Tiny Home Finance

Tiny Home Financing is a great step to get into the New Zealand property market. As housing affordability continues to be a major challenge, many first-home buyers are turning to tiny homes as an affordable and flexible housing option to build upon and enter the property market. Quick Loans offer tiny home finance up to $150,000 at competitive interest rates.



$1,000 – $150,000


100% Online Application

It’s easy. Only 6 mins


Get Approved

In just 60 mins*

Calculate Your Tiny Home Finance Repayments

Use our tiny home 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 fast 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.

Tiny Home Finance

Securing Tiny Home Financing can be a complex and daunting task, given that most tiny homes are categorised as vehicles, making them ineligible for traditional home loans.

Quick Loans offer tiny home financing options up to $150,000 from 12% with repayment terms available up to five years.

Why Finance Your Tiny House With Us? 

  • Flexible payment plans and competitive rates
  • Fast & easy application
  • No exit or early repayment fees

How Do You Qualify For a Loan To Finance your Tiny Home?  

To qualify for any tiny home finance, you need to:

  • provide collateral or security, in which case the tiny home will be your security.
  • You need to be over 21 (unless you have a suitable guarantor who is over 21).
  • You should have a reasonable credit history.
  • You must be able to make the payments on your loan.
  • You must live in NZ and be a NZ Resident or NZ Citizen (or have guarantors who are)

Applying is fast, secure and easy. 

With a simple online process, it’s the easiest way to make your tiny house dream a reality.

Interest rates range from 12% p.a, and unlike a fixed rate home loan, you can make early repayments whenever you like or pay off the whole thing off without penalty.

Tiny Home Financing Options

Typically, a tiny home is considered to be less than 50m2 in size and can come in a variety of forms, such as converted shipping containers, kit-set designs, bespoke designs. Tiny houses of wheels (THOW) tend to be 15m2 or smaller, due to trailer and road code restrictions.

The tiny home lifestyle advocates the big benefits of living small. Think reduced living costs for utilities, less cleaning and maintenance, and simpler decorating. And for those looking for extra freedom in their living arrangements, trailer-based homes can be a great option.

Regardless of the type of tiny house you choose, living small is gaining popularity among those who want to live a more sustainable, simplified lifestyle.

Rent To Buy Tiny Homes

Are you interested in owning your own home but don’t want to commit to a traditional mortgage?

Rent to buy tiny homes financing offers a great solution if you’re looking to own a home. With flexible payment options, you have the ability to own your home in just a few short years.

Contact us to learn more about our rent to buy tiny homes and take the first step towards owning your own home.

New Zealand Building Performance Guidance on Tiny Houses

Tiny House Building Guidance

The New Zealand Building Performance Authority has released new guidance around what rules apply and what requirements to consider before building a tiny house. You can learn more over on their website.

Need Design Inspiration?

The Kiwi Tiny Homes websites provides expert tips from a reputable tiny home builder. Topics range from design considerations and cover all the essential factors that you should keep in mind before embarking on a tiny home project.

As the tiny home revolution continues, the number of building companies specialising in tiny home builds are also increasing. There’s a close-knit community of tiny home dwellers across social media platforms, sharing their experiences and giving tips and inspiration from around the world.

Another option is to visit the Tiny House Expo between 11 – 13 August 2023 at the Auckland Showgrounds. 

Top tip: If you want to test the waters of tiny living, how about a trial run in your own home? Try marking out a small space that fits a portion of your kitchen, bathroom and living room and see how you go living within the area for 24 hours.

For a true experience, there are a few tiny accommodation homes available to book across New Zealand and a perfect way to immerse yourself in the lifestyle, plus enjoy a getaway at the same time.

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Fast, Easy Loans For Kiwis

Applying for your new loan is easy. Get access to your digital loan documents with privacy.



Complete our quick and simple loans online application form in only 7 minutes.



Your application is assessed by human – not a computer who’ll call you back within 60 minutes.



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.

Getting started takes only 5 minutes. Our online application form for loans online is fast & easy.


Here are our tiny home finance FAQs

How much can I borrow and what is the cost of the repayments?

You can borrow up to$150,000 in tiny home financing from Quick Loans, and to get a rough idea of the cost of your repayments, please use our loan calculator, or better yet, give us a call because it’s likely we’ll give you a better interest rate.

What type of security do I need?

Generally security against the loan in the form of a car, boat, or property or in this case a tiny house. This security will be carefully evaluated as part of the short loan application process.

How do I make loan repayments?

You can make monthly, fortnightly, or weekly payments via direct debit on a regular date that suits you. We can structure repayments for loans up to 5 years.

Can I get a payment protection plan in case I don’t make my loan repayments?

Yes, we recommend that you get a payment protection plan against the cost ofyour tiny home loan for peace of mind.

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