Rating based on 33 reviews

Pioneer Finance


  • Low-interest starting from 14.95%
  • Personal loans up to $100,000
  • Repayment up to 7 years

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

About Pioneer Finance

We're all about growth. Since our inception, we have been focused on ensuring that our products and services are suited to the customers that we serve while also remaining competitive and technologically up-to-date.

We don’t compromise on our quick loan products or our customer service.

Adding a personal touch

One of the things that have become quite rare among NZ lenders today is a personal touch. If you're tired of feeling like you're dealing with a computer more often than a real person then you're going to love using Pioneer Finance. We see you as more than just a number and it shows.

What Pioneer Finance can offer you

We offer personal loans ranging from $1,000 to $100,000 at an AIR of between 14.95% and 27.95% per annum.

The interest rate you'll be offered depends on the loan amount and the applicant's credit score. Our loan terms stretch from 12 months to 7 years and all our loans require security.

Understanding our loan terms

Our short-term loans allow for small monthly repayments which is ideal for those who need a loan but don't want to have to deal with large monthly repayments that consume the majority of their income. Opting for a longer loan term simply allows you to make the monthly repayments more affordable.

Pioneer Finance Product Details

  • Loan Type Personal loans
  • Interest Rate 14.95 – 27.95% p/a
  • Loan Amount up to $100,000
  • Repayment 12 months to 7 years
  • Decision 24 hours

Here’s how to apply with Pioneer Finance

When you make your personal loan application - we will take about 48 hours to process your application and verify your information.

Once this is done we will credit your account within 24 hours.

Consolidating debt with pioneer finance

If you have too many small, high-interest debts and are looking to consolidate them - our fast loans can conveniently and affordably fit the bill. Instead of paying a lot of money every month you can pay less, free up a good portion of your salary and finally work your way out of debt.

As easy as 1,2 and 3

Applying for a cash loan with Pioneer Finance is very simple and quick since we combine online technology with a high level of customer service. Our staff are highly experienced and are able to assist you with all of your queries regarding your loan application.

We will assist you with your queries

All you have to do is contact us and we will assist you with your questions or your application queries. You can email us or phone us and will help you get the loan you need or the questions answered. We are here for you. You can also leave your details and we will contact you just leave your information and your query in the box and click send.

When you apply for a loan

Please note that when you apply for one of our loans you will have to use the following as collateral. You will need to use your real estate or your motor vehicle or both for your loan. Our loans start from $1000-$100000.

Our interest and payments for our loans

Our interest rates are from 13.95-27.95% and you are able to pay your loan back from 3 months to 7 years. If you are taking a quick personal loan that you would like to pay back within the first 6 months then we have the loan for you.

All of our rates will depend on the amount that you will be loaning and for what period of time you will loan the funds. We have an application fee that is added to your full loan amount.

Customer Reviews & Testimonials

January 2020

Quick and easy loan applications! Pioneer Finance has a super speedy loan service

Andrew J
— Auckland —

March 2021

I needed help applying for my loan online I phoned through to the call centre where I was assisted very quickly

Oliver W
— Christchurch —

April 2021

When I was applying for my first loan I went to the branch where they helped me apply and I was approved instantly

Josh D
— Dunedin —

Pioneer Finance Contact Details

Contact Number


  • not available


Physical Address

  • 22A Kaiwharawhara Rd Kaiwharawhara Wellington 6035 New Zealand
  • Get Directions

Postal Address

  • PO Box 9607, Wellington, 6141, New Zealand

Opening Hours

  • not available