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Lending.

Without the awkward.

Funding time
97% same-day
Check your rate

100% online

7-minute quote

Interest rates

from 9.95% 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

Check your rate  

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 9.95% - 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 5:00 am*

  • 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

9.95% - 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

✓

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 drivers license or New Zealand passport.

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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 9.95% 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.