For many of us, when we need a loan, the bank is our first port of call. After all, it’s where we do our banking, so it makes sense to ask for money from an institution that we know and trust.

However, whether we actually get what we ask for will depend on factors like our past credit history, current credit rating, how much we earn and whether we have assets that can be used to secure the loan. Banks tend to have strict lending criteria that must be met, and the old saying that they prefer to lend money to people who don’t need it has more than a grain of truth to it.

Fortunately, if your loan application is rejected by your bank, there is another alternative. Non-bank lenders make up a substantial portion of the lending market and their point of difference is that they will often give you a loan when a bank will not.

As a non-bank lender, QuickLoans takes a flexible approach to lending. We look at each person’s individual circumstances and, rather than trying to find reasons not to lend you money, we work with you to find the best way to ensure you get what you need.

Benefits of loan companies NZ

  • As well as a greater chance of acceptance, non-bank lenders offer a range of other advantages over the banks;
  • They are in a position to be more competitive and tend to offer more competitive interest rates.
  • They often have less fees built into their loans than the banks, which tend to pass their high overheads on to their customers.
  • Because they’re smaller than the banks, they can be more flexible and can tailor a loan to your specific requirements and budget.
  • They can act much faster than the banks, which are restricted by their size and bureaucracy, and can approve a loan in hours rather than weeks.

Factors to consider

There are a number of factors you need to consider before opting for instant finance.

  • Is it urgent? Is your need for the money so urgent that you can’t wait to get it from any other source (i.e. selling an asset or borrowing from friends or family)?
  • Can you afford it? How much do you need and will you be able to pay it back?
  • What is the interest rate? What rate is the lender charging and what will it cost you in total over the life of the loan?
  • Is it fixed or variable? Is it a fixed interest rate (what you’ll always pay) or variable (could go up costing you more, or down costing you less)?
  • How long do you have to pay it back? Is it a short-term loan (often with higher interest) or long term over several years?
  • Can you pay it off quicker? Will your lender penalise you with fees for making extra payments?
  • What fees will you pay? Are there lots of hidden fees attached to the loan which could make it unaffordable?

Apply for a QuickLoans loan today and you’ll…

Get approved fast and receive your funds within 60 minutes

Once you submit your application, a friendly QuickLoans rep will contact you within 60 minutes (during business hours). They’ll let you know how much you can borrow, and at what rate. Once you’re happy with the details you’ll get the funds within 24-hours – and often much sooner.

Save hundreds (or thousands) of dollars on interest…

Why pay more than you have to? Our rates are some of the most competitive in New Zealand and will save you hundreds (or thousands) over the long run.

Get a loan even if your credit history isn’t perfect…

We understand everybody misses a bill from time to time and we won’t hold it against you. If you can afford your loan repayments and have something that we can secure your loan against we’ll do our best to help.

Talk to a real local, not a computer…

Call us today and you’ll talk to a NZ local in our South Island office, not a foreign call-centre or some computerised hotline. We listen, take time to understand your situation, and work with you to find an outcome that suits your budget and cashflow.

Put ZERO dollars down and get the cash you need…

No deposit? No problem. Getting a flexible loan with zero deposit is easier than you think. We simply need to secure your loan against some collateral (property, car, etc…). Just ask us how.

Applying for your loan is really easy

Quick and Simple Online Loan Application Form
step 1

Complete our quick and simple online loan application form in only 5 minutes

Loan Application Assessed by a Human Being
step 2

Your application is assessed by a human being – not a computer who’ll contact you within 60 minutes
(during business hours)

Loan is Approved
step 3

If your loan is approved, after completing the documentation you’ll get your money the same day paid into your bank account


Easy, Fast Loans With Our ‘Digital Signature’ Service

You’re busy. We get that. That’s why you can sign for, and receive your funds, without even leaving your house. Our digital- signature service provides an even more stress-free, convenient service for you. If you’ve got a smart-phone or a computer, you can apply and get approved today! Click here to start the process.

Our Customers

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