Personal loans
Get your personalised rate in moments, breeze through your application in minutes, and enjoy your funds as soon as today¹.
Excellent - Based on 2424 reviews
Lending people possibilities.
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Borrow up to $30,000 and enjoy a stress-free personal loan experience that suits your needs.
Fairer
Clearer Fees
$174 Establishment Fee.
$0 Monthly Fee.
$0 Early Repayment Fee.
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If we can't approve your application, we can seek other options from a panel of trusted lenders.
How does this work?We make lending a breeze.
Get a personalised rate in moments, breeze through your application in minutes, and enjoy your funds as soon as today¹.
- Borrow from $3,000 to $30,000 unsecured
- Loan terms from 1 year to 5 years
- Weekly, fortnightly, or monthly repayments
- Personalised interest rates fixed for the term of the loan
Say goodbye to hidden fees and charges.
- $174 Establishment Fee
- $0 Monthly Fee
- $0 Early Repayment Fee
^If your loan exceeds its limit due to missed payments, a $60 fee is charged after 31 days and an additional $60 if it remains over the limit after 61 days. Where another provider is the creditor, provider-specific establishment fees, monthly fees, and early repayment fees may apply.
Boost your likelihood of approval.
If we can't approve your loan, our dedicated team can help secure offers from a range of other trusted lenders, including:
- Avanti Finance, Finance Now, Latitude Financial Services (GEM), MTF Finance, Nectar, and Unity Credit Union
We have helped customers secure over $400 million in personal loans this way. Provider-specific establishment fees, monthly fees, and early repayment fees may apply.
Loan Repayment Calculator
$3000
$30,000
FOR HOW LONG
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ESTIMATED REPAYMENTS FROM
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Dental
Borrow from $3,000 to $30,000
From routine check-ups to orthodontics and cosmetic dentistry, a dental loan will keep you smiling.
Holiday
Borrow from $3,000 to $30,000
Whether seeking adventure or relaxation, realize your travel dreams with a holiday loan.
Wedding
Borrow from $3,000 to $30,000
Secure your perfect wedding, from venues to dresses, with a hassle-free wedding loan.
Debt Consolidation
Borrow from $3,000 to $30,000
Combine multiple loans and credit cards into a single loan with one easy payment.
Renovations
Borrow from $3,000 to $30,000
Transform your house into your dream home with a home renovation loan.
Repairs
Borrow from $3,000 to $30,000
Quickly address car and home repairs, from unexpected breakdowns to urgent upgrades with a personal loan.
Dental
Borrow from $3,000 to $30,000
From routine check-ups to orthodontics and cosmetic dentistry, a dental loan will keep you smiling.
Holiday
Borrow from $3,000 to $30,000
Whether seeking adventure or relaxation, realize your travel dreams with a holiday loan.
People also ask:
You can discover your personalised rate in just a few moments. Our unsecured interest rates range from 13.90% p.a. to 23.90% p.a.
Your loan repayments depend on the amount borrowed, your interest rate, and the loan term. Use our loan calculator to estimate your repayments.
Yes, you can pay off your loan in full at any time. We do not charge an early repayment fee.
If you sign your loan contracts before 3 PM, you will receive the funds on the same day. While bank processing times differ, funds usually show up in your account by early evening.
Your application cannot be processed if you are unemployed.
Over 300,000 Kiwi’s have trusted us with their personal loan application.
Excellent - Based on 2424 reviews
It pays to
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It pays to
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Already have a personal loan? Don't miss out on potential savings! Use our platform to see if we can offer you a lower rate on your existing loan. It's a simple, smart move that could save you money.
Looking for something else?
Vehicle Finance
Go shopping for your new vehicle as a cash buyer, with an unsecured car loan.
Borrow from $3,000 to $30,000 unsecured, with fixed interest rates, no monthly fees, and no early repayment fees⁴.
Debt Consolidation
Combine multiple loans and credit cards into a single loan with one easy payment.
Borrow from $3,000 to $30,000 unsecured, with fixed interest rates, no monthly fees, and no early repayment fees⁴.
