Can I increase my funds by taking a loan from friends and will that affect my visa in New Zealand?
21 Jul 2026 · Answered by Swastika Ghosh · 1 min read
No, taking a loan from friends to show funds for a New Zealand student visa is generally not recommended.
Immigration New Zealand prefers funds that are genuine, verifiable, and officially documented. Loans from friends are considered informal and may raise doubts about the authenticity and availability of your funds, which can negatively affect your visa application.
Education loans from recognized banks or personal/family savings with proper documentation are much safer and more acceptable.
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