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Borrow $2k - $40k
Interest rates from 11.95% p.a
unsecured*
7-minute personalised quote
Same-day payout if approved
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
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.
Unsecured
$2,000 - $40,000
$240
$1.75 admin fee per repayment
11.95% - 29.95%
6 months - 5 years
A personal loan lets you borrow a fixed amount for things like consolidating debt, buying a car, covering emergencies or home improvements. Nectar personal loans are unsecured with a fixed interest rate and a clear repayment schedule, so your repayments stay the same for the life of the loan.
You can apply to borrow $2,000–$40,000 on terms from 6 months to 5 years, subject to lending criteria and affordability checks. Choose weekly, fortnightly or monthly repayments to match your pay cycle.
Personalised fixed interest rates currently range from 11.95% p.a. to 29.95% p.a. Fees include a $240 establishment fee and a $1.75 administration fee per repayment. There are no early repayment penalties.
See the full breakdown on the Rates & Terms page.
Complete the online application (about 7 minutes) and receive an instant quote including your interest rate, maximum borrowing amount and repayment terms. If approved, you’ll receive an electronic contract to sign. Once signed, we aim to pay funds the same day (during processing hours). Timing can vary if we need extra information.
As a guide, applicants should be 18+, a NZ citizen or permanent resident, have a NZ driver licence or passport, a regular NZ income (typically $350+/week after tax), and no serious bad debts or payment defaults. All applications are subject to responsible lending checks.
Apply 100% online. Have your NZ driver licence or passport, internet banking access, and details about your employment, living situation and finances. The system verifies your information securely to speed things up.
As part of responsible lending, we may check your credit. This is known as a soft credit check and does not affect your credit score. Making on-time repayments can help build your credit over time. See our privacy information for how we use your data.
Yes. You can repay early or make extra repayments at any time, and there are no early repayment fees. Paying off your balance sooner reduces the total interest you pay.
You can apply for a top-up anytime, provided your repayments are up to date. A top-up adds new funds to your existing balance and may adjust your term. A top-up is subject to responsible lending checks.
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