Fast and Simple Personal Loans | Pioneer Finance

Your loan, tailored to you

Get a competitive fixed rate

Get a competitive fixed rate

Your loan will have repayments you can afford with a rate that never changes

Pay at your pace

Pay at your pace

Loan terms up to 7 years with repayments that can be weekly, fortnightly, or monthly

Fast and efficient service

Fast and efficient service

Our online application and approval process is simple and easy to use

What people say about us

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.

How much do you want to borrow?


24 Months

13.95% (annually)

Your repayment estimate

Weekly Fortnightly
Amount Borrowed $3,000
Establishment Fee $195
PPSR Fee $8.05
Amount Borrowed $3,203.05
Interest $486.04
9$ Monthly Fee $216
Total $3,905.09
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*This is an example of a common loan request and gives you an indication of what the monthly loan repayments will 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.

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

$165.00 – $550.00

Interest Rate Range

11.95% - 22.95%

Loan limits

$2000 - $100,000

Loan terms

1 Month - 7 Years

Other information you need to know

  • All loans need to be secured.
  • There is no early repayment fee.
  • 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.
Apply for a loan

For further information please, see our rates and fees.

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Applications this year


Applications this Month


Applications last Month
Auckland City


Personal Loan
St Heliers


Debt Consolidation


Business Loan
Freemans Bay


Business Loan
Lower Hutt


Personal Loan


Debt Consoidation
Lower Hutt


Home renovations


Car Loan
Upper Hutt


New Plymouth


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:

  • Three 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. 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.

About Pioneer

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.