Personal Loans in New Zealand

Sometimes life throws us curveballs. Car repairs, Bond for a new Flat, or Unexpected Bills can leave us scrambling for cash. But not anymore. Here at Loan Plus, we can help you get a loan online quickly and without fuss.

After all, we work with great NZ Loan providers throughout the country on your behalf, getting you the best loan we can to suit your circumstances.

We understand what lenders are looking for in a Loan Application, and we take care of all of the negotiations about the loan for you, saving you time and hassle, and making sure your application is well presented.

You can use your personal finance loan for almost anything you can imagine. Some of our more common uses include such things as travel loans, wedding loans, helping out with funeral expenses, buying furniture or whiteware, and vehicle repairs.

Need the funds in a hurry? We Can Help!

When you need a fast turnaround on your loan application, come see us. To be able to offer quick personal loans online, we use our high end software and quality IT partner companies to help make the information flow as painlessly and securely as possible. In many cases, the entire loan can be completed Online, including signing the Loan Documents.

To apply for personal loan is simple. Just fill in our online loan application form and one of our lending consultants will get straight onto it.

Types of Personal Loans We Offer

At Loan Plus, we help people like you get funds when they need it with two types of personal loans:

Secured personal loans are when you use an asset like a car or home as security for your loan. This can help us get you a bigger loan at a lower interest rate.

An unsecured personal loan doesn’t need you to provide any security, and while it can have a higher interest rate, we’ll work hard with our lenders to get you the loan which best suits your needs.

For quick personal loans in NZ, you can rely on Loan Plus. Experts in our field, we’ve been helping New Zealanders get the funds they need since 2011. With access to multiple lenders throughout the country, we have a range of great deals for our clients.

Providing one on one service, we’ll walk you through the loan process, letting you know what is happening every step of the way. For personal loans online, trust the experts: trust Loan Plus.


How much can I borrow?


Personal Loans are our most common Loan type. They come in all shapes and sizes, from as little as $1,000 Loans right through to $20,000 Loans. You can also use our Loan Repayment Calculator to help estimate your payments


what can i use the money for?


Personal Loans can usually be used for any reason, and common examples include things like Travel, Household Bills, Weddings, Funerals, Car Repairs etc.


How long is the loan?

They are usually repaid over 1 to 2 years, but longer terms are available on request for larger loan amounts.


what will my interest rate be?


Being a Personal Loan Broker, we have access to a range of NZ Personal Loan Rates and Loan Terms, and our goal is to secure the Loan that best meets your objectives. Personal Loan Interest Rates and Terms are based on a number of Lending factors, including such things as Affordability, Age, Security etc


who can get a personal loan?

Personal Loans are for Individuals or Couples (ie not for Business purposes), and you need to be a NZ Permanent Resident or NZ Citizen to apply.

You will need to be able show income to service the loan - this could be from Wages, Benefit/ACC, or self-employed income. Your minimum income per week must be more than $400 (in the hand)

Generally lenders require a Good Credit History for Personal Loans, and you will need to be over 22 years of age.

Please note you will need to be able to provide Photo ID to apply - ie Drivers Licence, Passport etc


what if i have bad credit?

We can still assist if you have Bad Credit, however you will need to provide a good quality Motor Vehicle or Home as Security for the loan. This could be provided by a Guarantor on your behalf if this is an option for you.


We have a variety of loan types, including Unsecured and Secured Personal Loans, Car Loans, Home Renovations, Debt Consolidation and more. Let us help take the stress of your next loan.

Please note as a Responsible Lender we do not offer short term (Payday) loans. Our loans range in term from a Minimum of 6 months to a Maximum of 5 years. Interest Rates are determined on your income, affordability, credit history and security (if any), and currently range across our panel of lenders from 15.95% to 39.95% per annum.

An example of a typical loan would be;

Loan Amount $5,000
Loan Term 2 Years
Interest Rate 21.95%
Weekly Payment $69.93
Lender Establishment Fee $250
Lender Administration Fee $15 per Month
Loan Plus Service Fee (Broker Fee) $350
Sum of Total Payments $7,271.62
The maximum APR possible for the above example is 27.13%