Rating based on 963 reviews
About Gold Band Finance
As an online lender, we don’t have time to mess you around.
We value your time as much as we value our own and our quick and streamlined online loan application is simply a testament of this. Applying for a loan with us will take you less than 10 minutes and you can get the cash on the very same day!
Do you need a personal loan?
Can't borrow from friends or family? We're a reliable lender that deals with such problems in an innovative way. Don't spend another second scouring through lenders websites and trying to find a credit solution that meets your individual needs - visit Gold Band Finance and apply for a personal loan with us.
What Gold Band Finance can offer you
With astonishingly fast loan processing times, great customer service and flexible repayment options - we are the lender of choice for people across the country.
Whether you need a loan to buy a new or used car, consolidate debt or make a large purchase Gold Band Finance will offer you a secured personal loan that meets your needs.
Our interest rates and loan details
At Gold Band Finance we only offer secured personal loans - which is why our standard annual interest rate is so low. Our interest rate which is currently 17.95% per annum is lower than the majority of our competitors and ensures that you can use the loan to consolidate debt and save money at the same time.
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In a Nutshell
- Average processing time 48 hours
- Online application
- In-store application
- Secured loan option
- Bad credit consideration
- Early repayment
Gold Band Finance has low interest rates on personal loans
Transparency is something that is very important to us at Gold Band Finance so we've listed all of our fees and charges as well as made an accurate loan calculator available so that people can adjust their short-term loan amounts or terms for maximum affordability.
A simple loan application process
Applying for a loan with Gold Band Finance is simple and will only take you a couple of minutes. Our online loan application doesn’t ask you to move mountains - simply fill in some basic information and upload your bank's statements, recent pay slips and proof of address. You can also apply in branch.
Our interest rates
Our interest rate differs from the number of years that you will loan for. The quick you pay off our loans the less your interest rate will be. For 5 years it is 6.15 for 4 years 6.10 and for 3 years it is 5.75%. Please note that there are different interest rates and it will depend on your loan and your loan amount. The minimum amount that you can loan is $5000 dollars.
Check out the calculator
Finding you the loan that you need and want and the loan that suits your pocket best. You can use the calculator to find the loan that you are needing and the loan that will give you the best rates and payments per month without feeling guilty. All you have to do is drag the top dark blue dot till you find the amount that you would like to loan and the blue dot below you can move it until you find the number of years or months that you would like to pay your loan back in. You can even adjust the interest rate to pay your loan off faster or slower it depends on you and what you feel comfortable paying back.
Eligibility & Requirements
- 18 years or older
- NZ resident
- Employed full-time
- Credit check
- Can you provide security
- Recent pay slips
- Bank statements
- Proof of address
Other Products & Services
- Business Lending
- Personal Lending
Customer Reviews & Testimonials
I was impressed with the professionalism and efficiency of Gold Band Finance. I will recommend them if you need a personal loan
— Auckland —
I applied online and within a few minutes I got a response and I was approved for my loan. The loan service is fast and convenient
— Christchurch —