0800 855 888We make lending more human 
We combine smart technology with human judgement to make financial services faster, easier and more human for everyday Kiwis.
Our Mission
Fast when you need speed. Human when it matters most.
Plenty of lenders talk about speed. Fewer explain what happens after you press submit. At Nectar, we use technology to make applying fast and straightforward, but we do not believe people should simply be thrown into an emotionless machine and left to whatever outcome a rigid algorithm decides.
That is why we combine digital efficiency with real human judgement. The result is a lending experience that can still deliver a 7-minute application, fast quotes, and same-day funding, while keeping room for context, fairness, and common sense.
At a time when more and more businesses are embracing AI-only decisioning, we still believe there are moments where human judgement can lead to fairer outcomes.
You’re an individual, so is your rate
Not everyone should be priced the same
We use risk-based pricing so we can reward stronger credit profiles with our sharper rates, while still giving fair or developing borrowers a chance to access finance.
7.95% p.a.* to 11.95% p.a.*
Excellent credit should earn the sharpest rate
If your credit profile is excellent, you should be able to access the best pricing we offer.
Responsible options matter too
A tougher credit history should not always mean the door is shut
Our Values
Life moves fast. We act FAST.
When people need money, they usually need an answer now. FAST is the shorthand for the way we work: Follow Through, Act Responsibly, Speak Plainly, and Think Forward.