What interest rate can I get? We offer competitive rates for personal loans, with rates starting from 10.95% to 29.95% p.a. The rate you will be charged is based on several criteria. These include the type of security provided; value of the security in relation to the loan amount; the amount of money you wish to borrow; your previous credit history with other financial institutions; and your total credit profile. You’re circumstance is unique, so your interest rate should be too. To provide you with an interest rate for your loan please complete an online application.
We always assess your customer profile and set an interest rate suited to your personal circumstances. We believe each individual is unique, so we customise interest rates to match your circumstance.
Yes. You need to provide us with evidence that you have been self-employed for at least one full financial year and provide us with a copy of the IRD Acknowledgement for the most recent financial year.
Yes, just include your partner as a Joint Borrower when you complete the application form.
No, all applicants must reside in New Zealand when applying for finance.
Yes. An establishment fee of $215 applies to every personal loan. Some other fees do apply including a monthly service fee – these depend on the type of personal loan you take. Our helpful lending team will fully disclose of any other fees that you have to pay. View our rates and fees page.