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Lending people possibilities

Personal Loans up to $75,000. 100% online, with an initial decision in 60 seconds⁵.

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Excellent - Based on 1204 reviews

Let's make personal loans a breeze with an initial decision in 60 seconds⁵ 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 providers 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.

You will receive an initial decision on your application in 60 seconds⁵.

Receive tailored advice.

We understand that not everyone fits into the same box. Our advisers will assess your objectives in relation to the loan, your ability to repay the loan, your credit history, and work hard to deliver a tailored outcome for 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 an 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 to the provider's 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. Provider's 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 in a way that suits you.

High-Tech.

High-Tech.

Apply online. Our digital platform will assess the information provided and approve, decline, or refer your application in under 60 seconds⁵.

High-Touch.

High-Touch.

Follow your applications' progress in real-time, and 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 competitive interest rate.

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 most competitive 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 NZ 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 4.9 / 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

Looking for something else?

We offer you access to 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

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

We have relationships with a large network of lenders

LENDING PEOPLE INSIGHTS

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.

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 providers; details of these fees (if any) will always be on the loan contract you sign.

A range of providers are willing to look beyond your credit history (within reason) and focus on your strengths, like employment and income. We can help match you with one of these providers. 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 and expenses. Someone may have five loans, as long as their income after expenses meet the lenders' requirements.

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.

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

Our platform assesses lots of data about you to maximize 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

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.