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Personal Finance

Personal loans and
car loans for
everyday New Zealanders.

Whether you're planning a wedding, buying a car, consolidating debt, or funding a holiday — we arrange competitive personal finance with straightforward terms and a fast online application.

Personal Loan
Unsecured personal finance for just about any purpose — holidays, weddings, education, debt consolidation, home improvements, and more. No asset required as security.
$70K
Maximum
12.95%
From p.a.
7 yrs
Max term
Apply Now
Rate from 12.95% p.a. Subject to credit assessment. Individual rates vary.
Car Loan
Finance your next vehicle — new or used. Competitive rates with flexible terms to suit your budget. Cars, SUVs, utes, and light commercial vehicles considered.
$5K+
From
8.5%
From p.a.
7 yrs
Max term
Apply Now
Rate from 8.5% p.a. Subject to credit assessment. Individual rates vary.

What People Use It For

Whatever life throws at you.

Personal loans can be used for almost anything. Here are some of the most common reasons people apply.

✈️

Holidays & Travel

Spread the cost of your next adventure. Book now and repay over terms that suit your budget.

💍

Weddings

Finance your big day without draining savings. Flexible terms to fit around your plans.

🎓

Education

Course fees, training programmes, or professional development. Invest in yourself.

💳

Debt Consolidation

Roll multiple high-rate debts into one manageable repayment at a lower rate.

🏠

Home Improvements

Renovations, new appliances, landscaping — projects that add value without touching your mortgage.

🚑

Medical & Dental

Cover unexpected health costs without waiting. Treatment now, repayments spread over time.

🛻

Vehicle Purchase

New or used cars, utes, SUVs, and light commercial vehicles. Our car loan covers you.

🎯

Other Purposes

Have something else in mind? Personal loans are flexible — if it's a legitimate personal expense, we can help.

How It Works

Three steps to funded.

1

Apply Online

Complete our simple online application form. It only takes a few minutes — have your ID and income details handy.

2

Get a Decision

Your application is assessed and you'll receive a decision. Eligible applicants receive a personalised rate and loan offer.

3

Receive Your Funds

Accept your offer, sign your documents, and funds are transferred to your account. Start ticking things off your list.

Apply Now

Responsible lending matters.

We're committed to lending you only what you can reasonably afford to repay. That's not just our policy — it's the law.

We assess your income, expenses, and existing commitments before recommending any loan. We won't approve a loan we don't believe you can comfortably repay.

All consumer lending is regulated under the Credit Contracts and Consumer Finance Act (CCCFA). You have the right to receive clear information about your loan terms, total cost, and your repayment obligations before signing.

If you're experiencing financial hardship, you may be able to apply for a hardship variation to your loan. Contact us as early as possible — the sooner we know, the more options are available.

Free financial guidance is available through MoneyTalks (0800 345 123) and Citizens Advice Bureau (cab.org.nz). We encourage you to seek independent advice before taking on any credit.

FAQ

Common questions

Personal loans can be used for holidays, weddings, education and training, debt consolidation, home improvements, medical expenses, and most other personal purposes. The funds are yours to use as needed once approved.
A personal loan is unsecured — no asset is required as security. A car loan is secured against the vehicle being purchased, which typically results in a lower interest rate. If you're buying a car, a car loan usually makes more sense.
Personal loans start from 12.95% p.a. and car loans from 8.5% p.a. Your actual rate depends on your credit history, income, and the loan amount. Your personalised rate is confirmed before you sign — no surprises.
Early repayment options depend on the specific lender and loan terms. This will be clearly outlined in your loan agreement before you sign. We recommend confirming early repayment terms if this is important to you.
If you're struggling to meet repayments, contact your lender as soon as possible to discuss a hardship variation. You can also call MoneyTalks free on 0800 345 123 for independent financial guidance.

Ready to apply?

Complete our simple online application. Fast, straightforward, and your rate is confirmed before you commit to anything.

Apply Now
Fundme Ltd (FSP1005055) arranges consumer credit on behalf of lenders. All lending is subject to the lender's credit assessment criteria and the Credit Contracts and Consumer Finance Act 2003.