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Lending people

 

possibilities

freedom

Personal Loans, Debt Consolidation, Vehicle Finance, and Home Loans, tailored to you.

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Excellent - Based on 1003 reviews

Let's get started.

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

Debt Consolidation

Combine credit cards, store cards, hire purchases, and other debts into one manageable loan so that you can get debt-free sooner.

Learn More About Debt Consolidation

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

Our latest great loan rates

Home Loan - Fixed rate

1.99

%

p.a.

1 year fixed. Min 20% deposit

Home Loan - Variable Floating

2.50

%

p.a.

Min 20% deposit

Personal Loan - Unsecured

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 a decision on your application in 60 seconds (without affecting your credit score) and a dedicated adviser that will be available to assist you if needed.

Put your feet up. We've got this.

Our digital platform will match you with the best possible terms and interest rates across a range of trusted lenders throughout NZ.

Bring possibilities to life.

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

Get a fair interest rate based on your unique circumstances.

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

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Don’t just take our word for it

Rated 4.8 / 5 based on 1003 Reviews. Showing 5 star reviews.

Great service james was great help…

john - New Zealand

May 4th, 2021

NO FUSS NO MUSS

Janet Grayndler - New Zealand

May 4th, 2021

Lovely team member james made it a…

EH - New Zealand

May 4th, 2021

Super easy process & a very friendly…

Rawinia Pahau-Workman - New Zealand

May 4th, 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

¹Fees: We do not charge a fee to use our service (commonly referred to as a platform fee, broker fee, or referral fee) if (a) you are an existing customer, (b) we arrange vehicle finance, and you use the vehicle purchased as security on the credit contract, or (c) you do not proceed with a credit contract. A fee to use our service of between $0.00 and $995 is applicable in all other cases.

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). 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 principle, 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 or fees for using our service (if any).

Terms and 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. Provider establishment fees, terms, and conditions apply.