Personal Loan with Competitive Interest rates and flexible Repayments

Why a personal loan?

A personal loan is a fixed term, fixed interest rate, Secured or Unsecured loan used for home renovations, holidays, funerals, purchasing a new car or just helping cover unexpected living expenses.

Our fast chatbot application makes the process easy, ensuring a swift and seamless experience. We pride ourselves on our speedy application process, with same-day payments possible when documents are returned before 3 pm.

How to apply

Start our online application

Start our online application

Start an online application with our easy-to-use chatbot. We'll review your application and be in touch

Get your quote

Get your quote

We'll then present you with an estimate regarding conditions, interest rate, and the amount you're eligible for.

Recieve your funds

Recieve your funds

Complete your loan agreement & receive your funds. Most funds are transferred within 24 hours.

Benefits of a Personal Loan

When it comes to deciding on a personal loan you need to look at the benefits as opposed to the alternatives:

Personal Loan

  • Loan term is fixed
  • Fixed interest rate
  • Repayment’s remain the same each week, fortnight or month
  • You may be able to top-up your personal loan
  • Can be used for debt consolidation

Credit card

  • Higher interest rates
  • No fixed term
  • No fixed repayment
  • Minimum repayments can leave you with more to pay at the end of your interest-free period.

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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.

Do I need to provide security?

Security can be used on a personal loan & can be benefit you as you may be eligible for a lower rate.

We can use the following securities:

  • Property
  • Motor vehicles – Including cars, trucks & motorbikes
  • Boats & Jetskis
  • Business assets
  • Household chattels

Chat to us today about what kinds of security we can use.

Debt Consolidation Loan Terms

The loan terms we are able to offer depends on the security offered. Below is a table detailing the terms we can offer:

SecurityMinimum TermMaximum term
Property1 Month7 Years
Motor Vehicles less than 10 years old1 Year4 Years
Motor vehicles older than 10 years1 Year3 Years
Motor vehicles older than 18 years1 Year2 Years
Boats & Jetskis1 Year3 Years
Chattels1 Year2 Years


Personal Loan Requirements

You can apply for a personal loan with Pioneer Finance if you are:

  • Over the age of 18; and
  • A New Zealand Citizen, Permanent Resident or in some instances on a work visa; and
  • Are employed or have a regular source of income i.e Job, Self-employed or receive a benefit

You do need to show that you have the affordability for the loan and that you are who you say you are. You can do this by providing the following:

  • Proof of Identity – i.e passport or driver’s license
  • Proof of Address – Bank statement, utilities bill or a letter from a government department
  • 3 Months bank statements

Depending on the security offered for the loan we may require further information such as rates notice, mortgage statement’s or proof of purchase.

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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.
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For further information please, see our rates and fees.

What checks will you complete using my information?

Depending on the security offered we will do checks with the following registers:

  • Credit checks with 1 or more of the following Equifax, Centrix or Illion
  • PPSR
  • Land online
  • New Zealand transport
  • Driver check

Don’t worry if your credit check has a couple of bumps and bruises we may still be able to help you.

Personal Loan Fees and Charges

Personal loans will have various fees attached, which may include:

An establishment fee once you loan is approved and you have accepted the terms$165-$550
Ongoing monthly account fees$9
Motor Vehicle Security registration fees$8.05
Caveat registration fee$160
Early settlement fee$75
Caveat removal fee$155

Some of these fees will be charged to the loan upfront or are calculated in your weekly, fortnightly or monthly installments. Other fees can be charged at the end of the loan term such as early settlement fees or if you used your property as security a caveat removal fee can be charged.

For more details on our fees and charges go to our Interest rates and fees page in the important information section.

Personal Loan Repayment Example

Amount borrowed


Interest rate p.a.


Loan term

36 months

Establishment Fee
Payment Protection Insurance
Monthly Account Fee
Total including fees and insurances

35 monthly repayments of $411.85 plus one final repayment of $411.41

Personal Loan FAQ

If you are over the age of 18 (up to the age of 21 you may require a guarantor), a permanent resident of New Zealand, earn a regular income, and can demonstrate the ability to repay the loan, you may qualify for a personal loan.

We offer loans from $1,000 to $100,000 on a personal loan in New Zealand. The amount we lend does depend on the security offered for the loan. The more security offered the better chance we will be able to lend the amount you require. We will also need to check your affordability and credit profile.

Approval time depends on some variables:

  • How much information you provide, the more information you provide the quicker we will be able to give you an answer.
  • Larger loans tend to take a little extra time
  • Loans with property involved can also take a little longer to get approved

In saying that we do endeavour to give a same day answer on all applications received.

Yes, you can make extra repayments; or you can increase your minimum repayment to help pay your loan off earlier. We do charge a small early settlement fee of $75.

Applying at multiple finance companies will no longer affect your credit rating in New Zealand. Since October 1st 2019 every credit check done by a finance company is listed as a quote with Equifax, Centrix or Illion and will only affect your credit rating should you accept the loan offer.