• Personal Loans
  • Home Loans
  • Business Loans
  • Insurance
APPLY NOW
APPLY NOW
Personal Loans
  • Personal Loans
  • Debt Consolidation Loans
  • Vehicle Finance
Home Loans

Guides & Insights

Browse through some of our guides, insights, and educational material and make better, smarter financial decisions.

The possibilities of personal loans, even with bad credit.

Bad credit rating? You may still be able to get a personal loan. Find out if you're eligible and use our free personal loan calculator to see what we can offer.

5 Minutes

Read more

Explore your car loan options before stepping into the car yard.

Know your options when it comes to taking out a car loan.

2 Minutes

Read more

Can consolidation loans help people to become debt-free?

Find out how consolidation loans work in NZ and see if they're right for you. Use our debt consolidation loan calculator to work out what your repayments might be.

6 Minutes

Read more

Tips and traps to know before financing your next vehicle and car loans in New Zealand.

A loan is a commitment that shouldn’t be taken lightly. Before you make any decisions, have a read of these caveats that are commonly overlooked.

2 Minutes

Read more

Take a ride with us while we compare vehicle loans.

Whether you’re buying your first car, your trusty steed is on its last legs, or a shiny new toy has caught your eye, vehicle finance could help you to buy your next car – or motorcycle, or boat for that matter. Buckle up and we’ll explain what vehicle finance is, what the different types of loans are, and which traps you should be aware of.

7 Minutes Reading Time

Read more

Take an in-depth look at credit reporting.

If you have ever applied for finance, rented property, connected power, or signed up to a mobile plan, companies that provided these services likely checked your credit report. Let's take an in-depth look at what information is on your credit report, how we might use that information, and what it means for you.

6 Minutes Reading Time

Read more

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

Excellent

1083 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 or 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.

© The Lending People Limited Trading as Lending People (FSP240365) holds a licence issued by the Financial Markets Authority (FMA) to provide personalised financial advice. Click here to view our full Disclosure Statement.