Online Loans For Pensioners NZ
Managing finances in retirement shouldn’t be stressful. Our loans for pensioners are designed to give you simple, flexible access to funds when you need them, whether it’s for home improvements, unexpected expenses, or helping family. With a quick application process and fair, transparent terms, we make borrowing in retirement straightforward and stress-free.
4.5 rating with 1,216 Google reviews
Borrow
$1,000 – $150,000
100% Online Application
It’s easy. Only 6 mins
Get Approved
In just 60 mins*
Calculate Your Personal Loan Repayments
Use our New Zealand online personal loan calculator to determine the repayments you can afford and how much you should borrow. Usually, you’ll make a deposit on the item you wish to purchase, which acts as security, and we then spread the rest across 36 months. Our fast loans are subject to the Responsible Lending Code of NZ and proper credit checks.
Choose your term
Repayment Details
1 YEAR
Your Weekly Repayment
$22.60 PER WEEK* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
Your data is secure
Trusted by
Our customer rating
4.6/5
* This is an approximate loan duration and amount based on assumed adequate security u0026 collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
Rates
With Quick Loans, our maximum loan term is 36 months, with affordable weekly or monthly loan payments. We offer competitive annual interest rates ranging from 9.95% to 26.95% p.a. depending on the purchase you’re making, your credit rating, and the loan duration. For full details on the loan agreement, including early repayment options, terms and conditions, establishment fees, and default interest rates, please see our Rates and Fees page.
Terms
Before applying with Quick Loans, it’s important to understand our terms and conditions. By submitting an application, you consent to us collecting and securely storing your personal information. We aim to keep all the information on our website accurate and up to date. If you notice anything that doesn’t look quite right, please get in touch with us in writing and we’ll do our best to correct it promptly. All our loans are subject to the New Zealand Responsible Lending Code.
Security
Your personal information is protected with end-to-end encryption across all our web forms, keeping your data safe and secure throughout the application process. We handle all loan details with a high level of confidentiality, following strict security standards to prevent unauthorised access. We also fully comply with New Zealand’s privacy laws, ensuring you have complete transparency over how your data is collected, stored, and used. We don’t share your information with third parties without your consent. To learn more, please read our Privacy Policy, which outlines exactly how we protect and manage your personal information.
Why Choose Our NZ Pensioner Loans?
- Fast online application. Apply anytime
- Fixed weekly, fortnightly or monthly repayments
- Flexible loan amounts to suit your needs
- Clear interest rates and no hidden fees
- Local customer support
With Quick Loans we’re here to help New Zealanders stay ahead of their finances!
Supporting Your Quality Of Life In Retirement
Retirement should improve your quality of life, not restrict it. Whether you’re over 65 and receiving NZ Super, still earning a working income, or managing a tight budget, you may be able to apply for a loan that suits your financial position. Our goal is to help people access fair, transparent personal loans that genuinely support their needs, from medical costs and home repairs to debt consolidation or unexpected expenses.
Interest Rates & Fees
We tailor our interest rates to suit you. Your rate is personalised based on your borrowing profile, ensuring you get a fair and competitive offer. Interest is calculated daily on your unpaid balance and applied at the end of each month. Our standard rates range from 9.95% to 26.95%.
Our establishment fees are designed with transparency in mind. They help cover the cost of assessing and processing your approved application, and they vary depending on the complexity of your loan, nothing hidden, nothing unexpected.
Ready to take the next step? Get in touch with our team today or visit our Interest Rates and Fees page to learn more. We’re here to help you move forward with confidence.
Simple Loan Application Process
Our application process is designed to be straightforward. You can apply online using our secure application form, making it easy to complete from home or on any device. We review your income, pension, assets, and overall financial situation to determine whether you’re eligible. Even if you’re unsure whether you can qualify, you can still submit a loan application, we’ll guide you through every step.
Flexible Personal Loans For Pensioners
Our loans are designed to support a wide range of needs. You might want a loan to help with home improvements, medical bills, or family events. You may also wish to withdraw funds for travel, emergency expenses, or everyday support. If you’re carrying existing debt, a debt consolidation loan may help simplify your payments into one manageable loan repayment. Whatever the reason, we treat every applicant as an individual with unique needs.
Helping You Stay Financially Secure
Life doesn’t always go as planned, especially during retirement. If you face financial hardship at any stage, we encourage you to contact us early so we can discuss options. Our priority is to help people maintain stability, avoid unnecessary stress, and preserve their quality of life.
NZ Customer Reviews
Rated 4.6 out of 5 stars based on 1438 customer reviews.
Fast, Easy Loans For Kiwis
It’s easy to get a loan for your needs. Follow the loan application process below to apply.
STEP 1
Complete our online loan application form in as little as 6 minutes, we promise!
STEP 2
Your application will be assessed by a human – not a computer. You’ll hear back in as little as 1 hour. We’ll explain the interest rate and repayment schedule, as well as the methods on how you can repay the loan.
STEP 3
If your loan is approved, you’ll get access to the digital loan documents following the NZ responsible lending laws, and the money will be deposited in your account within 24 hours.
Getting started takes only 6 minutes.
APPLY NOWFAQs for Pensioner Loans NZ
Can I Get A Loan If I Only Receive NZ Super?
Yes, you may be able to apply for a loan even if your only income is NZ Superannuation. We simply need to ensure the repayments fit within your budget and won’t affect your essential living costs.
What Income Do Pensioners Need To Qualify?
We consider pension income, working income if you’re still employed, and any other income sources. The key factor is your ability to comfortably repay the loan.
Can I Apply For A Loan If I’m Over 65?
Yes, being over 65 does not stop you from applying. Your overall financial situation, assets, and ability to repay are more important than your age.
Can I Consolidate My Debt Into One loan?
Yes, debt consolidation may help reduce financial stress by combining multiple payments into a single, structured loan repayment.
What if I have limited assets or bad credit?
You may still be eligible. We look at your full financial position, not just one factor. We assess whether the loan is affordable and suitable.
Is the application process difficult?
Not at all. You can apply online using our simple online form. It takes only a few minutes, and we guide you through everything you need to know.
Will Checking Eligibility Affect My Credit Score?
No, only a full loan application involves a credit check.
What Can Pensioner Loans Be Used For?
Common uses include medical costs, home repairs, car expenses, family support, unexpected bills, or improving your overall quality of life.
What Happens If I Can’t Make A Payment?
If your financial position changes, contact us immediately. We may be able to adjust payments or explore hardship support options.
Are Interest Free Options Available?
Interest free lending is not common for pensioner loans, but in some cases short term or promotional interest-free periods may be available. We’ll always explain the conditions clearly.
How Fast Can I Get The Loan?
Once approved, funds are usually released promptly to your New Zealand bank account.
What Does “Responsible Lending” Mean?
It means we don’t lend more than you can afford to repay. We assess your income, pension, debts, essential expenses, and financial situation to ensure the loan is safe and suitable.
Can I Withdraw From Kiwisaver?
Yes, you can withdraw from your KiwiSaver, but it’s important to understand that it’s not always a simple process. KiwiSaver withdrawals are only permitted under specific circumstances such as buying your first home, significant financial hardship, or reaching retirement age. Each of these requires you to meet strict eligibility criteria, provide supporting documentation, and wait for your provider to assess your application. This can make the process time consuming, stressful, and uncertain.
In comparison, applying for a loan with us is straightforward, fast, and hassle-free. You don’t need to meet hardship criteria or provide extensive paperwork, just complete our quick application, and once approved, you can access the funds you need without the delays associated with withdrawing from your superannuation.
If you’re unsure which option suits you best, our team is always here to help guide you.