Emergency Loans

Take control of unexpected expenses!

PersonalCompetitive rates

Time$2,000 - $30,000 unsecured

DayMoney in your account within a day

OnlineSimple, 100% online process

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A loan that suits you. How much do you need?


$2,000 $30,000

Repayments as low as




total payable

Take a look at what other Kiwis say about us

Fast online loans, and when you need it the most


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.

Fixed Interest Rate

Get Same-Day Emergency Funds

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 when you need an emergency loan?

Get your personalised loan quote
as soon as 2:43 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.

* A Nectar Money loan is subject to responsible lending checks, credit criteria and terms and conditions.
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Up front rates with no hidden fees


Loan sizes

$2,000 - $30,000

Establishment Fee

Establishment fee

$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

Common emergency loan questions

1. What is an emergency personal loan?

An emergency personal loan is money borrowed from a bank or online lender for urgent personal expenses, after a successful loan application. An emergency loan is not usually secured by collateral. Lenders approve personal loans based on an applicant's credit score, regular income, and financial history. Secured loans, on the other hand, require collateral such as a house or car.

2. How does a Nectar emergency loan work?

As a responsible lender, we consider your financial and personal circumstances when evaluating your personal loan application from Nectar. Nectar offers a range of personal loans for different personal circumstances - car loans, emergency loans, debt consolidation loans, home improvement loans, holiday loans and even wedding loans.

We need to know about your income, expenses, and any debts or loans you have. We will provide you a Nectar loan quote, including the interest rate, maximum borrowing amount and repayment terms. You can then choose if you wish to accept it.

Managing your Nectar emergency loan is easy. Borrowers can access the Nectar borrower portal to view their loan balance, upcoming repayment dates, repayment amounts due and apply for loan top ups.

3. What are the benefits of a Nectar emergency loan?

Emergency loans can offer several benefits including:

  • Quick access to cash for urgent or unexpected expenses.

  • No early repayment fees: provides the flexibility to repay the loan faster, if your circumstances permit, without incurring additional charges. This can greatly lower the overall interest expense throughout the loan's duration, making debt management more affordable and effective.

  • Lower interest rate: personal loans often carry lower interest rates than credit cards or other types of loans. This could potentially save you a significant amount of money over the life of your loan.

  • Fixed repayment schedule: with a personal loan, you’ll know exactly when your debt will be paid off. The fixed repayment schedule provides a clear roadmap to becoming debt-free.

  • Lower monthly payments: personal loans can offer lower monthly payments than other forms of debt. This can be beneficial if you are on a tight budget.

  • Improved credit score: personal loans can improve your credit score if managed correctly. Regular, timely repayments can demonstrate that you are taking action to manage and reduce your debt. Over time, this may have a positive effect on your credit score.

4. Can I pay off my Nectar emergency loan early?

Yes. There is no early repayment fee.

5. How do I apply for a Nectar emergency loan?

We have an online loan application process. Before you apply online, you should prepare for the application process by having the following documents handy:

  • Your NZ drivers licence or NZ passport details.

  • Access to internet banking.

  • Information about your employment, living arrangements and financial situation.

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

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

Get started

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 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.