Personal Loans to Back Your Plans

New project, new hobby, great idea or side hustle you want to breathe life into? Get your plans off the ground with a personal loan. Fixed interest rates, no hidden fees, and simple online application.

Personal Loans

Ways to borrow

Personal Loans - the big picture

Whether you're marking a milestone, fixing up the house, or working on something personal that needs a bit of funding, we can help you find a personal loan that fits. It's about finding a practical option that works for your situation, so you can get on with what matters to you.

better-finance-Bullet-Point

Loan Term

Set your speed – from a one-year dash to a five-year journey.

better-finance-Bullet-Point

Loan Purpose

Kitchen revamp, passion project, or something else entirely: personal loans for all sorts.

better-finance-Bullet-Point

Loan Repayments

Weekly, fortnightly, or monthly — whatever matches your cash-flow rhythm.

better-finance-Bullet-Point

Loan Interest Rates

Competitive rates tailored to your credit profile and loan details.

better-finance-Bullet-Point

Loan Fees

No hidden extras; every fee is spelled out upfront.

better-finance-Bullet-Point

Loan Planning

Practical tips to keep your loan working for you, not the other way around.

$15,000
48 months
10.95%

Loan Calculator

$92

Weekly Repayments

$400

Monthly Repayments

$19,200

Total Amount Repayable

The repayment amounts shown include Establishment and Introducer fees totaling $495 and a PPSR Fee of $8.05. These fees are examples only and they exclude ongoing fees. The actual fees charged may vary based on your circumstances and the chosen lender.

Icon

Personal Loan Pro

Real people and solid advice—no finance-speak or confusing jargon. Because loans aren't just about money; they are about you.

Icon

Smart Borrowing

Fast, transparent loan options with only a soft credit check—so your score stays intact—and fixed rates personalised to your profile.

Icon

Fast & Fuss-Free

We handle the legwork and keep things moving fast, so borrowing fits your schedule—not the other way around.

We've helped 60,000 Kiwis turn "How?" into "Sorted"

better-finance-No1

Apply online (it's quick!)

Start your personal loan journey with a quick, simple online form. It takes just minutes to get things moving. 

better-finance-No2

We'll do the hard yards

We search our panel of lenders to find flexible options that match your needs, repayment preferences, and financial situation.

better-finance-No3

Chasing approval fast

Once we’ve got your documents, we move fast to get you approved. That way, you can tackle expenses or plans without unnecessary delays.

better-finance-No4

Sorted in no time

Submit everything by midday and, if approved, you could have the funds in your account that very same day. It’s that simple.

Secured or Unsecured?

You’ve got two main options when it comes to personal loans: secured and unsecured. A secured loan uses something you own—like a car—as security, which can help you get a better rate. An unsecured loan doesn’t need any assets behind it, so it’s a bit more flexible but might come with a higher interest rate. The right option just depends on your situation.

Personal Loans

FAQ

Personal loans - the details

Can I pay off a secured loan early?

Yes, in most cases you can. Just keep in mind there might be an early repayment fee, depending on the lender. It’s always good to check the fine print before you commit.

Do unsecured loans hurt credit?

Not by default. If you make your repayments on time, an unsecured loan can actually help improve your credit score. But if you miss payments, it can hurt—just like any other type of borrowing.

How much can I borrow on a secured loan?

That depends on what you're using as security and your financial situation. Because there’s an asset backing it, secured loans often come with higher borrowing limits.

How much unsecured loan can I get?

Unsecured loan amounts vary, usually based on things like your income, expenses, and credit history. Without an asset involved, lenders may offer a bit less than they would for a secured loan.

What are the disadvantages of unsecured loans?

They’re usually a bit more expensive—interest rates can be higher because there’s no security backing them. You also might not be able to borrow as much compared to a secured loan.

What credit score do you need for an unsecured personal loan?

There’s no set number, but generally, the better your credit score, the more options you’ll have (and the better the rates). If your score’s on the lower side, a secured loan might be a better fit.

What credit score is needed for a secured loan?

Secured loans are a bit more forgiving because you’re offering up an asset. You don’t need perfect credit—but your overall financial picture will still play a big role in the lender’s decision.

*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.