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


Get on the road: fixed interest rates and fast decisions

Car loans

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

Motorbike Loans

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

Boat & Marine Loans

Get on top of your Credit Cards and loans
Consolidate your debts into one easy payment

Debt Consolidation

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

Renovation Loans

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

Wedding loans

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

Education loans

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

Poor Credit loans

Dreaming of that island getaway
Make your holidays a reality

Travel Loans

Make possibilities your reality.

Personal Loans

Our benefits

We took a good look at lending,
and came up with better™

Fixed Interest Rates

From the least to the most you could expect to pay, we tell you straight away. No hidden rate ranges. No surprises.

$0 Deposit Finance

No deposit needed to get you on the road. Secure finance with zero deposit and get the vehicle you keep dreaming of.

Save On Interest Costs

Make lump sum payments when it suits you. Pay off your loan faster and save interest. That’s better borrowing.

We're responsive

In a hurry? We can have a loan-decision* fast. Or like to take your time? No problem. From application to settlement we can move-like-lightening or as leisurely as you’d like.
*Affordability Test Applies

We keep it breezy
We built our approach with you, and your time, in mind. No more emailing bank statements or copies of IDs – our tech does the work for you, saving you time and hassle.
We’re big on personal
We don’t let the machines do all the work. One of the better™ team will give you a bell to talk through your needs. And we're just a call away for queries, big and small.
We champion better-borrowing
We’re a team of over 20 and we're fans of good borrowing decisions. Over the years, we've helped thousands of Kiwis with their vehicle and personal finance needs.
Like to run your numbers?

Calculate your repayment estimates and more.

How to apply

You’re just clicks away from the better™ borrowing experience.
Here’s what you can expect.

Three minute application

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


We add the personal touch

A quick call is all we need to understand your application. While this step doesn’t take long, we consider it the most important: it’s there to make sure your needs are well understood.


Your funds are on the way

Once your loan is approved and you’ve signed your loan agreement (easy and online), your job is done. The funds will be transferred within 24 hours (or even on the same day).


What can we help you make happen?

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

  • Apply in three minutes
  • Fast application decisions
    *Affordability Test Applies
  • Smart technology to assess your application faster
  • No deposit finance available
  • Fixed interest rates and no surprises
  • Funds transferred in less than 24 hours
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

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. See loan pages - for example better.co.nz/car-loans - for further detail. Fees apply, including an establishment fee of up to $450 and an introducer fee of up to $995. Approval is subject to meeting lending criteria, and affordability test applies.