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.
Start an online application with our easy-to-use chatbot. We'll review your application and be in touch
We'll then present you with an estimate regarding conditions, interest rate, and the amount you're eligible for.
Complete your loan agreement & receive your funds. Most funds are transferred within 24 hours.
When it comes to deciding on a personal loan you need to look at the benefits as opposed to the alternatives:
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.
$3,000
24 Months
13.95% (annually)
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:
Chat to us today about what kinds of security we can use.
The loan terms we are able to offer depends on the security offered. Below is a table detailing the terms we can offer:
| Security | Minimum Term | Maximum term |
| Property | 1 Month | 7 Years |
| Motor Vehicles less than 10 years old | 1 Year | 4 Years |
| Motor vehicles older than 10 years | 1 Year | 3 Years |
| Motor vehicles older than 18 years | 1 Year | 2 Years |
| Boats & Jetskis | 1 Year | 3 Years |
| Chattels | 1 Year | 2 Years |
You can apply for a personal loan with Pioneer Finance if you are:
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:
Depending on the security offered for the loan we may require further information such as rates notice, mortgage statement’s or proof of purchase.
Apply for a loanRather 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.
Depending on the security offered we will do checks with the following registers:
Don’t worry if your credit check has a couple of bumps and bruises we may still be able to help you.
Personal loans will have various fees attached, which may include:
| Fee | Amount |
| 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.
Amount borrowed
Interest rate p.a.
Loan term
35 monthly repayments of $411.85 plus one final repayment of $411.41
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:
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.
