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We offer Personal Loans starting at $2,000. These can be secured for a lower interest rate, partially secured or unsecured. You can use this money for anything – buying a car, consolidating existing debt, paying for your wedding, or even going on holiday.

Our minimum loan amount is $2,000.  The amount you can borrow depends on your individual financial circumstances.  We’ll assess these when you make your application and confirm the maximum amount – it may be more than you think.

Our interest rates range from 9.95% p.a. to 29.95%.  Your interest rate will be based on your financial circumstances, including how much you’d like to borrow, the term of your loan, your income and your credit history. 

Our application form asks you some basic financial questions. Once we have this information and it looks like we can help you out, we’ll ask you to verify your identity and supply two months’ bank statements. Normally some additional supporting documentation will also be required for your application, depending on your financial profile and the type of loan you want.

A loan establishment and/or broker fee of $275.00 – $995.00 applies.  The amount depends on the type of loan, complexity of the application, and sum borrowed. This is added to the total amount borrowed.

We provide loan terms from 1 to 5 years. Loan terms are structured to personal needs and can be repaid weekly, fortnightly or monthly.  The loan term offered is subject to credit criteria and responsible lending requirements.

Not for most of our loans. If you are buying a car we will usually take security over the vehicle being purchased which means you get a lower interest rate, otherwise, we can offer unsecured loans up to $50,000.

You need to be at least 18 years old, and hold a current NZ Driver’s License or passport.  You must also be either a NZ Citizen or NZ Resident, or hold a valid NZ Work Visa, with a consistent and regular income of at least $500 per week.

We are finance brokers.  This means we save you time and effort by searching for and negotiating with lenders on your behalf before coming back to you with an offer.  We have professional relationships with a variety of trusted NZ lenders, and we know the latest offers out there – which often means you’ll get a better deal.

As long as the borrowing meets our lending criteria, we can help consolidate your existing debt into one single loan.

Yes you can. Most of our lenders do not charge an interest penalty for early repayment.

If you need to make a complaint or would like to give us feedback please email and we’ll respond within 48 working hours.

Your satisfaction is important to us, and we will work hard to resolve any issue.  In the event we cannot do so, or if you are unhappy with the outcome, you can contact Fairway Resolution – New Zealand’s leading dispute resolution and conflict management organisation –

If your complaint is about privacy, you can also make a complaint to the Office of the Privacy Commissioner.  See for more information.