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100% online

7-minute quote

Interest rates

from 7.95% p.a.*

Borrow from

$2K - $50K

Direct lender

100% kiwi

Get your personalised loan quote as soon as 2:16 pm*

  • 01

    Simple, 7 minute application

    Apply online today and get your personalised loan quote.

  • 02

    Choose a loan option

    Select the amount and payment option that suits you.

  • 03

    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
*Nectar Money's personalised interest rates are from 7.95% - 29.95% p.a fixed based on your unique circumstances, and is subject to responsible lending checks, credit criteria and terms and conditions. A $240 establishment fee and $1.75 admin fee per repayment applies.

Up front rates with no hidden fees

  • Loan sizes

    $2,000 - $50,000

  • Establishment fee

    $240. $1.75 admin fee per repayment

  • Interest rates

    7.95% - 29.95% p.a. fixed

  • Loan terms

    6 months - 5 years

Loan Features

  • Loans are unsecured
  • No early repayment penalties
  • We fix your personalised interest rate for the life of the loan
  • 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

  • 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
  • You must not have any serious bad debts or payment defaults
  • You must have a New Zealand driver's licence or New Zealand passport

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