Budget advisors are calling on people to think twice about who they go to, for money.
Cash Converters is expanding its staff, saying it's filling a hole left by banks, giving out 316,000 loans last year.
The second-hand dealer and finance company describes its clientele is the most vulnerable in society.
Mangere Budgeting Services CEO Darryl Evans told Rachel Smalley it's atrocious and sad that people are getting loans for rent and food.
He said there are better options, like food grants from Work and Income or going to the Credit Union.
"On a daily basis now we hearing that many of our families are one or two weeks away from being evicted, borrowing money is not the first option, for us it's the last option."
LISTEN ABOVE AS DARRYL EVANS SPEAKS TO RACHEL SMALLEY