Unsecured Loans

Get an Unsecured Personal Loan – No Collateral Needed

PersonalCompetitive rates

Time$2,000 - $40,000 unsecured

DayMoney in your account within a day

OnlineSimple, 100% online process

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Unsecured personal loans up to $40k.

$20000

$2,000 $40,000

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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 Money loan requires an application form to be completed. Responsible lending checks must then be successfully performed. Lastly, our standard lending criteria must be fulfilled. Results include a $240 establishment fee and $1.75 admin fee per repayment. Interest rates are from 11.95% p.a – 29.95% p.a fixed based on your unique circumstances.

Take a look at what other Kiwis say about us

Unsecured personal loans vs secured personal loans

Simplify

No collateral required

Borrow with confidence – no assets needed. Unsecured loans don’t require you to put your house, car, or savings on the line. You get fast access to funds, backed by your creditworthiness and income. See our personal loan repayment calculator.

Fixed Interest Rate

Fast and simple approval

Apply online in minutes – get a decision quickly Our 100% online application process is quick and easy. Most customers receive a personalised loan offer within minutes, and if approved, funding often available the same day. Compare secured vs unsecured loans

Why choose Nectar Money for a unsecured loan.

Get your personalised loan quote
as soon as 9:45 pm*

  • Simple, 7 minute application

    Apply online today and 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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* A Nectar Money loan is subject to responsible lending checks, credit criteria and terms and conditions.
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Note: Details above are illustrative only.

Up front rates with no hidden fees

Unsecured

Loan sizes

Unsecured
$2,000 - $40,000

Establishment Fee

Establishment fee

$240
$1.75 admin fee per repayment

Interest Rate

Interest rates (p.a.)

11.95% - 29.95%

Loan Terms

Loan terms

6 months - 5 years

Loan features:

  • Loans are unsecured
  • No early repayment penalties
  • We fix your personalised interest rate for the life of the loan
  • You can make repayments weekly, fortnightly or monthly depending on your pay cycle
Find out more about Nectar's interest rates and fees

What Is an Unsecured Loan?

An unsecured loan is a personal loan that doesn’t require any security like a house or vehicle. Instead, approval is based on your income, credit history, and ability to repay.

This makes unsecured loans a great option when you need quick access to cash — without needing to provide security to the lender.

At Nectar Money, the entire process is 100% online, so you can apply from anywhere in New Zealand, and get a decision fast.

Unsecured Loans FAQs

1. Do I need to provide security or collateral?

No – unsecured loans do not require you to secure the loan against any asset.

2. Will it affect my credit score to apply?

No – checking your rate won’t impact your score.

2. What can I use an unsecured loan for?

You can use a unsecured loan through Nectar Money for a variety of reason including:.


Debt Consolidation

Weddings

Purchasing a vehicle

Home renovations

Holidays

Education .



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Personal loans that fit your needs

Whether it’s to cover a major expense or improve your home, Nectar Money 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 holiday costs in advance

Emergency Loans

Take control and pay off unexpected expenses

Wedding Loans

Manage your wedding expenses and ensure your special day runs smoothly

Check your rate

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

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Terms and conditions
1 A Nectar Money loan is subject to responsible lending checks, credit criteria and terms and conditions. Nectar Money’s personalised interest rates are from 11.95% 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.