Take control of life’s unexpected events (or unmissable opportunities) with a fast personal loan

Whether it’s a small top-up to get you through or help to cover a big expense our personal loans provide the perfect fast and stress-free solution. Offering a straightforward fixed interest rate and a simple repayment schedule, a personal loan from Quick Loans is tailor-made to fit the realities of your budget and needs of your life.

There are many reasons why you may need a little extra financial help from time to time. A personal loan can help you cover urgent school fees or medical bills, moving house or renovating the house, even a holiday or a new
car. And with our fast and fuss-free online loan application process, you’ll be on your way to peace of mind in no time.

Quick Loans offer flexible, affordable personal loan options to cover most situation and, most importantly, we do it fast. Once we’ve processed your application, you’ll have an answer within 60 minutes. Once you have secured your personal loan you can use the funds however you choose.


loans for personal needs

At Quick Loans, we provide loans from $1,000 upwards.

  • Interest rates from 9.95%
  • No early settlement fee
  • Minimum 6-month term
  • 100% online application
  • Fast response confirmation
  • Flexible criteria

Our Approach

Like all of our lending processes we assess your loan capability responsibly and professionally. If a personal loan isn’t right for you, we’ll help you explore other options like a debt consolidation loan or car loan. It’s how we ensure our customers never take on loans they can’t repay or get themselves into a stressful situation.

At Quick Loans we’re proud to say 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 trustworthy and responsible lender.

Where banks generally just see numbers, we see people. We’re a team of very real humans – with years of experience behind us…

We don’t charge exorbitant rates and we don’t lend to those who can’t afford to repay the loan. It’s a perspective that can often set us apart. It’s how we do things differently from the big lenders.

Where banks see numbers, we see people. We’re a team of real humans with years of experience behind us – and a passion for our customer’s success in the future.

A 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¬—like your nest egg, home or car— without getting yourself into an irresponsible financial situation.

Applying For A Personal Loan

To correctly assess your eligibility criteria we will need to access your financial information. You have these responsibilities to ensure our lending process can run quickly and smoothly.

  1. You must have a reasonable credit history. We understand if you’ve had the occasional difficulty in the past. After all, everyone can go through the odd tough time here and there. But we need to know you can and will pay back your loan.
  2. You must not have any current payday loans. This can greatly impact your ability to service a loan moving forward.
  3. You must provide bank statements showing an acceptable level of financial stability
  4. You must also have a current drivers licence or passport for identification purposes.

It is important to us that you get your cash as quickly and conveniently as possible. When you apply for a personal loan online you won’t have to leave the comfort of home – everything can be sorted quickly and easily.

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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.

* Please note: Names have been changed to protect the privacy of our clients.

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.

Applying for your loan is really easy

Quick and Simple Online Loan Application Form
step 1

Complete our quick and simple online loan application form in only 5 minutes

Loan Application Assessed by a Human Being
step 2

Your application is assessed by a human being – not a computer who’ll contact you within 60 minutes
(during business hours)

Loan is Approved
step 3

If your loan is approved, after completing the documentation you’ll get your money the same day paid into your bank account


Real Customer Reviews

Our customers have written reviews on Shopper Approved, an independent review site. Check out the reviews for yourself.

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Here are our personal loan FAQs

How many personal loans can you have at once?

You should only have one personal loan at a time.

What is a personal loan?

In New Zealand a personal loan is a loan often with a fixed interest rate and fixed regular payments. In most cases you are free to use the funds for whatever you like. However if you are purchasing an asset like a vehicle then the funds are used to pay for the asset directly.

Is there an early settlement fee for a personal loan?

No, you will not be charged any additional fees if you pay the loan back early. Some other lenders will try to add hidden fees or charges. Not us – we’re happy to celebrate your final repayment. You will also not be charged a fee if you change your mind and decide not to accept the loan.

How much can I borrow?

Quick Loans offer finance approval on secured personal loans from $1,000 to $20,000. We calculate the loan amount based on the value of the security you can offer, your affordability and your personal credit profile.

What type of security do I need?

For a secured personal loan we will usually require security against the loan in the form of a car, Truck, trailer,  boat, jet ski or property. We will carefully evaluate what this security will need to be as part of the loan application process.

How much are my loan repayments?

We’ll work with you to tailor your personal loan repayments to suit your situation. The minimum repayment amount is $20 per week.

How are personal loans calculated?

There is a range of different criteria to assess when deciding on the best personal loan. Most importantly, we won’t give you a loan you can’t afford. Your personal loan is based on your current financial situation and what you will be able to afford by way of repayments.

Do I need to have a good credit score to get a personal loan?

It certainly helps! You should have a good rating on your current credit score when applying for a personal loan. With this high score you’ll not only be able to borrow more – you’ll also receive a better interest rate.

Can a personal loan be bad for a credit score?

The short and simple answer here is no, not if you repay the loan in the agreed time and to the agreed terms. In fact a correctly paid off personal loan can actually improve your credit score. However if you don’t pay it back on time or add another loan onto other debt it can negatively affect your personal credit score, which makes things that much harder for you in the future.

How do I apply for a personal loan?

At Quick Loans, we offer an easy online personal loan application process.  Apply online here.

How does the loan application process work?

Our online process requires you to fill out an application form, upload some documentation and agree to the terms of service. From there we’ll go through the application to assess how much you are eligible for and to ensure all the provided information is accurate. We might have to contact you at this stage to clarify any details or ask for additional information. After that we’ll be in touch to let you know whether the loan is approved and, if it is, when you should expect to see the loan appear in your account.

How long does the application process take?

We are proud that our loan application process lives up to our name! A Quick Loans online application form generally takes between 5 to 10 minutes to complete.

How long does it take to approve a loan?

Provided you have given us all the details and information we need, we can process your personal loan within 60 minutes of processing your request (during standard work hours).

How much should I borrow on a personal loan?

Just what is needed! Have a very clear idea of how much money you need and what it is for. As you’ll pay more interest on a larger amount it’s simply not worth borrowing extra when you don’t absolutely need it.

What happens once my loan is approved?

We prepare the documentation and have you sign it. Most documentation can be signed electronically from your home or work. We will need to see your photo ID before the paperwork is signed off.

Easy, Fast Loans 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! Click here to start the process.

In the news…

How to sidestep payday loans

Avoid the pitfalls by following these four simple steps

Despite the bad reputation payday loans have in New Zealand each week borrowers are lured in by the promises of a quick fix by unscrupulous lenders. In most cases all a payday loan achieves is a cycle of ongoing debt. Before you turn to the quick fix, it’s important to know there are always other options out there.

Read more here.

Secured vs unsecured loans

What’s the difference?

At Quick Loans we can provide you with a range of loans to meet your financial needs. These loans generally fall under secured and unsecured loan categories. Each of these loan types has both advantages and disadvantages.

Read more here.

Spark Joy

How to clean out, pay back and move on

Browse any ‘tips on paying back a loan’ article, and the common theme is often how we must live without luxuries and impulse purchasing. However, there are other ways of making money to help pay back debt that are easy and usually right under our noses. Thanks to the wonderful world of the internet, anybody can become an online selling master.

Read more here.

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