A loan from Nectar can be used for almost any situation.

Whether it's to cover an unplanned expense, improve your home or consolidate debt, Nectar is here to help.


Our friendly, understanding staff are available to answer your questions by phone, email or online chat.

Debt Consolidation

Consolidate multiple loans into one payment

Loans for You

Buy a car, take a trip, upgrade your home or do something else for you

Emergency Loans

Take control and pay off unexpected expenses

How We Compare

Approval Speed

Nectar

Minutes*

Banks

Hours or days

Finance Companies

Hours or days

Funding Speed

Nectar

As early as today

Banks

Days

Finance Companies

Days

Average Interest Rates

Nectar

11.95% - 29.95%

Banks

13.95% - 19.95%

Finance Companies

Often one rate for everybody

Establishment Fees

Nectar

$195+

Banks

$240+

Finance Companies

$250+

Application Type

Nectar

100% online, minimal documentation

Banks

Extensive paperwork

Finance Companies

Paperwork & in-person verification

Funding Amounts

Nectar

$1,000 - $15,000

Banks

$3,000+

Finance Companies

$500+

Payback Period

Nectar

6 months - 3 years

Banks

1 year - 5 years

Finance Companies

6 months - 7 years

Early Termination Fee

Nectar

None

Banks

Common

Finance Companies

Yes

* If your application is outside our parameters for processing online, it will delay the time it takes to provide an answer.
** The above information is a generalised summary information and is accurate as at May 2017