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

We offer small cash loans to employed or self-employed and can afford to take out a loan.

If you need a loan to cover an expense or make a purchase that your salary cannot cover comfortably - Gilrose Finance can offer you a personalized fast loan solution that is affordable and convenient.

What we do best at Gilrose Finance

We're a modern online lender that seeks to assist customers who have good or bad credit to access finance and offer an alternative to getting a traditional loan from a bank. If you need a personal loan and don’t know who to turn to you have found the partner that is going to help you solve your cash flow shortage problem in a big way.

What Gilrose Finance can offer you

If you need a personal cash loan and are looking for the most affordable and flexible loan product than you've come to the right place.

We help kiwis overcome cash flow shortages by providing them with convenient, fast and affordable alternative finance online and in one of our many nationwide branches.

Our loans of up to $20,000

Gilrose Finance offers short term loans as well as long term loans of up to $20,000. Our typical annual interest rate is a competitive 18,75% and we offer you a loan term of between 6 and 36 months. If you're looking for flexible finance with or without security we can help you.

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

As a reliable lender, we're more concerned about ensuring affordability than we are about processing speeds.

When you apply you will have to demonstrate a regular income that suggests you can repay the fast loan. When you apply with us you will not have to stress about paperwork, delay or being refused.

Our loan application process is simple

If our loans sound like a good fit for your circumstances and needs than it's time to make your online loan application. This is simple and quick and will never take you more than 10 minutes! We have an advanced loan application process which ensures that our customer can apply and get approved for their personal cash loans quickly and easily.

Using the loan calculator

You can find the loan that you will need from using our loan calculator. Yes, that is right all you have to do is place the value of your loan that you would like on the top line by dragging the red dot from the left of the page to the right. You will see that when you do this the amounts will increase. The second line is for the amount of time that you would like to pay your loan back in and you would do the same as the above mentioned moving the red dot until you find the number of months or years that you would like to pay the loan back in. You can choose to either pay weekly or monthly for your loan.

When you apply for your loan

Please make sure that when you apply for your loan you answer all of the sections that pertain to you. Please make sure that you have a copy of your ID that you can upload on to your application before submitting your application.

Rates and fees that apply

Our loan rates differ but the personal loan rates start from 18.95% to 19.95 for a top-up loan and there is an establishment fee of 250$ that is added in your loan amount.

Customer Reviews & Testimonials

March 2019

When applying for my loan online I found that it was very easy and quick to submit with a fast response

Garth B
— Dunedin —

February 2019

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

Castile G
— New Zealand —

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