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All Loans and Lenders in New Zealand 2026

We compare 100 lenders. Choose a loan type or browse all offers below.

Loan Types

Home Loans → Bad Credit Loans → Payday Loans → Personal Loans → Low Deposit Home Loans → Unsecured loans → Short Term Loans → Interest free loans → Fast easy loans no paperwork → Loans for unemployed people → 24/7 cash loans → Emergency loans → Instant loans no credit checks online approval → Loans without ID → Weekend payday loans → Car Loans → Debt Consolidation Loans → Student Loans → Online Loans → Business Loans →

Loans by Amount

Loan up to $100 → Loan up to $200 → Loan up to $300 → Loan up to $500 → Loan up to $1,000 → Loan up to $2,000 → Loan up to $4,000 → Loan up to $5,000 → Loan up to $10,000 → Loan up to $20,000 → Loan up to $50,000 → Loan up to $100,000 → Loan up to $200,000 → Loan up to $500,000 →

All Lenders

121 Finance

Amount, $1 000 - $20 000 ;Term, 6 - 36 months

$1,000 – $20,000 Rate from 9.00% Approval: 6 - 36 months 6 – 36 months
★★★★☆ 4.0
Details Apply ad

AA Money - Car Loan

Independent NZ review of AA Money car loans from $5,000 to $100,000.

$5,000 – $100,000 Rate from 8.95% Approval: 1 - 5 years 12 – 60 months
★★★★☆ 4.0
Details Apply ad

Acorn Finance

Independent NZ review of Acorn Finance personal loans from $400 to $5,000.

$400 – $5,000 Rate from 34.95% Approval: 4 weeks - 3 years 1 – 36 months
★★★★☆ 4.0
Details Apply ad

Admiral Finance

Amount, $1 000 - $50 000 ;Term, 6 - 60 months

$1,000 – $50,000 Rate from 23.95% Approval: 6 - 60 months 6 – 60 months
★★★★☆ 4.0
Details Apply ad

Advanced Cash

Amount, $300 - $5 000 ;Term, 4 - 12 weeks

$300 – $5,000 Rate from 167.90% Approval: 4 - 12 weeks 1 – 3 months
★★★★☆ 4.0
Details Apply ad

ANZ

Amount, $3 000 - $40 000 ;Term,6 months - 7 years

$3,000 – $40,000 Rate from 12.90% Approval: 6 months - 7 years 6 – 84 months
★★★★☆ 4.0
Details Apply ad

ANZ Airpoints Visa

Amount, $500 - $20 000 ;Term, 1 - 12 months

$500 – $20,000 Rate from 19.95% Approval: 1 – 12 months 12 – 12 months
★★★★☆ 4.0
Details Apply ad

ANZ CashBack Visa

Amount, $500 - $20 000 ;Term, 1 - 12 months

$500 – $20,000 Rate from 19.95% Approval: 1 – 12 months 12 – 12 months
★★★★☆ 4.0
Details Apply ad

ANZ Home Loan

Amount, $50 000 - $1 000 000 ;Term, 1 - 30 years

$50,000 – $1,000,000 Rate from 5.99% Approval: 1 - 30 years 12 – 360 months
★★★★☆ 4.0
Details Apply ad

Aotea Finance

Independent NZ review of Aotea Finance personal loans from $500 to $5,000.

$500 – $5,000 Rate from 28.85% Approval: 1 - 24 months 1 – 24 months
★★★★☆ 4.0
Details Apply ad

ASB Home Loan

Amount, $1 000 - $10 000 000 ;Term, 6 months - 30 years

$1,000 – $10,000,000 Rate from 5.89% Approval: 6 months - 30 years 6 – 360 months
★★★★☆ 4.0
Details Apply ad

ASB Personal Loan

Personal loan from one of New Zealand's largest banks. Flexible terms, competitive rates, fast online application.

$1,000 – $100,000 Rate from 12.90% Approval: 1-2 business days 6 – 84 months
★★★★★ 4.3
Details Apply ad

Avanti Finance

Amount, $1 000 - $100 000 ;Term, 1 - 5 years

$1,000 – $100,000 Rate from 7.00% Approval: 1 - 5 years 12 – 60 months
★★★★☆ 4.0
Details Apply ad

BNZ

Amount, $1 000 - $30 000 ;Term, 3 - 60 months

$1,000 – $30,000 Rate from 12.65% Approval: 3 - 60 months 3 – 60 months
★★★★☆ 4.0
Details Apply ad

BNZ Home Loan

Amount, $10 000 - $2 500 000 ;Term, 6 months - 30 years

$10,000 – $2,500,000 Rate from 5.89% Approval: 6 months - 30 years 6 – 360 months
★★★★☆ 4.0
Details Apply ad

BNZ Lite Visa

Amount, $500 - $20 000 ;Term, 1 - 12 months

$500 – $10,000 Rate from 12.90% Approval: 1 – 12 months 12 – 12 months
★★★★☆ 4.0
Details Apply ad

BNZ Personal Loan

Personal loan from BNZ – one of New Zealand's big four banks. Competitive rates, no early repayment fees.

$1,000 – $30,000 Rate from 12.65% Approval: 1-3 business days 3 – 60 months
★★★★★ 4.2
Details Apply ad

Breezy Loans

Amount, $300 – $10 000 ;Term, 91 days – 24 months

$300 – $10,000 Rate from 108.00% Approval: 91 days – 24 months 24 – 24 months
★★★★☆ 4.0
Details Apply ad

CantWait

Independent NZ review of CantWait short-term loans from $250 to $2,000.

$250 – $2,000 Rate from 40.00% Approval: 1 - 15 weeks 1 – 3 months
★★★★☆ 4.0
Details Apply ad

CarFinance2U

Amount, $5 000 - $50 000 ;Term, 2 - 7 years

$5,000 – $50,000 Rate from 8.95% Approval: 2 - 7 years 24 – 84 months
★★★★☆ 4.0
Details Apply ad

Cash Converters

Amount, $500 - $3 000 ;Term, 3 - 12 months

$500 – $3,000 Rate from 49.95% Approval: 3 - 12 months 3 – 12 months
★★★★☆ 4.0
Details Apply ad

Cash Relief

Amount, $100 - $1 000 ;Term, 1 - 365 days

$100 – $1,000 Rate from 252.00% Approval: 1 - 365 days 1 – 1 months
★★★★☆ 4.0
Details Apply ad

Cash Till Payday

Amount, $500 - $3 000 ;Term, 3 - 12 months

$500 – $3,000 Rate from 18.00% Approval: 3 - 12 months 3 – 12 months
★★★★☆ 4.0
Details Apply ad

Credit Simple

Amount, $1 500 - $75 000 ;Term, 6 months - 7 years

$1,500 – $75,000 Rate from 6.99% Approval: 6 months - 7 years 6 – 84 months
★★★★☆ 4.0
Details Apply ad

Crester Credit

Amount, $800 - $15 000 ;Term, 7 - 36 months

$800 – $15,000 Rate from 10.00% Approval: 7 - 36 months 7 – 36 months
★★★★☆ 4.0
Details Apply ad

Farmers Mastercard

Amount, $500 - $20 000 ;Term, 1 - 12 months

$500 – $20,000 Rate from 25.95% Approval: 1 – 12 months 12 – 12 months
★★★★☆ 4.0
Details Apply ad

Ferratum

Amount, $100 - $3 500 ;Term, 1 - 45 days

$100 – $3,500 Rate from 0.00% Approval: 1 - 45 days 1 – 1 months
★★★★☆ 4.0
Details Apply ad

Finance Now Card

Amount, $100 - $50 000 ;Term, 1 - 12 months

$100 – $50,000 Rate from 19.95% Approval: 1 - 12 months 1 – 12 months
★★★★☆ 4.0
Details Apply ad

Finance Now Personal Loan

Finance Now offers personal loans and retail finance in New Zealand, with quick online applications and fast decisions.

$1,000 – $50,000 Rate from 12.95% Approval: 24 hours 12 – 60 months
★★★★☆ 3.9
Details Apply ad

First Credit Union

First Credit Union offers member-owned personal loans in New Zealand with competitive rates and ethical lending values.

$500 – $30,000 Rate from 12.95% Approval: 1-3 business days 6 – 60 months
★★★★★ 4.1
Details Apply ad

Future Finance

Amount, $1 000 - $80 000 ;Term, 12 - 60 months

$1,000 – $80,000 Rate from 16.99% Approval: 12 - 60 months 12 – 60 months
★★★★☆ 4.0
Details Apply ad

Gem Personal Loan

Amount, $2 000 - $200 000 ;Term, 6 - 84 months

$2,000 – $200,000 Rate from 9.99% Approval: 6 - 84 months 6 – 84 months
★★★★☆ 4.0
Details Apply ad

Gem Visa Card

Amount, $100 - $50 000 ;Term, 7 days - 12 months

$100 – $50,000 Rate from 20.95% Approval: 7 days - 12 months 12 – 12 months
★★★★☆ 4.0
Details Apply ad

Geneva Finance

Amount, $1 000 - $50 000 ;Term, 12 - 60 months

$1,000 – $50,000 Rate from 11.95% Approval: 12 - 60 months 12 – 60 months
★★★★☆ 4.0
Details Apply ad

Harmoney

Amount, $2 000 - $50 000 ;Term, 3 - 5 years

$2,000 – $50,000 Rate from 6.99% Approval: 3 - 5 years 36 – 60 months
★★★★☆ 4.0
Details Apply ad

Heartland Bank Personal Loan

Heartland Bank offers online personal loans in New Zealand with fast approval and no early repayment fees.

$2,000 – $70,000 Rate from 13.95% Approval: 24 hours 12 – 84 months
★★★★★ 4.1
Details Apply ad

Instant Cash

Amount, $300 - $50 000 ;Term, 1 - 60 months

$300 – $50,000 Rate from 30.00% Approval: 1 - 60 months 1 – 60 months
★★★★☆ 4.0
Details Apply ad

Instant Finance

Amount, $500 - $50 000 ;Term, 3 months - 7 years

$500 – $50,000 Rate from 9.95% Approval: 24 hours 3 – 84 months
★★★★☆ 4.0
Details Apply ad

Jacaranda Finance

Amount, $300 - $10 000 ;Term, 12 - 24 months

$300 – $10,000 Rate from 18.00% Approval: 12 - 24 months 12 – 24 months
★★★★☆ 4.0
Details Apply ad

Kiwi Cash

Amount, $300 - $10 000 ;Term, 12 - 24 months

$300 – $10,000 Rate from 68.00% Approval: 12 - 24 months 12 – 24 months
★★★★☆ 4.0
Details Apply ad

Kiwibank Home Loan

Amount, $10 000 - $3 000 000 ;Term, 1 - 30 years

$10,000 – $3,000,000 Rate from 5.75% Approval: 1 - 30 years 12 – 360 months
★★★★☆ 4.0
Details Apply ad

Kiwibank Personal Loan

Kiwibank personal loans offer competitive rates for New Zealanders, with online application and fast decisions.

$2,000 – $50,000 Rate from 13.85% Approval: 1-2 business days 6 – 60 months
★★★★☆ 4.0
Details Apply ad

Lending Crowd Personal Loan

Independent NZ review of Lending Crowd peer-to-peer loans from $2,000 to $200,000.

$2,000 – $200,000 Rate from 5.03% Approval: 2 – 5 years 60 – 60 months
★★★★☆ 4.0
Details Apply ad

Loans2Go

Amount, $1 000 - $50 000 ;Term, 6 - 60 months

$1,000 – $50,000 Rate from 15.95% Approval: 6 - 60 months 6 – 60 months
★★★★☆ 4.0
Details Apply ad

Loansmart

Amount, $1 000 - $10 000 ;Term, 6 - 60 months

$1,000 – $10,000 Rate from 13.95% Approval: 6 - 60 months 6 – 60 months
★★★★☆ 4.0
Details Apply ad

Max Loans

Amount, $227 - $158 000 ;Term, 6 - 84 months

$227 – $158,000 Rate from 17.95% Approval: 6 - 84 months 6 – 84 months
★★★★☆ 4.0
Details Apply ad

Moola

Amount, $1 000 - $10 000 ;Term, 6 - 48 months

$500 – $2,000 Rate from 40.00% Approval: 15 - 26 weeks 3 – 6 months
★★★★☆ 4.0
Details Apply ad

MTF Finance

MTF Finance specialises in vehicle and personal loans in New Zealand, with a nationwide dealer and broker network.

$2,000 – $100,000 Rate from 8.95% Approval: 24 hours 12 – 60 months
★★★★☆ 4.0
Details Apply ad

Nectar

Amount, $1 000 - $20 000 ;Term, 6 - 48 months

$1,000 – $20,000 Rate from 11.95% Approval: 6 - 48 months 6 – 48 months
★★★★☆ 4.0
Details Apply ad

NeedCashToday

Amount, $750 - $5 000 ;Term, 15 - 40 months

$750 – $5,000 Rate from 50.00% Approval: 15 - 40 weeks 3 – 10 months
★★★★☆ 4.0
Details Apply ad

NZCU South

Amount, $2 000 - $50 000 ;Term, 6 - 120 months

$2,000 – $50,000 Rate from 9.90% Approval: 6 - 120 months 6 – 120 months
★★★★☆ 4.0
Details Apply ad

Payday Advance

Amount, $500 - $3 000 ;Term, 3 - 12 months

$500 – $3,000 Rate from 49.45% Approval: 3 - 12 months 3 – 12 months
★★★★☆ 4.0
Details Apply ad

Pretty Penny Loans

Independent NZ review of Pretty Penny short-term loans from $50 to $500.

$50 – $500 Rate from 365.00% Approval: 7 - 42 days 7 – 7 months
★★★★☆ 4.0
Details No longer available

Pronto Finance

Amount, Fee, Total payment, Term; $5 000, $1 428.69, $6 428.69, 52 weeks

$200 – $20,000 Rate from 11.97% Approval: 1 - 52 weeks 1 – 13 months
★★★★☆ 4.0
Details Apply ad

Prospa Business Loan

Prospa specialises in small business loans in NZ, with fast online applications and same-day funding for eligible businesses.

$5,000 – $150,000 Rate from 9.90% Approval: Same day 3 – 24 months
★★★★★ 4.2
Details Apply ad

Purple Visa Card

Amount, $100 - $20 000 ;Term, 1 - 12 months

$100 – $20,000 Rate from 22.90% Approval: 1 - 12 months 1 – 12 months
★★★★☆ 4.0
Details Apply ad

Q Mastercard

Independent NZ review of the Q Mastercard credit card and how to log in.

$500 – $20,000 Rate from 25.99% Approval: 1 – 12 months 12 – 12 months
★★★★☆ 4.0
Details Apply ad

Quick Loans

Amount, $1 000 - $20 000 ;Term, 6 - 36 months

$1,000 – $20,000 Rate from 9.95% Approval: 6 - 36 months 6 – 36 months
★★★★☆ 4.0
Details Apply ad

QuickCash

Amount, $200 - $10 000 ;Term, 52 - 156 weeks

$200 – $10,000 Rate from 26.00% Approval: 52 - 156 weeks 13 – 39 months
★★★★☆ 4.0
Details Apply ad

Rapid Loans

Amount, $1 000 - $10 000 ;Term, 6 - 48 months

$1,000 – $10,000 Rate from 15.95% Approval: 6 - 48 months 6 – 48 months
★★★★☆ 4.0
Details Apply ad

SBS Bank Personal Loan

SBS Bank is a customer-owned mutual bank offering personal loans in New Zealand with competitive rates.

$1,000 – $50,000 Rate from 12.95% Approval: 1-3 business days 12 – 84 months
★★★★☆ 4.0
Details Apply ad

Seed Cash

Independent NZ review of Seed Cash short-term loans and how to apply.

$300 – $5,000 Rate from 167.90% Approval: 4 - 28 weeks 1 – 7 months
★★★★☆ 4.0
Details Apply ad

SmartCash

Independent NZ review of SmartCash small short-term loans from $100 to $500.

$100 – $500 Rate from 36.00% Approval: 14 - 30 days 14 – 14 months
★★★★☆ 4.0
Details Apply ad

Superloans

Amount, $100 - $3 000 ;Term, 1 - 52 weeks

$100 – $10,000 Rate from 9.95% Approval: 1 - 52 weeks 1 – 13 months
★★★★☆ 4.0
Details Apply ad

Teensy

Amount, $400 - $5 000 ;Term, 6 - 26 weeks

$400 – $5,000 Rate from 49.95% Approval: 6 - 26 weeks 1 – 6 months
★★★★☆ 4.0
Details Apply ad

The Cooperative Bank Personal Loan

The Cooperative Bank is customer-owned, offering personal loans with competitive rates and ethical banking values.

$1,000 – $50,000 Rate from 12.95% Approval: 1-3 business days 12 – 60 months
★★★★★ 4.1
Details Apply ad

The Lending People

Amount, $3 000 - $75 000 ;Term, 1 - 7 years

$3,000 – $75,000 Rate from 6.99% Approval: 1 - 7 years 12 – 84 months
★★★★☆ 4.0
Details Apply ad

The Lending Room

Amount, $500 - $25 000 ;Term, 6 - 60 months

$500 – $25,000 Rate from 7.00% Approval: 6 - 60 months 6 – 60 months
★★★★☆ 4.0
Details Apply ad

TSB Personal Loan

TSB Bank offers competitive personal loans for New Zealanders, with fixed rates and straightforward application.

$2,000 – $50,000 Rate from 12.95% Approval: 1-3 business days 12 – 84 months
★★★★★ 4.1
Details Apply ad