Personal Loans NZ

Personal Loan

Learn More about personal loans Before You Apply !

Getting personal loans can be very complex and stressful experience. Loan nz has put together this site to make it easy for you to get personal loans with Low interest rates and low fees in New Zealand. No matter what your personal loan needs we can help you get the best loans to suit you loan needs. 

How we can help

In this section we will give you tips on why someone will need a person loan, what are the things to look for when getting a loan and where to get a personal loan in New Zealand. Check out the information below to save time and money on getting loans


Personal loans can be great way to get extra cash when you need it. Personal loans can be used for anything from buying home appliances, going for a holiday, paying for food, getting married, paying rent, etc. Its basically getting money when you need it and paying it back when you can. more information on what is a personal loan below


personal loan can be great if you are looking to pay for things like – house renovations, weddings, holidays or medical bills etc. Personal loans are available through banks, finance companies, loan shops and credit unions.

In New Zealand there are quite a few lenders that provide personal loans to kiwis, some offer great service and rate and some don’t. Before you get a personal loan make sure you do your research and only get loans from reputable companies

Where to get Personal Loans in nz?

Getting personal loans in New Zealand is easy and very quick, most of the companies now have online applications. All you have to do is supply few personal details and if approved the money is transferred directly to your nominated account. Through research and customer feedback loan nz has sourced some of the best personal loan finance companies and banks that offer low interest personal loans.

Getting a Personal loan with Bad Credit

Personal loans can be obtained even if you have bad credit in the past, usually the bad credit loans will have a bit higher interest rates and sometime higher fees. Bad credit loans are considered high risk by lenders and that why the will try and recoup some of the loses through higher interest rates and higher fees. Its always good to shop around for bad credit loans as different lenders will have different interest rates and fees. Loan nz has put together some of the best bad credit lenders with some of the best rates and fees. Check out where and how to get best bad credit loans in nz in our bad credit loans section.

Unsecured Personal loans

Unsecured personal loans allows you to get loans without putting anything as collateral. Loan nz has sourced out some of the best unsecured loan lenders in nz who can offer you low interest rates and low fees. Find out how and where to get unsecured loans in nz check out unsecured loans nz

No Credit Check loans

No credit check loans is easy way to get personal loans when you have bad credit rating. These types of loans are hard to come by and if you do get it, most likely it will have a very high interest rates and fees. We have sourced out some of the best lenders and tips on how to get no credit check loans in NZ. Check it out


When getting a personal loan you have to consider quite a lot of things, as one little thing can save you a lot of money in interest and fees.
  • First and most important thing to consider is the Personal loan interest rate as this will determine how much you have to payback.
  • The other thing you have to consider is the fees, different lenders have different loan fees and its always good to shop around to get the lowest fees.
  • When applying for a personal loan its always good to get loans from finance companies who have been in the loan industry for a while and have good customer feedback.


You should meet some of the basic requirements for you to get personal loan in New Zealand. The conditions may vary from one lender to the other but below are the basic needs across all lenders;

1. Be 18 years of age or over

2. Be a New Zealand citizen or permanent resident

3. Have a regular income

4. Have a good credit history

5. Be able to afford the loan repayments


Personal loan lenders are finance companies, banks or any company that lends money to you. There are quite a lot personal loan shops in New Zealand offering money to kiwis, some have been in the personal loan market for long time and some have just started. Each and every loan company has different lending fees, interest rates and policies. Most lenders have online applications for loans and also offer face to face lending.

No matter what your loan needs always shop around and get the best deals for you and your family. Compare personal loan rates and get the best rates as in long run this will save you lot of money.

1. KiwiCash

2. Moola

3. Cash Converters

4. Pinnacle Finance