This Act applies to a credit contract if it is governed by New Zealand law. You will also be covered by this Act if the contract would be governed by New Zealand law, except for a special provision in the contract. This means the Act covers contracts that should follow New Zealand law.

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View the original legislation for this page at https://legislation.govt.nz/act/public/1986/0120/latest/link.aspx?id=DLM213528.

This page was last updated on 1 January 2026 — View changes

Topics:

Money and consumer rights > Consumer protection

136: Application of law relating to illegal contracts, or

"What happens if a credit contract breaks the law"

137A: Class declarations about credit contracts and consumer credit contracts, or

"Rules about what makes a credit contract"

Part 6Miscellaneous provisions

137Conflict of laws

This Act applies to a credit contract, guarantee, lease, or buy-back transaction if the contract, guarantee, lease, or transaction—
is governed by the law of New Zealand; or
would be governed by the law of New Zealand but for a choice of law provision in the contract, guarantee, lease, or transaction.