Rating based on 18 reviews

Pioneer Finance


  • Low-interest starting from 14.95%
  • Debt consolidation loans up to $100,000
  • Repayment up to 7 years

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Author Pioneer Finance. Screenshot of Pioneer Finance website. [Accessed May 23, 2018]

About Pioneer Finance

Consolidate your debt the easy way with Pioneer Finance.

The New Zealand lending market is rapidly transforming and becoming more and more advanced as time passes. At Pioneer Finance they strive to keep up with this growth and offer kiwis an alternative way to access credit. They offer online debt consolidation loans - quickly and effortlessly.

With them, you will always come first

They have made every effort to get to know their customers and identify their specific loan needs. This has allowed them to develop a range of products and services that fit each and every client’s budget and needs.

Safe and secure debt consolidation loans

Every consultant that is employed at Pioneer Finance has an obligation to adhere to their Privacy Policy. This means that any information that is shared with a Pioneer Finance agent should not be used for any other purpose other than that of a bad credit debt consolidation loan.

They understand why customers don’t want their confidential information to be shared with anybody and they respect that and abide by it too.

Returning customers for their quick loans

Some people use a personal loan to refurbish their homes or buy furniture. Others use it to consolidate debt or pay bills that they haven't been able to catch up on.

Thousands of returning customers trust them to assist with their financial needs. This clearly demonstrates the versatility of the loans they offer and proves that their loans are better priced than those of their competitors.

What Pioneer Finance can offer you

Without compromising on affordability - they are able to offer their customers online debt consolidation loans incredibly fast.

This means that you can get a competitive interest rate and you don’t have to leave your home or fill in paperwork to do it - they offer interest rates of 11.95% to 27.95% per annum.

Consolidation is the right move for you

If you have more than 3 unsecured forms of credit that you're paying off and they are incurring a high interest, a debt consolidation loan may certainly give you some breathing room and help you get out of debt with less sweat.

Pioneer Finance offers only secured loans of up to $100,000 with a loan term from 1 month to 7 years. You will have the flexibility of repaying your loan weekly, fortnightly or monthly.

Loans with fast turnaround times

Their loan processing time will vary depending on what type of security you're using for your debt consolidation loan. They will typically approve and payout your loan on the same day of application.

A credit check

Yes, a credit report is done so that they can check whether you meet the credit criteria they are looking for or not. Your personal details stipulated on your credit report will not be shared with any third parties. This is mainly so that they can see the number of debts that you have as well as your payment patterns.

Pioneer Finance Product Details

  • Loan Type Debt consolidation loans
  • Interest Rate 14.95 – 27.95% p/a
  • Loan Amount up to $100,000
  • Repayment 12 months to 7 years
  • Decision 24 hours

We offer online personal loans - quickly and effortlessly

Even though all their loans are secured, they work closely with Finance People, a company that specializes in unsecured debt consolidation loans.

So, they will still be able to find you a perfect solution should you not have any security to provide for your loan.

Applying with Pioneer Finance is super easy and fast as they’ve made everything straightforward and efficient. Their main objective is to get funds to kiwis as fast as possible with as few as possible hold-ups.

Supporting documents, they may require:

  • Two different types of identification where one contains a photo.
  • Details of the asset you will be using as collateral.
  • Bank statements of at least two months.

Here’s how you can apply for your loan:

Step 1:

Fill out their online form with your details and a breakdown of your expenses, income, and total debts you currently have. You’ll have to be at least 18 to apply and if you are under 21 you might need a guarantor to obtain your loan.

Step 2:

Wait a very short while for them to do an assessment and verify your information as well as your affordability.

Step 3:

Once they are happy to approve your loan, they will provide you with a loan agreement that can be signed to proceed.

Step 4:

Your debt consolidation loan will be paid out to you on the same day.

Start your journey towards financial freedom the right way

With Pioneer Finance you will be able to get the flexibility, transparency, respect, privacy, and affordability you deserve. Apply now and pay off your debts later today while you can enjoy only having to pay one low-cost debt consolidation loan with them.

The great part is that you can pay at your pace!

Benefits of being a Pioneer Finance client

  • Secured debt consolidation loans up to $100,000.
  • Friendly, quick, and accurate service delivery.
  • Extremely affordable
  • Repayments of up to 84 months.
  • You will be able to liberate yourself from overwhelming debt on the same day your loan is approved.


Customer Reviews & Testimonials

November 2020

Pioneer Finance afforded me a debt consolidation loan that changed my life for the better. I was able to settle all my debts and end up paying for one settlement on a monthly basis. A great finan...

Richard O
— Carterton —

January 2020

After applying for the debt consolidation loan, the wonderful staff at Pioneer Finance wanted to make sure that I was informed of all the terms and conditions pertaining to my credit agreement. I...

Bradley C
— Cheviot —

January 2021

The loan application process on Pioneer Finance is easy to understand. Everything is self-explanatory and is systematic. There aren’t too many questions that are asked which meant that I was able...

Gilbert W
— Christchurch —

June 2021

I was able to select an option that is greatly beneficial and much more affordable than my debt.

Jones E
— Nelson —

September 2021

I just paid off my debt with a very cheap loan from Pioneer Finance and am already seeing how much money I’m going to be able to save.

Wilson H
— Napier —

September 2021

A great company with amazing consultants. They keep things to the point while getting you exactly what you need.

Smith J
— Tauranga —

Pioneer Finance Contact Details

Contact Number


  • not available


Physical Address

  • 22A Kaiwharawhara Rd Wellington Kaiwharawhara 6035 New Zealand
  • Get Directions

Postal Address

  • PO Box 9607, Wellington, 6141, New Zealand

Opening Hours

  • not available