Fast, Hassle-Free Personal Loans in New Zealand
Whether it’s a dream holiday, unexpected bills, or that home renovation you’ve been planning, our personal loans can turn your plans into reality. We’re a private finance company, not a bank, which means less red tape. Real people (not computers) assess your application in our Christchurch office. Once approved, funds hit your account within 24 hours, often sooner.
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 & 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.
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4.6/5
* 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.
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 13.95% to 26.98% 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.
We’ve got your back, no matter what life throws at you
Our competitive fixed rates and flexible loan terms mean you get a deal that actually works for your budget. We customise every loan to fit your financial situation, whether you need a loan for $800 or $100,000.
Every application gets reviewed by our experienced lending team right here in Christchurch, not by a faceless computer algorithm. We understand Kiwi financial situations and work to find solutions that fit your life.
Our fixed interest rates mean there are no nasty surprises. Our fees are also explained upfront, so there’s no hidden costs or fine print tricks.
Most of our customers find us through word of mouth because our clients can’t help but share their experiences. 20+ years of helping Kiwis built our reputation as a trustworthy, responsible lender who delivers on their promises.
Our lending approach: responsible, personal, and refreshingly honest
Yes, we want to help you consolidate your debts, buy a new car, or pay for a family holiday you’ve been dreaming of. But we assess every loan application responsibly and professionally because we genuinely care about your financial wellbeing.
If a personal loan isn’t the right fit, we’ll suggest alternatives like a debt consolidation loan or other types of personal loans that better suit your situation. We don’t charge exorbitant annual interest rates or lend huge amounts to people that can’t manage the repayment amount. It’s what sets us apart from other lenders that offer personal loans.
At Quick Loans, we’re proud to say that many of our customers find us through word of mouth and referrals. Happy clients talk, and it’s because of this, we have established a reputation as a friendly and helpful, trustworthy lender.
- Simple 5-minute online application. Apply anytime, anywhere with our straightforward online form.
- Real person assessment in 60 minutes. Your application goes to our experienced Christchurch team, not a computer system.
- Funds in your account within 24 hours. Once approved, most customers receive the cash in 24 hours, sometimes within the day.
Key features:
- Secured loans from $800 to $100,000
- Competitive interest rates that are fixed for the term of the loan (from 9.95% to 26.95 p.a)
- Flexible repayments – weekly, fortnightly, or monthly to match your pay cycle
- Competitive rates personalised to your situation
A fast personal loan is often a way to avoid dipping into your savings when there’s a big expense to cover. We can help you protect what you’ve worked hard for, whether it’s your nest egg or your home or car. We’ll help you find the right option to ensure you can hold onto the things that are important to you, without getting yourself into an irresponsible financial situation.
What you need to apply for a personal loan
We will need to access your financial information to correctly assess your eligibility for a personal loan
Basic requirements: To apply for a loan, you must be 21 or older, currently living in New Zealand, and either a New Zealand citizen or resident. You’ll also need valid photo ID like a driver’s licence or passport, plus the ability to afford repayments comfortably.
What we assess: We’ll review your credit history and credit score. We understand everyone goes through tough times occasionally, but we need confidence you can pay your loan. Since we don’t offer unsecured personal loans, you’ll need to provide security or collateral, and related documents showing its value and ownership.
Having these documents on hand speeds up your application:
- Recent bank statements showing financial stability
- Payslips or proof of income
- Ownership documents for your security
- Valid photo ID (driver’s licence or passport) to prove you’re a New Zealand citizen or permanent resident.
Everything can be uploaded online from the comfort of your home.
What Do You Need A Loan For?
Here’s how some of our clients have used a personal loan to get where they need to go…
Moving on up
David drew down a loan for $8,000 to help with his various moving costs.
Doing up, selling up, moving on
Ellie borrowed $8,000 to undertake important home renovations before putting her house on the market.
Making the most of the great outdoors
Tania got approved for a loan to purchase a camping trailer for $6,000.
Working smarter over lockdown
Kerry purchased office furniture with a $2,000 personal loan so she could work from home efficiently during the Covid lockdown.
Optimising the online business
James borrowed $10,000 to develop a new website for his business.
Accelerating the car purchase
Allie financed a car purchase for $8,000 with a Quick Loans personal loan.
Building a better future
Mike got a loan for $2,200 so he could upgrade the tools he needed for his building work.
Securing the right rental
Cheryl was approved for a $2,000 personal loan to cover bond and for moving into new rental accommodation.
Looking after loved ones
Jessie borrowed a $1,000 personal loan to take her pet to the vet for an urgent treatment.
Getting on the road again
Sarah had to urgently get her car fixed. She came to Quick Loans and borrowed $2,300 for car repairs.
* Please note: Names have been changed to protect the privacy of our clients.
NZ Customer Reviews
Rated 4.5 out of 5 stars based on 1257 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 Personal Loans NZ
What conditions apply?
You can easily view our full terms and conditions here. But a quick answer is that you need to meet our lending criteria, which is in line with the responsible lending code of New Zealand. You need to make payments on time to avoid default and penalty charges, and you will need to provide a security on the items that you’re purchasing.
What is the maximum loan term?
Quickloans offers maximum loan terms of 36 months, but this can be extended to 48 months in some cases. We also offer shorter loan terms if you’re only borrowing a small amount, like our minimum loan amount of $800.
What are your fees?
You can view our full fees, establishment fees, terms and conditions, payment terms and more by scrolling to the footer of this page, and clicking the links labelled interest rate and fees.
How private is my information?
You can view our Quick Loans privacy policy in the footer of this website.
Do I need perfect credit to apply?
Not at all. We’re not a bank, so we look for reasons to say yes rather than no. However, we can’t lend to anyone currently bankrupt or who has recently filed a No Asset Procedure.
Do I need a job to get a loan?
Not necessarily. Since we don’t offer unsecured loans, we focus on the security or collateral you can provide rather than just your employment status. We need to ensure you can afford repayments, though. We welcome applications from self-employed, full-time, part-time workers, and people transitioning between jobs.
Are there fees if I change my mind before accepting?
No penalties, fees, or costs if you change your mind before signing the loan agreement.
Can I borrow more money after my loan is approved?
Once you’ve built a good payment history with us (usually after 3 months), you may qualify for loan top-ups to borrow additional funds for the things you need
Easy, 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. In addition to our straight forward online application process, 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.