Rapid Loans
Amount, $1 000 - $10 000 ;Term, 6 - 48 months
$1,000 – $10,000
Rate from 3,30 %
Approval: 6 - 48 months
Online Loans in New Zealand
We compare 18 offers. Updated 20 Apr 2026.
Best Online Loans 2026
Jacaranda Finance
Amount, $300 - $10 000 ;Term, 12 - 24 months
$300 – $10,000
Rate from 1,50 %
Approval: 12 - 24 months
Quick Loans
Amount, $1 000 - $20 000 ;Term, 6 - 36 months
$1,000 – $20,000
Rate from 9,95 %
Approval: 6 - 36 months
Cash Converters
Amount, $500 - $3 000 ;Term, 3 - 12 months
$500 – $3,000
Rate from 49,95 %
Approval: 3 - 12 months
Ferratum
Amount, $100 - $3 500 ;Term, 1 - 45 days
$100 – $3,500
Rate from 0,00 %
Approval: 1 - 45 days
Harmoney
Amount, $2 000 - $50 000 ;Term, 3 - 5 years
$2,000 – $50,000
Rate from 6,99 %
Approval: 3 - 5 years
Nectar
Amount, $1 000 - $20 000 ;Term, 6 - 48 months
$1,000 – $20,000
Rate from 11,95 %
Approval: 6 - 48 months
Loansmart
Amount, $1 000 - $10 000 ;Term, 6 - 60 months
$1,000 – $10,000
Rate from 13,95 %
Approval: 6 - 60 months
Moola
Amount, $1 000 - $10 000 ;Term, 6 - 48 months
$500 – $2,000
Rate from 40,00 %
Approval: 15 - 26 weeks
Max Loans
Amount, $227 - $158 000 ;Term, 6 - 84 months
$227 – $158,000
Rate from 17,95 %
Approval: 6 - 84 months
Breezy Loans
Amount, $300 – $10 000 ;Term, 91 days – 24 months
$300 – $10,000
Rate from 108,00 %
Approval: 91 days – 24 months
Instant Finance
Amount, $200 - $20 000 ;Term, 3 - 36 months
$200 – $20,000
Rate from 29,95 %
Approval: 3 - 36 months
Lending Crowd Personal Loan
Amount, $2 000 - $200 000 ;Term, 2 – 5 years
$2,000 – $200,000
Rate from 5,03 %
Approval: 2 – 5 years
Westpac Personal Loan
Westpac offers fixed-rate personal loans with no early repayment fees. Apply online and get a decision quickly.
$3,000 – $50,000
Rate from 12,95 %
Approval: 1-2 business days
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
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
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
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
Apply for a loan entirely online
Online loans let you complete the entire application from your phone or computer. No branch visit, no paper forms. Most online lenders in New Zealand give you a decision within minutes and transfer funds the same day if approved. Some, like Harmoney and Jacaranda Finance, process applications 24 hours a day, 7 days a week.
The application typically asks for your name, contact details, employment information and bank account details. Many lenders use open banking to verify your income directly from your bank transactions, which speeds up the process and removes the need to upload payslips.
What to watch out for with online lenders
Online lenders include both registered banks and non-bank lenders. Check that the lender is registered under the Financial Service Providers Register (FSPR) before applying. Rates vary widely: reputable online lenders charge from around 10% p.a., while some short-term lenders charge significantly more.
Avoid lenders that guarantee approval before assessing your application or that ask for upfront fees. Legitimate lenders do not charge fees before approving your loan. Read the terms carefully and confirm the total repayable amount before accepting any offer.