These are not values that sit on a wall. They shape how we assess applications, how we communicate, how we use technology, and how we try to give more New Zealanders a fair path to finance.

F

Follow Through

We do what we say we will do, and we see it through properly, because people remember what happened, not what was promised.

What this means for you: clearer next steps, better follow-up, and less wondering what happened to your application.

A

Act Responsibly

We do the right thing, even if no one is watching, taking responsibility for our customers, our team, our investors and the business we are building together.

What this means for you: speed still comes with care, and a yes still has to be a yes that makes sense.

S

Speak Plainly

We keep things clear, honest and human, so people always know where they stand and what happens next.

What this means for you: fewer vague answers, less jargon, and a more straightforward borrowing experience.

T

Think Forward

We stay curious, use technology early, and build practical answers that make life simpler, faster and better for real people.

What this means for you: less friction, quicker decisions, and a service that keeps improving instead of standing still.

Why Speed Matters

Fast when you need money. Human when it matters most.

At Nectar, speed is not a gimmick. It is one of the most practical ways we can reduce stress for people who need a clear answer and need it quickly. Smart technology helps us remove delays, reduce paperwork, and give people a faster path from application to outcome.

But fast does not have to mean distant. In a market where more lenders are leaning harder into automation, we still believe human judgement matters. Context matters. Fairness matters. Real people do not always fit a rigid machine-made mould, and we think lending works better when technology supports decision-making instead of replacing thought altogether.

That is the balance we are aiming for: efficient where speed helps, thoughtful where judgement matters, and practical from beginning to end.

Fast like technology. Fair like people.

We want the process to feel quicker, but never colder.

Automation should remove friction. Human judgement should add context.

That is how lending can become faster, clearer, and more practical for real people.

What This Looks Like

Technology helps us move faster. People help us lend better.

A fast application is only part of the story. What matters is having a lending model that can move quickly without turning people into nothing more than a score and an instant automated answer.

Faster paths

We use technology to streamline the process, reduce friction, and help customers get from quote to outcome more quickly.

Fairer judgement

We still look at the bigger picture, because life does not always present as neat, perfect data and not every borrower fits a bank-style template.

Clearer communication

We try to make the process feel more human, with plain-English explanations and a better sense of where you stand.

Pricing With Perspective

Not everyone should be priced the same

We do not believe the best lending model is one that either gives everyone the same rate or simply says no to anyone outside a narrow box. Stronger profiles should get sharper pricing. People who are rebuilding should still be treated as individuals and given real options where responsible lending allows it.

Excellent credit should earn the sharpest rate

7.95% p.a.* to 11.95% p.a.*

If your credit profile is excellent, you should be able to access the best pricing we offer. Our unsecured personal loan pricing ranges from 7.95% p.a.* to 11.95% p.a.*, which includes one of the lowest unsecured personal loan rate in the country. That range is possible because we do not force every customer into a single bucket.

Responsible options matter too

14.95% p.a.* to 22.95% p.a.*

Plenty of real people fall somewhere in the middle. They may not qualify for the very best rate, but they still deserve an offer that reflects their actual situation rather than a blunt automated no.

A tougher credit history should not always mean the door is shut

24.95% p.a.* to 29.95% p.a.*

Some customers are rebuilding after a rough patch. That can come with more risk, and responsible lending means pricing needs to reflect that. But we would rather offer a fair option where we can than default to a blanket no and leave people with nowhere to go.

What We Want People To Feel

Clear, capable, and properly looked after

FAST is not just about getting through applications quickly. It is about giving people a borrowing experience that feels simpler, more transparent, and more practical from start to finish.

You know where you stand

We try to communicate clearly, set realistic expectations, and avoid the kind of vague process that makes lending feel harder than it needs to be.

You are judged on more than one blunt rule

Technology helps us move faster, but the goal is still to make practical decisions with proper context, not to push everyone through the same emotionless filter.

You can build from here

For some customers, access to finance is part of a longer journey. We want to create pathways forward, not just one-off transactions.

You get speed without losing accountability

Fast service matters, but so does follow-through. A quicker process still needs to be backed by real support, good judgement, and responsible lending.

Speed is part of our promise. Values are what make it work.

Nectar combines smart technology with human judgement to make financial services faster, easier and more human for everyday Kiwis. That is what FAST means to us in practice. If you want to see how that shows up in lending decisions, read more about why we keep humans in the loop.

Check your rate Why we choose humans See rates & terms Explore Credit Builder

* A Nectar Money loan is subject to responsible lending checks, credit criteria and terms and conditions. Nectar Money's personalised interest rates are from 7.95% 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.

Our Values

Life moves fast. We act FAST.