Your loan, tailored to you

Get a low rate

Get a low rate

Get a loan with a low fixed rate that never goes up

Pay at your pace

Pay at your pace

Pay at your pace loan terms up to 7 years with payments weekly/fortnightly/monthly

Fast & Friendly service

Fast & Friendly service

Our team have been providing finance to kiwis for over 24 years

Our rates and fees

Rather than having set fees & interest rates we prefer to work with ranges as not every application is the same. So if it is a short term Bridging loan, Debt consolidation, Personal Loan, Home renovations, Car Loan, Holiday, Funeral or Business loan we have the loan for you.

Establishment Fee Range

$270.00 – $780.00

Interest Rate Range

11.95% - 27.95%

Loan limits

$1000 - $100,000

Loan terms

1 Month - 7 Years

Other Information you need to know

  • All loans need to be secured.
  • Our early repayment fee is $75.
  • Your rate is fixed for the term of the loan.
  • You can pay Weekly, Fortnightly or Monthly.
  • Need to change your payment date just give us a call.
  • Statements are sent every 6 months.

For further information please go to our rates and fees page.

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Debt Consolidation

Questions? We have answers!

18 – In some circumstances, if you are under 21, you may need a guarantor.

We will require documents that support the information you have given us on your application. We may ask for the following:

  • Two months of bank statements
  • Mortgage balances (if property is being used as security)
  • Vehicle Insurance
  • Two forms of identification (one must be photographic)

There may be other requirements, unique to your application. We will discuss this with you early in the process.

All Pioneer Finance loans are secured. However, our sister company, Finance People, may be able to assist you in sourcing an unsecured loan, a business loan, a mortgage, a loan over $100,000, or any other type of finance not directly provided by Pioneer Finance. For more information on this, just give us a call.

Yes. Your credit history may not be as bad as you think. Let us do the background work and we’ll take it from there. You do need to show us that you can afford to pay the loan, and you will need security, and may need a guarantor.

Fees are standard for most of our loan products. However, interest rates can vary based on risk. So things like your credit history or the value of security can affect interest rates. For a full break down of our interest rates and fees, refer to our ‘Important Information’ tab at the top of the page.

We strive to have the loan approved, disclosed and paid out within the same business day. This is subject to the complexity and size of the loan. Once the application has been looked at, we usually give you an answer straight away. An approval may be subject to receiving supporting documentation from you.

About us at Pioneer Finance

Pioneer is entering it’s 25th year of providing financial services to the people of New Zealand. We specialise in finding a solution for all of or your financial needs whether it be for Debt Consolidation, Home Renovations, Personal Loans, Car loans and Business loans which can be used for

Through our two Offices in Wellington & Auckland we are able to cover the whole of New Zealand.