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Fast like a fintech.

Fair like a human.

We combine smart technology with real human judgement to find a loan that works for you.

Personalised Rate Options

Excellent Credit
Lowest rates around.
Good Credit
Bank Rates.
Developing Credit
Fair rates for building your profile.
Special Credit Builder Offer
0% Interest, $1000 loan for 6 months to improve your overall credit score.

Personalised rate options

Excellent
Good
Developing
Funding time
97% same-day
Check your rate

100% online

7-minute quote

Interest rates

from 7.95% p.a.*

Borrow from 2k - 50k

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4.7/5
4.9/5

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 access online loans

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If I borrow

$20,000

my repayments
will be as low as

$105.24

per  

over  

total payable

*Nectar Money's personalised interest rates are from 7.95% - 29.95% p.a fixed based on your unique circumstances. A $240 establishment fee and $1.75 admin fee per repayment applies. Calculator results are a guide to repayment amounts based on a 11.95% interest rate and include the above fees.

Get your personalised loan quote as soon as 3:14 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.
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Note: Details above are illustrative only.

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Up front rates with no hidden fees

Unsecured

Loan sizes

$2,000 - $50,000

Establishment Fee

Establishment fee

$240
$1.75 admin fee per repayment

Interest Rate

Interest rates

7.95% - 29.95% p.a.

Loan Terms

Loan terms

6 months - 5 years

Loan features

✓

Loans are unsecured

✓

No early repayment penalties

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We fix your personalised interest rate for the life of the loan

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You can make repayments weekly, fortnightly or monthly depending on your pay cycle

Find out more about Nectar's interest rates and fees

Eligibility criteria

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You must be 18 or over;

✓

You must have an income of $350 per week (after tax) or more;

✓

You must be a permanent resident or citizen of New Zealand;

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You must not have any serious bad debts or payment defaults;

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You must have a New Zealand drivers license or New Zealand passport.

Our latest resources

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Learn More

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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 7.95% 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.