Rating based on 40 reviews

NZ Personal Loans


  • Low-interest starting from 13.95%
  • Quick loans up to $20,000
  • Repayment up to 5 years

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Author NZ Personal Loans. Screenshot of NZ Personal Loans website. [Accessed May 23, 2018]

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 pressured.

What NZ Personal Loans can offer you

NZ Personal Loans offer personal cash loans, car loans, debt consolidation loans, and property finance to Kiwis nationwide.

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 into 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.

NZ Personal Loans Product Details

  • Loan Type Quick loans
  • Interest Rate 13.95 – 29.95% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 5 years
  • Decision 4 hours

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 favorite. Personal loans can be used to finance anything from debt consolidation to vehicle finance and vehicle repairs. The time for living is now so apply 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.

Customer Reviews & Testimonials

December 2021

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!

Vanessa H
— Waddington —

January 2022

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 defini...

Alexander B
— Ettrick —

NZ Personal Loans Contact Details

Contact Number



Physical Address

Postal Address

  • PO Box 28 231, Remuera, Auckland, 1541, New Zealand

Opening Hours

  • not available