Rating based on 10 reviews

Gilrose Finance


  • Low-interest starting from 18.75%
  • Personal loans up to $20,000
  • Repayment up to 3 years

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

About Gilrose Finance

If you need a personal loan and you are looking for the most affordable and flexible option, then Gilrose Finance is your solution.

They offer small personal loans to employed or self-employed clients who can afford to take out a loan. Kiwis get the help they need to overcome cash flow shortages through their fast and reliable personal loans online. The best part is they have branches nationwide for your convenience.

Turn to Gilrose Finance

If you need a personal loan and don’t know who to turn to, you have found a partner that is going to help you solve your financial problem. Gilrose Finance offers short-term personal loans as well as long-term personal loans of up to $20,000.

Their typical annual interest rate ranges from 18,75% and they offer you a loan term of between 6 and 36 months. If you're looking for finance with or without security, they can help you.

About Gilrose Finance 

Gilrose was established in 1992, in response to a need for specialized personal loans for Kiwis of retail stores throughout New Zealand. They are a privately owned and operated company that is not publicly funded. A lender that is preferred by the New Zealand Retailers Association and The Jewellers and Watchmakers Association of New Zealand Inc.

What Gilrose Finance can offer you

At Gilrose Finance they believe that you deserve outstanding service from their sales staff.

They enjoy a close working relationship with both customers and retailers. In response to their requirements, they have developed leading-edge technology to improve your personal loan application. Their customers appreciate the simplicity, speed of their system and the flexibility to make changes when required.

Gilrose is your solution

If you are renovating your home, Gilrose Finance will be happy to help you tackle a bit of home DIY with the help of a personal loan.

Home improvement personal loans can be used for:

  • Kitchens and bathrooms.
  • Central heating, air-conditioning, fireplaces, and double-glazing.
  • Pools and Spas.
  • Awnings and Canopies.
  • Extensions and additions.
  • Solar panels and energy conversions.

A personal home improvement loan from Gilrose Finance will have low monthly repayments because the cost is spread over the entire length of your loan. With Gilrose you can also pay off your personal loan at any time, with no charge.

Gilrose Finance Product Details

  • Loan Type Personal loans
  • Interest Rate from 18.75%
  • Loan Amount up to $20,000
  • Repayment 6 months to 3 years
  • Decision 2 hours

Gilrose Finance has affordable loans and quick online applications

The application process is easy and hassle-free.

The most amazing part is you can do the online personal loan application in the comfort of your own home. All documents can be filled in online, so you don’t need to go to their offices. It will save you time and money.

Requirements for personal loan application

  • Aged 18 and over.
  • Employed for at least 3 months.
  • NZ Citizen or Permanent Resident and proof of address.
  • Able to provide proof of ID.
  • A good credit history.
  • Proof of a Bank Account Number and income.

Follow these easy steps to apply

Step 1

You can provide them with your details including your employment status, a breakdown of your finances, as well as the amount you would like to borrow.

Step 2

They will then verify your details to confirm if you qualify and for how much. They will send the documents back to you to sign.

Step 3

Once you are approved, your personal loan will be deposited into your bank account.

They are a responsible lender who provides personal loans in a straightforward and trouble-free way. Everyone deserves a second chance, with a personal loan from Gilrose finance this is possible. With the seamless application process, you will have your money paid out in a matter of hours.

Benefits of a Gilrose Finance personal loan

  • They will assist you with a personal loan online.
  • Save money by paying lower interest rates.
  • Personalized and friendly customer service tailored to your needs.
  • You will be offered the best expert advice on your personal loan.
  • Their loans are safe and secure.
  • Three payments to choose from.

Payment advice offered to you

They understand that situations in life are difficult and that sometimes life throws you a curveball. At Gilrose Finance they provide to the desire of everyone’s needs. They will spoil you with three payment options to choose from, so you can choose what option is the most convenient for you.

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Gilrose Finance is a trusted & reliable provider of personal loans

In our review, Gilrose Finance adheres to the compliance criteria in accordance with Credit Contracts and Consumer Finance Act (CCCFA), where the granting the loan will not cause financial distress to the consumer.

Gilrose Finance is a registered credit provider in New Zealand: FSP15921

Customer Reviews & Testimonials

March 2021

When I was busy with my application, I had a query and I phoned their customer service and was helped right away. My loan application was successful and paid into my account on the same day.

Garth B
— Dunedin —

February 2021

When applying for my personal loan online I found that it was very easy and quick to submit with a fast response. I highly recommend Gilrose Finance for a loan.

Smith T
— Perth —

June 2021

Thank you Gilrose finance for your great service. It was a seamless experience applying for my loan.

Jones S
— Auckland —

Gilrose Finance Contact Details

Physical Address

Postal Address

  • PO Box 303 018, North Harbour, Auckland, 0751, New Zealand

Opening Hours

  • Monday 08:30 – 19:00
  • Tuesday 08:30 – 19:00
  • Wednesday 08:30 – 19:00
  • Thursday 08:30 – 21:00
  • Friday 08:30 – 21:00
  • Saturday 09:00 – 19:00
  • Sunday 09:00 – 19:00