• Get a decision fast, we’ll usually be in touch within 48 hours.
  • Flexible repayment options include fortnightly and monthly repayments.
  • Apply to borrow up to $50,000, or maybe more based on your circumstances.  
  • Standard loan terms from 6 months to 5 years.
  • No fee for additional repayments.
  • No early repayment penalty fee.
  • Apply for a top up at any time. 

Interest rate.

Loan must be applied for and approved by 26 August 2021. Eligibility and lending criteria and T&Cs apply, see below¹.


Fees are subject to change.

See what your repayments could be.

Use our calculator to get an idea of how much you can borrow, what your repayments would be and how long you would need to make them for. For example, if you borrow $10,000 over 3 years at 10.95% p.a.¹; with a monthly repayment of $331, the total amount you’d need to repay would be $11,895 (including a $100 establishment fee).


Things you should know.

¹Loan must be applied for and approved by 26 August 2021. Includes increases to existing loans. The Standard personal loan interest rate is 13.90% p.a. Interest rate subject to change without notice.

Eligibility criteria, lending criteria, terms and conditions apply. An establishment fee of $100 may apply. You’ll need to be 18 or older and a New Zealand citizen or permanent resident. If you’re not a New Zealand citizen or permanent resident but you’re working in New Zealand, or you don’t meet the other criteria, we still may be able to help.

Documents and fees.

Personal Loan Terms and Conditions

Sample of Personal Loan Summary

Transaction and Service Fees