Rating based on 633 reviews
About NZ Personal Loans
With a lender like us you basically get everything that you could possibly want and more.
We're able to provide you with a low rate personal loan that can be obtained as easily as a payday loan. This mix of competitiveness and speed is what gives us our edge and keeps us at the top.
A simple, stress-free online application
If you've ever felt that you were treated unfairly by a lender or been stressed while applying for finance then you'll certainly notice the NZ Personal Loan difference. Our application can be done online from literally any WiFi enabled device and is so simple that you'll never be stressed or feel pressurized.
What NZ Personal Loans can offer you
Our personal loans range from $1,000 to $ 20,000 and we offer both secured and unsecured loan options. Our interest rate which ranges from 13.95% per annum to 29.95% is amongst the most competitive on the online lending market.
We offer bad credit loans too
Those who have poor credit histories may be pleased to note that we do not take only credit history in account when conducting our approval checks. We will also look at your monthly income and outgoings to ensure that you can afford the loan repayments.
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In a Nutshell
- Average processing time 4 hours
- Online application
- In-store application
- Unsecured loan option
- Secured loan option
- Bad credit consideration
- Early repayment
A quick loan from us can be used to finance fun too
Your fast cash loan repayments will be deducted from your account via direct debit on a monthly or weekly basis which will ensure that you never miss a payment.
If you anticipate that you may not be able to afford the repayment you must immediately contact us so that we can make an alternative arrangement.
Apply online and get an instant decision
As an online lender, we have been able to help thousands of Kiwis find and access credit products that meet their needs precisely. To apply simply visit our online application page and fill in the required details - we'll get back to you in less than 3 hours!
What makes our personal loans great?
Personal loans have been and always will be an attractive loan option for Kiwis. The reason behind this attraction is its flexibility and affordability. You can choose the amount and loan term as well as the repayment frequency. With a loan so customizable it is very clear why it remains a Kiwi favourite! Personal loans can be used to finance anything from debt consolidation to vehicle finance and vehicle repairs. The time for living is now so applying for your personal loan today.
Finance is not always bad
Many people are under the misconception that finance is only used to get individuals out of a tough situation. While that may be the primary focus for most of our clientele it is not the sole purpose. A personal loan with us can be used to finance fun too! Have you been trying to save up for that family vacation? Or do you need some additional money for your special day? You understand what you need and we can help you to get there! Making you happy is our only goal.
Eligibility & Requirements
- 18 years or older
- NZ resident
- Employed full-time
- Credit check
- Bank statements
Other Products & Services
- Personal Loans
- Car Loans
- Debt Consolidation Loans
- Property Finance
Customer Reviews & Testimonials
With the assistance of a debt consolidation loan, I was able to get all my debt together in one place. Month-to-month budgeting and money management is now a breeze!
— Waddington —
From the moment that I began my journey with NZ Personal Loans, I knew that I was in the right place. Fast and efficient response to applications, friendly and knowledgeable staff – I will definitely be paying them a visit again in the future!
— Ettrick —