Geneva Finance – Loan Review
Amount, $1 000 - $50 000 ;Term, 12 - 60 months
Applying does not commit you to any agreement.
Geneva Finance
Geneva Finance is an NZX-listed New Zealand lender offering personal loans from $1,000 to $50,000 with terms from 12 to 60 months. Rates start from 11.95% p.a. Geneva caters to a broad range of borrowers, including those with some credit issues who may not qualify for standard bank rates.
Applications can be made online or through a broker. Geneva Finance undertakes a thorough assessment of income and expenses. Approval typically takes 1-3 business days.
Being NZX-listed provides an additional layer of accountability and transparency. Geneva Finance is also a member of the Financial Services Federation.
Geneva Finance repayment example
Indicative repayment scenarios. Always confirm the exact cost of credit on the lender's website before you apply.
| Amount | Fee | Total payment | Term |
|---|---|---|---|
| $1 000 | $508 | $1 508 | 12 months |
| $3 000 | $839.68 | $3 839.68 | 12 months |
| $10 000 | $1 734.84 | $11 734.84 | 12 months |
How to apply for Geneva Finance
- Apply Online
- Check your loan
- Following approval
Geneva Finance eligibility requirements
- Over 18
- Employed
- Be a citizen or permanent resident of New Zealand
About Geneva Finance
Geneva Finance is operated by Geneva Finance Limited. Registered location: 6B Pacific Rise, Mount Wellington, Auckland 1060. New Zealand lenders are expected to operate under the Credit Contracts and Consumer Finance Act (CCCFA) responsible-lending rules — always read the full loan terms before signing.
✓ Pros
- NZX-listed – transparent and accountable
- Competitive rates from 11.95% p.a.
- Accepts some credit impairment
- Loans up to $50,000
✗ Cons
- Establishment fee applies
- Higher rates for impaired credit
- Terms limited to 5 years
Loan Example
Example: $10,000 over 36 months at 14.95% p.a. = approx. $346/month.
Loan Requirements
- ✓ NZ citizen or permanent resident
- ✓ 18 years or older
- ✓ Regular verifiable income
- ✓ Bank statements required
- ✓ Valid NZ ID
Loan Features
- Online loans up to $50 000
- Term 12 - 60 months
Frequently Asked Questions
12 - 60 months after submitting your application.
The minimum amount at Geneva Finance is $1,000.
Yes, Geneva Finance offers an online application process. Visit their website to apply.