Understanding the exact cost of a personal loan is crucial. Use our easy-to-use calculator that provides you with an accurate estimate, taking into account all fees typically involved. We believe in transparency, so you can make informed decisions about your finances.
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.
For further information please, see our rates and fees.
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:
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. We may be able to assist you in sourcing an unsecured loan, a business loan, a mortgage, a loan over $100,000, or other type of finance not directly provided by Pioneer Finance. For more information on this, just give us a call.
Interest fees range from 11.95% – 22.95% 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, signed and paid out within the same business day. This is subject to the complexity and size of the loan and information you can provide. 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.
Established in 1995, Pioneer Finance has been providing financial services to New Zealanders for over 27 years. We specialise in finding a flexible solution to your 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 Auckland and Wellington, we are able to cover the whole of New Zealand.