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Nectar Logo

Borrow Better. Faster.

PersonalCompetitive rates

Time$1,000 - $25,000 unsecured

DayMoney in your account within a day

OnlineSimple, 100% online process

  • Feefo 2020 Award
  • Feefo 2021 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 4:20 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.

So glad I found these guys. Amazing service and super helpful. Thanks to Riaz for your top notch service. Definitely recommend.

Steven Palmer

Couldn't go any better ! Thanks guys. Riaz was amazing :-) he is very good at his job !

Wesley Billowes

I found your staff to be very friendly and informative. Applying for the loan digitally saved time having to send paper work back and fourth. So this was great!! I will definitely refer friends and family to Nectar in the future.

Dan Tehuna

Your team had been fantastic, I was treated with so much understanding. With your help I have now manage to get more control back with my loans by having now a lesser payment per month and I am saving on interest. Thank you for that. I would definitely refer people to you.

Christine Maree

Five stars.

Allison Seath, Tauranga

Excellent customer service from Symon very responsive to calls/emails and messages if you need a loan check out Nectar Money

Aaron Wells, Auckland

Awesome people awesome company will be going far

Taylor Bell, Christchurch

Five Star Rating. Great customer service.

Cameron Wislang, Auckland

Five star rating!

Fiona, Lower Hutt

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.