Whether it's for a new purchase, debt consolidation, or a special occasion, we have a loan to suit your needs.
Rather than having set fees & interest rates we prefer to work with ranges as not every application is the same.
* Complex loans may have a higher establishment fee
* Administration fees may apply
Get answers to our most common questions.
Stay informed with the latest insights on finance and money management
How Your Loan Application Is Actually Assessed (and What You Can Control) Applying for a personal loan can feel like stepping into a black box – you submit your details and wait, hoping for approval. But in reality, lenders follow a very structured process to decide whether to approve your application. Understanding how it works… read more
The Ultimate Guide to Understanding Credit Scores in New Zealand It’s easy to get confused between American credit scores and New Zealand credit scores. While U.S. scores focus heavily on factors like credit card usage, loan types, and the length of your credit history, New Zealand credit scores place more emphasis on payment behaviour, defaults,… read more
What the October 8 OCR Cut to 2.5% Means for the Average New Zealander’s Finances On October 8, 2025, the Reserve Bank of New Zealand (RBNZ) reduced the Official Cash Rate (OCR) by 50 basis points, bringing it down to 2.5% – the lowest level in over a year. The decision reflects the RBNZ’s efforts… read more
Understanding the exact cost of a personal loan is crucial. Use our easy-to-use calculator that provides you with an accurate estimate, taking into account all fees typically involved. We believe in transparency, so you can make informed decisions about your finances.
You can apply to borrow $2000 - $100000
Interest rate 13.95% (comparison rate 13.95%)
$0.00
Weekly repayment
Estimate includes establishment fee of $195.00
Get a quoteWon't affect your credit score.
*This is an example of a common loan request and gives you an indication of what the monthly loan repayments will approximately be. Your establishment fee may be different depending on the security used, complexity and the time taken to process your application. You may also optionally take payment protection insurance which would increase your total cost.
