Personal Finance

Need some personal finance in a time of need? Or maybe you’ve got your eye on a new car? At Quick Loans, we’re not just a personal lending platform; we’ve got your back financially when you need to borrow money in both the ups and downs of life. We get it – life throws curveballs, and sometimes, a little financial boost is all you need to steer clear of hurdles or maybe it’s a time to celebrate. Our personal loan options are crafted with genuine understanding and empathy, ensuring you navigate through both unexpected and exciting times with ease and confidence. Your financial goals are our goals. We’re here to guide you through your financial needs with swift, simple solutions, true to our Kiwi spirit !



$1,000 – $150,000


100% Online Application

It’s easy. Only 6 mins


Get Approved

In just 60 mins*

Calculate Your Personal Lending Repayments

Use our finance calculator to determine the repayments you can afford how much you should borrow. Usually, you’ll make a deposit on the item you wish to purchase, which acts as security. We then spread the rest across 60 months. Our personal loans are subject to credit checks in accordance with the responsible lending code of NZ.

Great, here’s your calculation

Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week

Takes only 4 mins

$30 per week

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* This is an approximate loan duration based on assumed adequate security collateral, job security, income, residence situation and positive references.

Before You Borrow Money for Personal Finance – Here’s Some Tips

Tip 1

Navigating through personal finance in NZ might feel like a trek, but it’s all about ensuring your coins are stacked neatly before diving in. First things first, ensure there are no hidden debts lurking in the shadows of your financial plans. Utilise NZ budgeting platforms and resources like Sorted or MoneyTalks to get a clear view of your financial landscape. It’s similar to checking the weather before heading out on a hike – no one wants unexpected storms! Knowing where you stand financially before you get a loan is very important to ensure it doesn’t cause you any financial stress in the future when it comes to repayments.

Tip 2

When you borrow money, you need to know what your credit score looks like! Your credit score is a pivotal factor in your personal lending journey. It can be what ensures your loan is approved or in some cases not approved. Ensure you are aware of your credit standing and work towards enhancing it. Regularly check your credit report, ensure timely payments, and be mindful of your credit utilisation to maintain a healthy score that opens doors to favourable lending terms. You can get a credit score report easily with Centrix or Equifax.

So, whether you’re a seasoned Kiwi lender or a newbie to the world of personal finance, it doesn’t have to be a daunting and scary journey. With a sprinkle of preparation and the right guidance, you’ll be on your way before you know it!

Personal Finance: Your NZ Compass for Sunny Days & Rainy Ones Too!

Think of personal lending as your trusty compass, guiding you through NZ’s diverse landscapes. It’s not just about stashing away dollars and cents; it’s about plotting a course for dreams, aspirations, and even those unexpected detours. Whether you’re eyeing that investment property in Rotorua, dreaming of a bach in the Bay of Islands, or finding a safety net during a sudden downpour, a personal loan is your guiding star.

When you borrow money it’s not about impulse buys or fleeting trends; it’s about strategic investments, memorable experiences, and having that cushion for life’s curveballs. With Quick Loans, you’re not just getting a navigator; you’re teaming up with financial experts who understands the lay of the land. We offer terms as refreshing as a dip in Lake Taupō, rates that’ll make you feel like you’ve struck gold in, and a process smoother than a flat white.

Whether you’re gearing up for a big purchase, considering an investment, or seeking a lifeline in challenging times, Quick Loans is here to help. Let’s navigate Aotearoa’s financial terrains together!

Why Choose Quick Loans For Your Personal Finance?

Need funds for a big move but your piggy bank’s looking a bit lean? No dramas! That’s where Quick Loans jumps into the mix. We’re your go-to for personal lending, tailored to the NZ way of life. Whether you’re planning a big purchase, investing for the future, or just need a bit of a boost during tough times, we’ve got your back. And the cherry on top? When you borrow money, our lending process is designed to be as straightforward as a stroll down Queen Street.

Here’s How Quick Loans Makes Personal Lending a Breeze:

  1. Swift, Trustworthy, and No Fuss: Dive into our easy application and expect rapid approvals. Borrow money, lightening fast!
  2. Smooth Process: Borrow money with ease, with no prickly surprises. Just straightforward terms, as clear as a blue sky.
  3. Clear as Crystal: We lay it all out – no tricky jargon or hidden bits. With us, you’ll always know where you stand and who’s who in the zoo.
  4. Adaptable Adventures: With lending terms spanning from 12 to 36 months, we shape our offerings to fit your unique needs.
  5. Sweet As Rates: Our interest rates are as friendly as a North Island summer. They’re crafted to keep your finances humming along nicely.
  6. Safe and Sound: Our personal loans are designed with your well-being in mind. We focus on ensuring your repayments are manageable, making your lending journey a chill ride.

Ready to go?  Quick Loans is just a click away. We’ve got your back!

Talk To Us Today – Get Instant Finance Today


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If your loan is approved, you’ll get access to digital loan documents and the money will be paid into your bank account, subject to the responsible lending code and affordability.

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Here Are Our Personal Loans FAQs

What is Personal Lending?

Personal lending refers to loans provided to individuals for personal use. That could be for investments, big-ticket purchases, or to tide over challenging times. Unlike business loans, these are tailored for individual needs and are typically unsecured, meaning they don’t require collateral.

Can I apply for a personal loan even if my credit score isn’t perfect?

Absolutely! A good credit score can help in securing favourable terms, we totally understand that everyone’s financial journey is unique. We assess various factors, not just your credit score, to determine your eligibility.

What tools can help with personal financing?

There are a number of tools available, from budgeting apps and online calculators to financial planners and advisors. The right tool often depends on your specific needs and how hands-on you want to be with your finances. Some good resources are on and

What can I use a personal loan for?

Personal loans can be used for a bunch of purposes. Some of the most common uses include consolidating debts, funding home renovations, covering medical expenses, financing a wedding, purchasing a vehicle, or even taking that dream holiday. Basically, personal finance can be tailored to meet almost any individual need or goal you might have in mind.

I don’t know what I want the loan for, can I still apply for a personal loan?

Absolutely! Many Kiwis apply for personal loans to have a financial cushion or for future expenses they haven’t pinpointed yet. It’s always a good idea, however, to have a general sense of how you’ll use the funds to ensure you’re borrowing responsibly and not impulsively. Once approved, you can use the loan amount as you see fit, but remember to manage repayments and avoid unnecessary financial stress.

Fast and hassle-free, Fast Loans Online 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!

Talk To Us Today – Get Instant Finance Today