Lending people possibilities
Personal Loans up to $75,000. 100% online, with decisions in 60 seconds.
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.
GET STARTED TODAY
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
$1000
$75,000
FOR HOW LONG
5 years
1 year
7 years
ESTIMATED REPAYMENTS FROM
$0 total
$0 total
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.
Apply online. Our digital platform will assess the information provided and approve, decline, or refer your application in under 60 seconds.
High-Touch.
Follow your applications' progress in real-time, complete any tasks, and chat with your dedicated adviser using your online dashboard.
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.
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
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.
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.
Business Loans
Do more with a business loan from Lending People. Flexible line of credit or term loans from $10,000 to $500,000.
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.
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.