Online Loans

Nectar Money Sweeter

PersonalCompetitive rates

Time$2,000 - $40,000 unsecured

DayMoney in your account within a day

OnlineSimple, 100% online process

Check your rate
  • Feefo 2022 Award
  • Feefo 2023 Award
  • Feefo 2024 Award

Take a look at what other Kiwis say about us

We're changing the game to make it faster and more convenient for you to get online loans

Check your rate  

If I borrow

$20,000

my repayments
will be as low as

$105.24

per  

over  

total payable

Note: Calculator results are a guide to repayment amounts, based on a 11.95% p.a. interest rate. A Nectar Money loan requires an application form to be completed. Responsible lending checks must then be successfully performed. Lastly, our standard lending criteria must be fulfilled. Results include a $240 establishment fee and $1.75 admin fee per repayment. Interest rates are from 11.95% p.a – 29.95% p.a fixed based on your unique circumstances.

Get your personalised loan quote as soon as 3:15 pm*

  • Simple, 7 minute application

    Apply online today and get your personalised loan quote.

  • Choose a loan option

    Select the amount and payment option that suits you.

  • Receive funds as soon as today

    If approved, we aim to have the funds in your account the same day as your contract being signed online.

Check your rate
* A Nectar Money loan is subject to responsible lending checks, credit criteria and terms and conditions.
  • Step1
  • Step2
  • Step3

Note: Details above are illustrative only.

  • Step0
  • Step1
  • Step2
  • Step3
  • Step4

Our latest resources

Keen to better manage your personal finances or understand how personal loans work? We explain how to make better financial decisions, regardless of your personal situation

A Smarter Secured Car Loan Option for Kiwis

,  

We’ve introduced a flexible, borrower-first secured car loan. Combines the benefits of personal loans with the strength of secured financing.

Read More

Holiday Loans NZ : A Complete Guide for Kiwis

,  

Kiwis need to fund holidays. Sometimes that means a holiday loan for their dream trip or for urgent travel needs.

Read More

Personal Loans for Renters in NZ: Help with Moving Costs, Bonds & Home Essentials

,  

A personal loan can offer renters in NZ flexible, fast support when it's needed most.

Read More
Learn More

Personal loans that fit your needs

Whether it’s to cover a major expense or improve your home, Nectar Money may be able to help

Debt Consolidation Loans

Consolidate multiple loans into one payment

Car Loans

Buy a car today with our car loans

Home Improvement Loans

Get a home improvement loan with a competitive rate

Holiday Loans

Take care of your holiday costs in advance

Emergency Loans

Take control and pay off unexpected expenses

Wedding Loans

Manage your wedding expenses and ensure your special day runs smoothly

Check your rate

Get your personalised loan quote in minutes with no obligation to accept1

FSF Logo Logo
Terms and conditions
1 A Nectar Money loan is subject to responsible lending checks, credit criteria and terms and conditions. Nectar Money’s personalised interest rates are from 11.95% p.a – 29.95% p.a fixed based on your unique circumstances. A $240 establishment fee and $1.75 admin fee per repayment applies. There are no early repayment penalties.