Part of the government's rescue package announced yesterday was a relaxation of lending rules to allow those affected by extreme weather to borrow ten thousand dollars.
The change means that lenders wont' have to do affordability tests on prospective borrowers.
It's a move that some budgeting advisors have advised against - saying people who simply cannot afford the credit will end up in a worse financial situation.
One of those is David Verry, a Financial Mentor with North Harbour Budgeting Services and a former banker of three decades.
He's already concerned about the proliferation of Buy Now Pay Later transactions - with new data predicting a 28 per cent increase this year to one-point-seven billion dollars.