$2,000 - $30,000 unsecured
Money in your account within a day
Simple, 100% online process
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.
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.
Apply online today and get your personalised loan quote.
Select the amount and payment option that suits you.
If approved, we aim to have the funds in your account the same day as your contract being signed online.
$2,000 - $30,000
$1.75 admin fee per repayment
11.95% - 29.95%
6 months - 5 years
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.
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.
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.
Yes. There is no early repayment fee.
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.
Consolidate multiple loans into one payment
Buy a car today with our car loans
Get a home improvement loan with a competitive rate
Take care of your holiday costs in advance
Take control and pay off unexpected expenses
Manage your wedding expenses and ensure your special day runs smoothly