security protocols such as digital certificates, advanced cryptography, and encryption.

No – you have only given Good Shepherd NZ consent to access your personal information, and they can only use it for the purposes stated in their Good Loans Client Rights and Responsibilities Statement.

Know who you are providing personal information to and the reasons why. Only click on links when you expect to receive them, and never give out passwords.  Always read the Privacy Notices on who is getting access to your information and for what purposes. It should be clear and easy to understand.

All consumers can request access to the information held about them at a Credit Reporting Bureau such as Centrix. You can also ask your Good Loans Advisor or Financial Wellbeing Coach for a copy if you wish.

Other identity and address verification options:

Face-to-face option with a Financial Mentor:

If you are having a face-to-face appointment with your Financial Mentor to make your Good Loan application, then you will need to provide your original identity and address documents (see some options listed below) to be copied at that appointment.

Phone based option, if you don’t have a passport or NZ driver licence:

You may provide images of yourself with your photo ID:

  • Email a head-shot image with your photo ID next to your face, so it can clearly be seen that your face matches the photo on the identification.
  • If you attend a loan application appointment via video call you may hold your photo identification up to your face during this appointment, so a screenshot image can be taken with your photo ID next to your face.
  • You will also need to provide images (photos or scans) of the back of your photo ID (unless it is a passport), plus images of other appropriate supporting identification and address verification documents.
Documents to verify your identity

This can be any of following:

  • A New Zealand driver’s license AND a supporting form of ID such as NZ bank statement, item or statement from a government agency (e.g., Community Services Card).
  • One form of photo ID such as a driver’s licence, Kiwi Access or 18+ card AND a supporting form of non-photo ID such as a birth certificate or certificate of citizenship.
  • One form of primary photo ID such as a passport or firearms license.
Documents to verify your address

An official document that has your legal name and current residential address, such as:

  • A New Zealand driver’s license
  • A power, gas, water, internet or rates bill
  • A government document, a bank document or insurance policy
  • A document from an NZQA registered education provider
  • A residential rental agreement
  • A letter from your current employer
  • Confirmation of other loans

If you have recently moved or are in temporary accommodation, we may need some more information.

This is not a full list of verification we can accept, so please ask if you have other identification documents.


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STOP - Please confirm your eligibility

We provide loans for essential items but not for cash, vacations, or normal household bills like food or future rent.

To apply for one of our Good Loans you must be:

STOP - Please confirm your eligibility

We provide loans for essential items but not for cash, vacations, or normal household bills like food or future rent.

To apply for one of our Good Loans you must be: