Personal Loans NZ

Borrow Better. Faster.

PersonalCompetitive rates

Time$1,000 - $30,000 unsecured

DayMoney in your account within a day

OnlineSimple, 100% online process

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  • Feefo 2022 Award

How much do you need?

$20000

$1,000 $30,000

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Repayments as low as

$124.27

per

over

total payable
$25,849

* Note: Calculator results are a guide to repayment amounts, based on a 11.95% p.a. interest rate. A Nectar loan is subject to the completion of an application form, successful responsible lending checks, and fulfilling our standard lending criteria. Results include a $240 establishment fee and $1.75 admin fee per repayment. Interest rates are from 8.95% p.a – 29.95% p.a fixed based on your unique circumstances.

Personal loans that fit your needs

Whether it’s to finance a major expense or improve your home, Nectar 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 holidays’ costs in advance

Emergency Loans

Take control and pay off unexpected expenses

Wedding Loans

Just Nectar it!

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Why choose Nectar for a personal loan?

Get your personalised loan quote
as soon as 12:16 am1

  • Simple, 7 minute application

    Apply online, 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.

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Note: Details above are illustrative only.

Up front rates with no hidden fees

Unsecured

Loan sizes

Unsecured
$1,000 - $30,000

Establishment Fee

Establishment fee

$240
$1.75 admin fee per repayment

Interest Rate

Interest rates (p.a)

8.95% - 29.95%

Loan Terms

Loan terms

6 months - 4 years

Loan features:

  • Loans are unsecured
  • No early repayment penalties
  • Your personalised interest rate is fixed for the life of the loan
  • Repayments can be made weekly, fortnightly or monthly depending on your pay cycle.

What our customers say about us

Our customers find Nectar simpler and faster than other lenders

Get your personalised loan quote in minutes with no obligation to accept1

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Terms and conditions
1 A Nectar Loan is subject to responsible lending checks, credit criteria and terms and conditions. Nectar’s personalised interest rates are from 8.95% 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.