We offer competitive rates for personal loans, with rates starting from 8.25% to 29.95% p.a. until 14 January 2027. The minimum interest rate changes to 8.45% p.a. for applications received after 14 January 2027. 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. Your 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.
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.
