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.
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.
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.
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.
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.
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.
You may provide images of yourself with your photo ID:
This can be any of following:
An official document that has your legal name and current residential address, such as:
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.