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Lending people

 

possibilities

freedom

Personal Loans, Vehicle Finance, and Home Loans.

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Excellent - Based on 1204 reviews

Let's get started.

We offer you access to a range of loan products to help you embrace opportunities and overcome obstacles with confidence.

Personal Loans

Bring possibilities to life with a Personal Loan to get married, take off on holiday, renovate your home, go shopping, and much more.

Learn More About Personal Loans

Vehicle Finance

Finance for your new workhorse, daily driver, family wagon, luxury sedan, or sports car, and pay no fees to use our service¹.

Learn More About Vehicle Finance

Home Loans

Whether you are buying, building or renovating, nesting or investing, we have home loan experts and the tools to help get you there.

Learn More About Home Loans

Our latest great loan rates

Home Loan - Fixed rate from

1.99

%

p.a.

1 year fixed. Min 20% deposit

Home Loan - Variable Floating from

2.50

%

p.a.

Min 20% deposit

Personal Loan - Unsecured from

6.95

%

p.a.

Lowest Unsecured Rate

We have relationships with a large network of lenders

Let's make lending a breeze.

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Get fast decisions and expert advice.

You will receive an initial decision on your application in 60 seconds⁵ (without affecting your credit score) and an adviser that will be available to assist you if required.

Put your feet up. We've got this.

We will match you with the best possible terms and interest rates across a range of trusted providers throughout NZ with the help of our digital platform.

Bring possibilities to life.

Borrow between $1,000 and $150,000 to combine loans, get married, take off on holiday, renovate your home, buy a car, go shopping, and much more.

Get a competitive interest rate.

Our providers offer interests rates from 6.95% p.a. unsecured (subject to lending criteria). When you apply, we will assess your unique circumstances and objectives and work hard to deliver a tailored outcome with the most competitive rate possible.

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Don’t just take our word for it

Rated 4.9 / 5 based on 1204 Reviews. Showing 5 star reviews.

I found the service from The Lending…

Tania Kearns - New Zealand

September 17th, 2021

So easy to deal with and helpful

Carl Price - New Zealand

September 17th, 2021

You were fast at giving help an easy th…

Marina Padlie - New Zealand

September 13th, 2021

Easy online application

Stephen Bennett - New Zealand

September 10th, 2021

Tools to help on your money journey

Home Loan Calculator

Home Loan Calculator

Quickly calculate what your estimated repayments would be for a home loan.

Home Loan Rate Comparison

Home Loan Rate Comparison

Check out the latest home loan rates.

Personal Loan Calculator

Personal Loan Calculator

Quickly calculate what your estimated repayments would be for a personal loan.

Let's Go!

It will take about 3 minutes to complete your loan application, and it will not affect your credit score.

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  • Guides & Insights
  • Rates Comparison
  • Home Loan Calculator
  • Personal Loan Calculator

Excellent

1204 reviews on

¹Fees: We do not charge a fee to use our service (commonly referred to as a platform fee, broker fee, or referral fee) if you are an existing customer who has previously entered into a personal loan that we arranged on your behalf; or you do not enter into a personal loan arranged by us. A fee to use our services is applicable in all other cases. See our Terms & Conditions for the applicable fees.

²Annual Interest Rate (AIR): The AIR offered by our Personal Loan providers ranges from 6.95% p.a. to a maximum of 26.95% p.a.

³Annual Percentage Rate (APR): Also known as the 'comparison rate', the APR is calculated by adding together the AIR plus any additional fees that may apply (like establishment fees charged by providers). New Zealand law does not require APR disclosure, but doing so can better highlight borrowing costs. The APR offered by our Personal Loan providers ranges from 7.80% p.a. to a maximum of 27.91% p.a. The APR is accurate only for the representative example given below and may not include all fees like early repayment fees (if any). Different terms, fees or other loan amounts might result in a different APR.

⁴Minimum and Maximum Repayment Terms: Repayment terms offered by our Personal Loan providers range from 12 months to a maximum of 84 months.

Representative Example of the Total Cost of a Loan: If you borrow $20,000 over a repayment term of 36 months at an AIR of 6.95% p.a., your total repayments will be $22,493 (made up of $20,000 principal, interest charges of $2,243, and an establishment fee of $250). This example assumes monthly repayments and does not include premiums for any optional insurances, fees for using our services (if any) or default fees.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & Conditions. All approvals are subject to provider credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your circumstances, the type of lending required, and the security (if any) provided will reflect the loan amount and interest rate offered by the provider. Provider establishment fees, terms, and conditions apply.