Looking for a great rate, fast approval and an easy online application? Visit Better to have your loan application underway in minutes

Changing finance
for the better™

 

Swift, Smart, Savvy

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Get on the road: fixed interest rates and fast decisions

Car loans
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Take off on your two-wheeled road trip with better™ finance

Motorbike Loans
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Make the most of the
'big blue' with better™ finance

Boat & Marine Loans
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Get on top of your Credit Cards and loans
Consolidate your debts into one easy payment

Debt Consolidation
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Make a start to your home improvements today
A better loan can get your renovations underway

Renovation Loans
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Make your special day even more memorable
with a better loan for your wedding

Wedding loans
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Kick start a new career or help your family make the most of university

Education loans
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A low credit rating can seem like a burden
better™ can help get you back on track

Poor Credit loans
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Dreaming of that island getaway
Make your holidays a reality

Travel Loans
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Make possibilities your reality.

Personal Loans

How can we help?

Here's what to expect from the team at better finance™

Simple Application

Simple online application. Quick response from our team and swift lending decisions. We won't keep you waiting.

Expert Help

We're a team of 20+ advisers, available 7-days a week to help Kiwis make good borrowing decisions.

Clarity & Certainty

Get the peace of mind of fixed interest rates and repayments. No hidden rate ranges. No surprises.

Loans for all sorts

For cars, boats, personal projects, travel and more. We help Kiwis with loans for all sorts of needs, plans and goals, every day.

The right fit
We put our expertise to work, to find the right lender and loan for your needs. Perfectly personalised to you!
Like to run your numbers?

Calculate your repayment estimates and more.

How to apply

You’re just clicks away from the better™ borrowing experience.
1

Apply in minutes

Online and beautifully straight-forward – complete some details about your loan requirements and your contact information. It’s a simple form and typically takes just minutes to complete.

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We add the personal touch

We give you a call to talk about what you need and what you're looking for in a loan. It's also a great opportunity for you to ask any questions you may have. We're big on making sure our customers are informed every step of the way.

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Your funds are on the way

Once your loan is approved, you've read the loan agreements and advice, and are happy to move ahead, it as simple as signing online. That's it: your job is done! Then the funds will, typically, be transferred within 24 hours (or sometimes on the same day).

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What can we help you make happen?

Big goals, personal possibilities and everything
in between. How can we help you?

  • Apply in minutes
  • Personal and vehicle finance
  • Fast application decisions
  • Fixed interest rates
  • No deposit finance available*
  • Funds transferred in as little as 24 hours
  • 20+ financial advisers here to help
  • Smart technology to assess your application faster
  • *Lending criteria, including affordability assessment applies.
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Have a question?
We’re here to help

Our 20+ strong team are here for any questions, big or small.

Or request a call here:

One of the team will call you asap within business hours

*Fixed interest rates for vehicle and personal loans range from 9.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and is determined by the lender. 

Fees apply, including an establishment fee of up to $350 and an introducer fee of up to $995. Also, lenders may charge a PPSR fee of between $0 and $14. For example: On a loan of $5,000 over 12 months at 10.95% p.a. with Establishment and Introducer fees totalling $495 and a PPSR Fee of $7.39, the total amount to repay is $5,835.93 which is 12 monthly payments of $486.34. Those amounts don’t include ongoing fees, such as Service Fees, charged by the lender. You can find full fee information in the loan contract. We recommend that you check the fees before accepting the loan offer. See more about lender fees here.

Approval is subject to meeting lending criteria, and affordability test applies. Our lender will independently assess whether you are eligible for a loan.
Same day payout subject to the applicant meeting the above conditions and completing loan documentation by 12pm.