What would it cost?
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.
You can apply to borrow $2000 - $100000
Interest rate 13.95% (comparison rate 13.95%)
Your repayment estimate
$0.00
Weekly repayment
Estimate includes establishment fee of $195.00
Get a quoteWon't affect your credit score.
*This is an example of a common loan request and gives you an indication of what the monthly loan repayments will approximately be. Your establishment fee may be different depending on the security used, complexity and the time taken to process your application. You may also optionally take payment protection insurance which would increase your total cost.
Rates, fees and features
Rather than having set fees & interest rates we prefer to work with ranges as not every application is the same.
* Complex loans may have a higher establishment fee
* Administration fees may apply
Trusted by thousands since 1995
"They approved my loan when others didn't. Really helped consolidate everything into one payment!"
Ana
"Professional, understanding staff. Fast and very efficient service."
Lynda
"Easy, quick, amiable & dependable. Been using them for years."
David
"Excellent support. Money was deposited quickly. Really great experience!"
WS
"Helped me celebrate my big day without financial stress."
Tuaine
"Very easy to deal with, flexible and highly reliable."
Malcolm
"Very good connection, fast services. Definitely coming back!"
Alexander
"Everything was simple. Great understanding from the team."
Peter
"They approved my loan when others didn't. Really helped consolidate everything into one payment!"
Ana
"Professional, understanding staff. Fast and very efficient service."
Lynda
"Easy, quick, amiable & dependable. Been using them for years."
David
"Excellent support. Money was deposited quickly. Really great experience!"
WS
"Helped me celebrate my big day without financial stress."
Tuaine
"Very easy to deal with, flexible and highly reliable."
Malcolm
"Very good connection, fast services. Definitely coming back!"
Alexander
"Everything was simple. Great understanding from the team."
Peter
"They approved my loan when others didn't. Really helped consolidate everything into one payment!"
Ana
"Professional, understanding staff. Fast and very efficient service."
Lynda
"Easy, quick, amiable & dependable. Been using them for years."
David
"Excellent support. Money was deposited quickly. Really great experience!"
WS
"Helped me celebrate my big day without financial stress."
Tuaine
"Very easy to deal with, flexible and highly reliable."
Malcolm
"Very good connection, fast services. Definitely coming back!"
Alexander
"Everything was simple. Great understanding from the team."
Peter
How it works
Get your loan in 3 simple steps. Fast, transparent, and designed for you.
Complete our simple form
Fill out our quick 3-minute application with your basic details. No lengthy paperwork or complicated questions.
Get instant AI-powered decision
Our advanced AI analyzes your application and provides a decision in record time. No waiting days for approval.
Receive your funds same day
Once approved and documents signed, funds are typically disbursed the same business day. Get the money you need when you need it.
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Fast, flexible and competitive loans to help you achieve your goals. Apply online in just 3 minutes.
Questions?
We have answers
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For brokers & advisers
The new Pioneer Partner Portal
Brokers and advisers introduce their clients to Pioneer Finance through our Partner Portal, and it has just had a substantial update — built around the things that actually hold a deal up.
Read the full announcement on LinkedIn →Your pipeline, first thing
What's waiting on you, what expires in the next seven days, what's in progress and what's approved — on the dashboard the moment you log in.
Find any application fast
Search by client name or reference, filter by stage, status, outcome or date, then save the views your team lives in and share them.
See how affordability was assessed
Weekly surplus, the ratios behind the decision and every categorised transaction — so you can answer your client without asking us first.
Run your own branch
Track invited leads through to a full application, and add team members or change their permissions yourself.
About Pioneer
For over three decades, we've supported thousands of New Zealanders with straightforward lending solutions designed around real life. With a friendly local team, we work with you to find finance options that fit your goals and your budget, not the other way around.
Our loans can be used for:
Consolidating debt
Minor renovations to your property
Purchasing a new car
Taking the family on holiday
Family events such as weddings, birthdays, or funerals
Purchase business assets or working capital
Whatever your financial need, we're here to help you achieve your goals with transparent, flexible loan solutions.