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Lending people possibilities

Personal Loans up to $75,000. 100% online, with decisions in 60 seconds.

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Excellent - Based on 1083 reviews

Let's make personal loans a breeze with decisions in 60 seconds and rates from 6.95% p.a.²

Our digital platform will match you with the best possible terms and interest rates across a range of trusted lenders throughout NZ without affecting your credit score.

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Bring possibilities to life.

Borrow between $1,000 and $75,000 to combine loans, get married, take off on holiday, renovate your home, buy a car, go shopping, and much more.

Get fast decisions and expert advice.

You will receive a decision on your application in 60 seconds and a dedicated adviser that will be available to assist you if needed.

Receive approvals tailored to you.

Our platform assesses lots of data about you and your circumstances because we understand that not everyone fits into the same box. That way, we can offer approvals tailored to you. It's just common sense.

How much would you like to borrow?

LOAN AMOUNT

$20000|

$1000

$75,000

FOR HOW LONG

5 years

1 year

7 years

ESTIMATED REPAYMENTS FROM

$0/wk

$0 total

$0/mth

$0 total

Calulated at an example rate of 9.95% p.a.*APPLY NOW

Results in this calculator are based on the limited financial information provided by you and is to be used as a guide only. It is not an offer of finance, or a quote, or indication of pre-qualification for any loan product. The calculation uses an example rate of 9.95% p.a. and is based on amortised scheduled repayments with a fixed interest rate for the term of the loan.

All approvals are subject credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your personal circumstances, the type of lending required, and the security (if any) provided. Fees, terms, and conditions apply.

Lending people possibilities in three simple steps

Our application process provides faster decisions, greater transparency, and the freedom to interact with our advisers on your terms.

High-Tech.

High-Tech.

Apply online. Our digital platform will assess the information provided and approve, decline, or refer your application in under 60 seconds.

High-Touch.

High-Touch.

Follow your applications' progress in real-time, complete any tasks, and chat with your dedicated adviser using your online dashboard.

High-Five.

High-Five.

Read, accept, and sign your loan documents electronically on any device. The lender will then transfer funds into your bank account overnight.

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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What you will need to get started:

  • Be at least 18 years old
  • An income of at least $500 per week
  • A current driver's license or passport
  • Access to internet banking
  • 2 to 3 minutes to complete our online application

Don’t just take our word for it

Rated 4.8 / 5 based on 1083 Reviews. Showing 5 star reviews.

Amazing service

J Meecham - New Zealand

June 24th, 2021

Sufficient with fast feedback

Harawira Poharama - New Zealand

June 22nd, 2021

Very pleased with the friendly service…

Natalie Roberts - New Zealand

June 21st, 2021

Great

Genesis Te Are - New Zealand

June 18th, 2021

Looking for something else?

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

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

Business Loans

Do more with a business loan from Lending People. Flexible line of credit or term loans from $10,000 to $500,000.

Learn More About Business Loans

We have relationships with a large network of lenders

LENDING PEOPLE INSIGHTS

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.

Read more

Looking for a little more help?

A personal loan allows you to borrow money to pay for personal expenses (like a holiday, a wedding, car repairs, or travel) and then repay that money over time.

The first step is to apply online. Our digital platform will then assess the information provided and approve, decline, or refer your application to one of our advisers in under 60 seconds.

If you are approved, a loan contract is generated and emailed to you. Once the loan contract is signed electronically, funds are paid directly into your nominated bank account.

You will then repay those funds (plus interest and fees) over the agreed loan term, usually between 1 and 7 years.

Yes, you can pay off your loan in full at any time. An early repayment fee may apply and varies between lenders; details of these fees (if any) will always be on the loan contract you sign.

The short answer is yes. A range of lenders will be willing to look beyond your credit history (within reason) and focus on your strengths, like employment and income. Our platform can help match you with one of these lenders. You can learn more about what information is on your credit report, how we might use that information, and what it means for you by reading our insights.

How many loans you can have will depend primarily on your income. Someone may have five loans, as long as they earn enough to afford the repayments comfortably.

We can offer consolidation if you have multiple loans and want to simplify your finances. With consolidation, you will have just one regular repayment to maintain and a fixed end date. So, you can count down the days until you are debt-free.

Yes, if you are married, de facto or in a civil union, you can choose to apply yourself or with your partner.

Our platform assesses lots of data about you and your circumstances to maximise your chance of approval. This data includes (but is not limited to) your credit profile, employment stability, income, repayment history, and how you manage your money.

Let's Go!

It will take about 3 minutes to complete your personal 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

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.