Looking for a personal loan?

Learn about personal loans or use our fast and simple form to get started.

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What's a personal loan?

A personal loan can help you get things done and reach your financial goals. 

It can used for a variety of purposes, including debt consolidation, home improvements, medical expenses, get a new car, weddings, travel and large purchases.

One of the main benefits of a personal loan is that they can help you consolidate debt. If you have multiple debts with a high interest rates, a personal loan with a lower interest rate can help you pay off those debts by consolidated and reudcing your monthly repayments.
What would it cost?

What's the cost?

Finding out how much a personal loan will cost you can be difficult. Use the simple calculator below to figure out how much it could cost you.

Choose your amount

Loan Amount


Loan Term

24 Months

Interest Rate


What's my interest rate?

Example Breakdown

Amount Borrowed
Establishment fee 
Amount Financed
$9 monthly 
account fee
Weekly Repayments
Fortnightly Repayments
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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.

Benefits of a personal loan

When it comes to deciding on a personal loan it's important to look at the benefits as opposed to the alternatives:

Personal Loan

Loan term is fixed so you know what you're in for.
Fixed interest rate.
Repayment's remain the same each week, fortnight or month.
Better rates for secured lending.
More eligibility requirements.
Useful for consolidating debt.
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Credit Card or Overdraft

Good for small purchases.
Credit card rewards.
No fixed term & possibility to overspend more than you can afford.
Higher interest rates
No fixed repayment plan & can be easy to loose track of.
Can create accumulating debt.

Personal Loans by Pioneer

Personalloan.co.nz was created by Pioneer Finance to give kiwis a better understanding of finance and debt.

Pioneer Finance provides personal loans  from $2,000 - $100,000 with interest rates between 11.95% - 22.95%. Learn more about how interest rates are decided.

An Establishment Fee is part of the loan and ranges from $270 -$780. Loan terms can go from 1 Month - 7 Years.

Get in touch with Pioneer finance or fast apply today!

How are interest rates decided?

Many personal loans in New Zealand come with a fixed interest rate but be careful to read the terms and conditions as that is not always the case. The interest rate is the amount of money that you will be charged on top of the amount you borrow. It is important to understand how personal loan interest rates are calculated so that you can compared different personal loan offers

Interest rates for personal loans are typically based on a variety of factors, including your credit score, income, and how much security you can offer. Lenders will also consider the borrower's credit history and the purpose of the loan when determining the interest rate. Some personal loan companies may also consider the borrower's employment status, the length of the loan, and the size of the loan when setting the interest rate. Learn more about typical interest rates and fees.

In general, borrowers with higher credit scores, stable incomes and security will be offered lower interest rates, while borrowers with lower credit scores, unstable incomes and without any security may be offered higher interest rates.

Apply below to check your eligibility.

About us

Personalloan.co.nz was created by Pioneer Finance who were established in 1995 and have 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. 
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