Find a competitive loan

Searching for ‘low-interest’ loans? See how rate, term and fees add up before you apply.

Tell us your goal and budget. We’ll compare competitive personal loan options from our lending partners and explain the trade-offs — rate, term and fees — with clear, indicative repayments.

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Keep repayments manageable

How a sharper rate and structure can help

A competitive rate is only part of the picture. By balancing the loan amount, term and fees—and considering features like early-repayment options—you can shape a structure that keeps cash flow steady and total interest in check. 

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Competitive, fair pricing

We scan our lending panel and present options suited to your profile

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Affordable repayments

Choose a term that keeps payments comfortable for your budget.

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Transparent fees

See establishment, admin and (if any) early-repayment fees up-front.

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Practical flexibility

Many options allow extra repayments or paying the loan off sooner.

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Smarter structure

Balance amount, term and features to reduce interest over the life of the loan.

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Quick online start

Begin with a short form; real people are here if you want guidance.

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Before you chase a “low” headline rate

The real value comes from the whole picture:

  • Total cost beats headline - Compare interest plus fees over the full term.
  • Rate vs term trade-off - A slightly higher rate with a shorter term can cost less overall.
  • Fees & charges differ - Establishment, admin and early-repayment costs vary by lender.
  • Repayment flexibility - Can you pay extra, repay early or adjust dates if needed?
  • Your credit profile matters - Stronger profiles may access sharper pricing.
  • Borrow only what you need - The right amount and term can cut interest paid.

Not sure what’s right? Tell us your goal and budget — we’ll explain the options in plain English.

Borrowing with confidence

Clear advice, shaped around you.

Some drivers want certainty before they shop, others want to save time at the dealership, and many simply like knowing they’re in the best position to negotiate. Whatever your reason, we’ll tailor the process so it works for you.

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Make your next move smarter

We’ll clarify what you want to achieve, what you can comfortably repay, and which structure fits — not just what looks “cheap”.

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Build a loan that pulls its weight

We help balance amount, term and features so the loan does its job without costing more than it should.

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Keep the jargon in the bin

  • Straight talk, clear timeframes and no surprises. If something doesn’t add up, we’ll say so.

Check your loan options

Answer a few questions, see indicative repayments, and decide if you want to proceed. There’s no obligation, and a human is here if you’d like a second opinion.

Your questions, answered

Personal loan FAQs
If you’re comparing ‘low-interest’ loans, you may have questions about rates, fees and approvals. Here are the common ones—answered simply so you can decide with confidence.

What counts as a “low-interest” personal loan in NZ?

It’s relative to your profile and the market at the time. We’ll show you competitive options you’re likely to qualify for and what the total cost looks like.

How do lenders set rates?

Rates are personalised. Lenders consider your credit history, income and expenses, loan amount and term, and whether the loan is secured or unsecured.

Will checking options affect my credit score?

We can often give an initial view without impacting your score. A full application may involve a credit enquiry on your file.

How can I lower my repayments?

Extending the term reduces each payment but can increase total interest. We’ll model the trade-offs together.

What fees should I watch for?

Common fees include establishment and admin; some lenders charge early-repayment fees. We’ll disclose known fees up-front so you can compare fairly.

Can I repay my loan early?

Many lenders allow extra or early repayments; terms vary. We’ll flag any costs so you can decide if it’s worthwhile.

*Fixed interest rates for vehicle loans range from 7.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. Fixed interest rates for 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 $10,000 over 24 months at 9.95% p.a. with Establishment and Introducer fees totalling $495 and a PPSR Fee of $7.39, the total amount to repay is $11,627 which is 24 monthly payments of $485. 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.