Check your rate

Estimate repayments on a Nectar personal loan

$2,000
$50,000

per

Over

Total Payable: $27,363
Repayments as low as
$105.24
Get a personalised estimate
Check your rate

Won’t affect your credit score.

*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 based on an 11.95% interest rate and include the above fees.

Use our personal loan calculator to help work out a loan that fits your needs

Whether it’s to cover a major expense or improve your home, Nectar Money may be able to help

Debt Consolidation Loans

Consolidate multiple loans into one payment

Car Loans

Buy a car today with our car loans

Home Improvement Loans

Get a home improvement loan with a competitive rate

Holiday Loans

Take care of your holiday costs in advance

Emergency Loans

Take control and pay off unexpected expenses

Wedding Loans

Manage your wedding expenses and ensure your special day runs smoothly

Check Your Rate

Get your personalised loan quote as soon as 4:42 am*

  • 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