Our personal loans are secure, affordable and will give you the absolute freedom you deserve and what’s more it will be when you want it. Our friendly, helpful team are experts at personal loans that New Zealand communities have come to know and trust. It’s quick and easy to apply, and the loan can be structured to suit your individual needs.

We’ve got you covered for all types of loans!

  • Home Renovation Loans
  • Vehicle Finance
  • Travel Loans
  • Wedding Loans
  • Funeral Loans

Personal loan FAQ’s

All Pioneer Finance loans are secured. However, our sister company, Whiterock Finance, 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.

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.

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