How much would you like to borrow?
Repayment Term:
36 months
60 months

Repayment amounts are based on a 15.95% interest rate and are indicative only. They exclude any brokerage, establishment, administration, waiver and insurance fees. These terms may not be available for your loan type. All loan quotes are subject to full application details and lenders conditions at the time of application.

Please read the Responsible Lending Guidelines for more details

It’s all possible!

Get what you want with NZ Credit & Loans

Book a family holiday, buy a new car or have the wedding of your dreams. It’s all possible!

Here at NZ Credit & Loans we like to keep things simple. You’ll make one application to us, we then place the loan with the right lender based on your circumstances, then we’ll get back to you. Within no time at all your money could be in the bank to spend as you please. Simple.

NZ Credit & Loans can source all types of loans (both secured and unsecured). We are one of the best in the market and make getting a great loan more achievable.

We offer a variety of loans

Choose a loan type below to learn more
Personal Loans
Personal Loans

Don’t wait to enjoy life! Loans are available for pretty much anything and we’ll sort you out in no time.

Debt Consolidation
Debt Consolidation

Freedom! Bring your debt under one roof and lower those crazy interest rates.

Wedding Loans
Wedding Loans

The biggest day of your life! It all adds up so let us help and you can focus on your dream wedding day.

Car Loans
Car Loans

Let us spin your wheels! You and your family could be driving away today in the safety and comfort of a new car.

Home Reno’s
Home Reno’s

Make your house your own. The perfect place for you and your family at the end of a long day.

Holiday Loans
Holiday Loans

Escape from life and make that dream holiday a reality. We all deserve a well-earned holiday!

Property Finance
Property Finance

Live your dreams! Let us show you how to use your home as equity for the things you need.

Moving Home
Moving Home

Change is a good thing but the costs involved can be stressful. Let us help ease the pressure so you can look to the future.

Here’s what a happy client has to say:

You’re in good company.
K Spinney

Thank you so much for having such amazing staff on your team. I applied online, a tad stressed. I was soon put in contact with one of your consultants who made my life a lot easier. He contact me via email and phone and explained step-by-step where the loan was at and what I needed to do. This afternoon he made me cry with happiness as my loan was approved and documents on the way. It was awesome having someone so helpful and able to calm my stress level down.
SO THANK YOU THANK YOU. I’m telling everyone how awesome my experience has been.

K Spinney, Hamilton
J Harmon

“We got a great deal to cover all the bills. I also wiped the credit card clean by consolidating all our debt under one simple repayment scheme.”

J Harmon, Kaikoura
T Miller

“I was more than satisfied with the repayment rate, and the trip was well worth it, which all made for a wonderful family experience.”

T Miller, Queenstown
NZ Credit and Loans is associated with some of the East Bay Finance Group of companies

Breakdown of fees

A quick & transparent process.

NZ Credit and Loans do not source loans for a period of 61 days or less.

We do not offer Short Term loans, all NZ Credit and Loans are for terms of six to sixty months with a fixed annual rate of interest. Our current interest rates start at 13.95% to a maximum rate of 49.95%, the majority of our loans fall between 13.95% - 29.95% but some of our quick start short term loans are written between 29.95% - 49.95%. The interest rate is calculated on credit history, security offered and your overall credit profile. A typical $20,000.00 loan through NZ Credit and Loans would be as follows:

  • Personal Loan Amount $20,000
  • Brokerage Fee $995.00
  • Establishment Fee $440.00
  • Payments over 36 months
  • Interest rate from 15.95% including monthly
  • Admin fee of $15 per month
  • Repayments from $937 per month including brokerage and (optional) payment waiver cover – subject to terms and conditions
  • Annual Percentage Rate 22.8%

Get your hands on a loan today!

Our professional team of finance experts are highly trained and will provide the refinancing solution you need. For any queries, the customer care team can also be reached by email or phone during normal working hours.

NZ Credit and Loans, 109 Lyndon Road East Hastings, 4122, New Zealand
0508 695 626