We’ve introduced a flexible, borrower-first secured car loan. Combines the benefits of personal loans with the strength of secured financing.
Read More
Borrow $2k - $40k
Interest rates from 11.95% p.a unsecured*
7-minute personalised quote
Same-day payout if approved
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.
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
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
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.
No – unsecured loans do not require you to secure the loan against any asset.
No – checking your rate won’t impact your score.
You can use a unsecured loan through Nectar Money for a variety of reason including:.
We’ve introduced a flexible, borrower-first secured car loan. Combines the benefits of personal loans with the strength of secured financing.
Read MoreKiwis need to fund holidays. Sometimes that means a holiday loan for their dream trip or for urgent travel needs.
Read MoreA personal loan can offer renters in NZ flexible, fast support when it's needed most.
Read MoreConsolidate 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
