Personal Finance

At Quick Loans we make personal finance NZ wide feel smooth, easy and stress free. Get in touch today, our experts are here to support you every step of the way.

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4.5 rating with 1,216 Google reviews

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QuickLoans from

$1,000 – $20,000

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100% Online

No Paperwork

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Money credited in

as little as 60 mins

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Beneficiary Loans

When it comes to personal finance NZ residents can feel they have very few options especially if they’re on benefits.

Where banks may turn their backs, we believe that a difficult patch doesn’t mean you shouldn’t get a loan. With our competitive interest rates and supportive team we’re a strong choice for those wanting to get a personal loan whilst on benefits.  

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Cash Advance Loans

In need of cash fast? Don’t delve into your overdraft or turn to credit cards. Instead apply for personal finance NZ wide with Quick Loans.

Our loans offer competitive interest rates and can often get the cash into your account within the same day! Don’t panic. Be smart about your borrowing and get in touch with us today for cash, fast.

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Cash Loans

Get $1000-$20,000 instant cash loans across New Zealand with Quick Loans. When it comes to personal finance, NZ residents are turning to companies like ours to improve their cash flow.

Instead of high interest credit cards and overdraft payments, we offer a better lower interest solution, with a repayment plan tailored to you.

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Debt Consolidation Loans

Clever borrowing can help you get the more out of life however  borrowing can become very stressful when you’re juggling several loans all at once.

Keeping all your ducks in a row is important for a stress free life and our consolidation loans help you do just that. Instead of multiple repayments we consolidate your loans into one manageable monthly payment.

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Easy Loans

We make loans easy. From a 6 minute online application, to 60 minute approval period and cash in your account within 24 hours, it really couldn’t be simpler!

Borrow from $1000 to $150,000 and get an easy loan with us. Don’t worry we adhere to the responsible lending code of New Zealand, and only agree to a loan budget and repayment window we believe you will be able to easily stick to. Get easy, stress free loans, with Quick Loans.

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Emergency Loans

Nothings worse than feeling tight for cash in an emergency. During stressful times we are here to help you get the cash you need, fast.

From emergency hospital bills to home repairs, we will process your online application within an hour and get your cash to you ASAP. We offer personal finance NZ wide so feel free to call on us any time. We’re here to help.

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Fast Cash Loans

Want cash fast and at affordable interest rates? We offer personal finance NZ wide in the form of fast cash loans.

New Zealanders love our quick loan application. Borrow from $1000-$20,000 and have cash in your account in no time. Use our loan calculator to see what you could borrow and improve your financial situation with an easy fast cash loan.

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Finance Companies

In our view good finance companies offer competitive interest rates, fair loan terms,  and a personal loan tailored to you. Responsible companies personalise the experience for their clients and provide cash fast.

At Quick Loans we do just that. Once you apply we check your credit score and that you’re able to afford the loan. Approval happens as fast as 60 minutes after application and the cash gets released into your account in as little as 24 hours.

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Instant Finance

If you’re looking for instant finance solutions our personal loans are an attractive option for many seeking personal finance NZ wide.

Our simple online application process is easy and you can get a secured loan in a few hours. With over 1200 happy customers you’re in safe hands with a personal loan from Quick Loans.

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Instant Loans

Instant loans as fast as 24 hours from application. Get a personalised loan for an amount that suits you and a repayment plan you can afford.

Once you’ve assed your credit assessment, we release funds into your account as fast a possible. We have made applying online as easy as possible for when you need cash fast. Whether its an emergency loan or you’ve found yourself strapped for cash for a significant life event apply today.

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Online Loans

Our online application forms are easy to complete and navigate. If you apply within working hours we aim to get you approved within an hour and the cash on its way to you.

We offer a digital signature service so the entire process can be completed stress free and online. Have questions? We’re always happy to talk with you over the phone. Call us on 0800 200 275.

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Personal Loans

Apply for personal loans between $1000 and $150,000 and get cash in 24 hours. We are one of New Zealand’s most popular lending companies with over 1000 happy customers.

Our personal loans are affordable and competitive, making them an easy choice for New Zealanders looking for ways to make up a financial gap or consolidate their loans into one easy monthly payment.

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Personal Finance

When it comes to becoming financially literate it’s great to know that you don’t always have to turn to the banks to give you a loan.  Quick Loans offers personal finance NZ wide for kiwis needing fast cash.

Borrowing money from a responsible lender can free you up and enable you to live a more fruitful life. Just like saving for a rainy day, applying to Kiwisaver and collecting credit card points. Our loans are another tool in your financial arsenal.

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Same Day Loans

At Quick Loans our online application process is 6 minutes, our approval window is typically one hour. That means we can often get the cash you need into your account that very same day.

We provide personal finance NZ wide, often granting same day loans from $1000 – $20,000. Use our loan calculator to check how much you could borrow.

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Short Term Loans

With Quick Loans, we provide short term finance solutions from $1000 and $20,000 with repayment terms from six months to 48 months.  Get the cash you need it fast with interest rates as low as 9.95%.

Apply online today and bridge that gap when you need it most. Our lending criteria is flexible and tailored to you and your individual situation. Relieve that financial stress and get a short term loan today.

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Small Loans

We offer small loans as little as $1000. Whether its home improvements, unexpected dentist bills or holiday season. Borrowing from Quick Loans is easy, stress free and always affordable.

We adhere to the responsible lending code of New Zealand and always make sure our clients are good for the loan before granting it. Ease your financial burden with one of our small loans and pay it back with affordable monthly repayments.

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Loans For Unemployed Kiwis

We often approve beneficiary loans for unemployed Kiwis. Where the banks may turn you away Quick Loans may not.

We believe that if you’re on benefits you’re actually good for your repayments and, assuming you pass all your credit checks and have collateral for your loan, theres no reason why we can’t lend to you. Particularly in your time of need.

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Easy, Fast Loans With Our ‘Digital Signature’ Service

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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.

Try our Quickloan Calculator

Use our New Zealand online 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 48 months.

Great, here’s your calculation

LESS THAN 1 MONTH

EASY APPLY – 6 MINS

$30 per week

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Our customer rating

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* 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.

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Frequently Asked Questions

What types of personal finance options are available in New Zealand?

In New Zealand, you can choose from a variety of personal finance options, including personal loans, credit cards and home loans. Credit cards and overdrafts from banks often come with hefty fees and interest rates. Personal loans from independent institutions like ours can often offer much more competitive interest rates than traditional banks.

How do I improve my credit score in New Zealand?

There are several things you can do to improve your credit score here in NZ. For example, paying your bills on time, reducing outstanding debt – consolidation loans can help with this or paying down your mortgage- , avoiding excessive credit inquiries, and regularly checking your credit report for errors. A higher credit score can help you secure better loan terms and lower interest rates.

What should I consider before taking out a personal loan?

Before taking out a personal loan, consider the interest rate, loan term, and any associated fees. Additionally, evaluate whether you’re able to make regular repayments without compromising your budget.

Are there any government assistance programs for personal finance in New Zealand?

Yes, the New Zealand government offers several assistance programs, including benefits for low-income families, student loans, and first-home buyer grants. These programs can provide financial support, so it’s beneficial to research what options are available to you. At Quick Loans we also offer loans to beneficiaries!

How can I create a budget to manage my personal finances effectively?

To create an effective budget, start by listing your monthly income and expenses. Categorise your spending into essentials and wish list. Track your spending using a budget tool, and always try and save some money for a rainy day. Remember to put that into a high interest savings account!