Emergency Loans

Cover urgent expenses fast!

PersonalBorrow $2k - $40k

OnlineInterest rates from 11.95% p.a unsecured*

Time7-minute personalised quote

DaySame-day payout if approved

Check your rate
  • Feefo 2022 Award
  • Feefo 2023 Award
  • Feefo 2024 Award

Help work out how much you can borrow

$20000

$2,000 $40,000

Check your rate

Repayments as low as

$124.27

per

over

total payable
$25,849

* Note: Calculator results are a guide to repayment amounts, based on a 11.95% p.a. interest rate. A Nectar Money loan requires an application form to be completed. Responsible lending checks must then be successfully performed. Lastly, our standard lending criteria must be fulfilled. Results include a $240 establishment fee and $1.75 admin fee per repayment. Interest rates are from 11.95% p.a – 29.95% p.a fixed based on your unique circumstances.

Take a look at what other Kiwis say about us

Fast emergency loans, and when you need it the most

Simplify

Apply online, anytime

It doesn’t matter what device you’re using – our online loan portal is quick and easy to use. You can complete your entire application online and avoid time-consuming paperwork.

View our free Emergency Loan Guide.

Fixed Interest Rate

Get a Same-Day Emergency Loan

Emergencies are often time-sensitive, so we don’t muck around. Once you’ve completed your application, if eligible, you’ll get your rate and offer instantly. If approved you could have the funds in your account as soon as a few hours.

Why choose Nectar Money when you need an emergency loan?

Get your personalised loan quote
as soon as 4:49 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.
  • Step1
  • Step2
  • Step3

Note: Details above are illustrative only.

Up front rates with no hidden fees

Unsecured

Loan sizes

Unsecured
$2,000 - $40,000

Establishment Fee

Establishment fee

$240
$1.75 admin fee per repayment

Interest Rate

Interest rates (p.a.)

11.95% - 29.95%

Loan Terms

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

Common emergency loan questions

1. How quickly can I get an emergency loan?

Most people receive a personalised quote in about 7 minutes. If approved and you sign your loan contract during processing hours, we aim to pay funds the same day.

2. What counts as an emergency expense?

Car repairs, medical or dental bills, vet bills, essential home repairs, urgent travel, or catching up on essential bills.

3. What helps speed up approval?

Have your ID ready, enable internet banking verification, and provide complete and accurate income/expense details.

4. Do you offer small emergency loans?

Our current range is $2,000–$40,000 for terms of 6–60 months.

5. Will applying affect my credit score?

We may check your credit as part of responsible lending but this will not affect your credit score. Making on-time repayments can help build your credit over time.

6. Can I repay early?

Yes—there are no early repayment fees.



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

Emergency Loan Guide for New Zealand

 

In this guide, we’ll navigate the landscape of emergency loans in New Zealand, helping you understand what they entail

Read More

What is an emergency loan, and how does it work?

 

Emergency loans, also known as quick loans, fast loans or urgent loans, can help take care of a surprise expense.

Read More

Key considerations when getting an urgent loan

 

What is an emergency loan or urgent loan? Why might I get an urgent loan?

Read More
Learn More

Personal loans that fit 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 in minutes with no obligation to accept1

FSF Logo DigiCert Logo
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 11.95% 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.