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Lending.

Without the awkward.

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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4.9/5

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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 6:08 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

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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;

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

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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

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

Nectar Money Personal Loan Rates by Credit Profile

 

Nectar Money unsecured personal loan rates range from 9.95% to 29.95% p.a. depending on your credit profile, income, borrowing capacity,

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Top-Tier Credit Deserves Top-Tier Rates — Our Pricing Competes with the Banks

 

It's a common myth that non-bank lenders will always charge higher rates - but our rates start much lower than

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Rebuild Your Credit Score in NZ: A Smarter Way Forward

 

For many Kiwis, improving a credit score isn’t about the numbers, it’s about regaining stability, confidence and peace of mind.

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Learn More

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

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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.