Nectar Logo

Loans NZ

Borrow Better. Faster.

PersonalCompetitive rates

Time$1,000 - $30,000 unsecured

DayMoney in your account within a day

OnlineSimple, 100% online process

  • Feefo 2021 Award
  • Feefo 2022 Award

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

If I borrow


my repayments
will be as low as




total payable

Get your personalised loan quote as soon as 2:13 pm1

  • Simple, 7 minute application

    Apply online, 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.

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Loved by Kiwis, owned by Kiwis

Nectar is 100% Kiwi owned and operated. Taking our inspiration from pioneering lenders across the world, we offer a service that is unmatched on our shores. Take a look at what other Kiwis say about us.

Amazing service fast & friendly👍🏾✅ '

Amazing service @Jodie Williams. Thanks for staying with us all the way✅✅✅ Would recommend Nectar to Famz & Friends👍🏾😄

L.T in Gisborne

Awesome customer service, very clear of what was needed to complete application. Very bubbly and friendly made my experience dealing with customer service a great one. Cheers Nectar 🙂


Hassle Free!! '

No words can describe how fast and efficient the overall service I received from Jodie & the team of Nectar. I had my approval and funds within 24 hours. Thank you for making the overall process smooth as possible.


Great service. Quick, friendly and professional. Recommend to others and will definitely use their services again in the future.

Trusted Customer

I would definitely recommend Nectar. Extremely helpful and they did their utmost to cater to my needs. They do not put any pressure on you AT ALL and are happy to do things at your speed. GREAT communication too :)

Trusted Customer

No Stress Borrowing with excellent support by Jodie Collins :) '

It Was a easy Process even though i was a complicated applicant :) With The Help of the Amazing Jodie Collins we got there with no fuss , she walked me through the process ,and explained Affordability etc so i was confident of the Amount i was Borrowing ... It was Jodie for me ,Excellent service :)

Thomas in Auckland

Help when needed. '

Excellent service both online and directly with friendly helpfull people I solved a problem in a few hours that frankly I thought would be impossible to resolve Thanks very much Paul.

Paul in Auckland

Fricken awesome! '

I was on the phone with Angie, she was awesome! Everything went easy as, thank you very much for making my move easy!


Fast, friendly and easy. Will recommend to family and friends. Thanks Nectar👍👍👍👍💯

Vanessa in Tokoroa

Simple & easy process! '

Thank you for the kind assistance in this process! It was a smooth and easy process and I didn’t have to scramble around for documents or information. The adviser handling my application was very clear and thorough and helped me get through the application stress free.

Trusted Customer

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

Loans made simple

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Terms and conditions
1 A Nectar Loan is subject to responsible lending checks, credit criteria and terms and conditions. Nectar’s personalised interest rates are from 8.95% 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.