Answers to our most popular questions

18 – In some circumstances, if you are under 21, you may need a guarantor.
Yes. Your credit history may not be as bad as you think. Let us do the background work and we’ll take it from there. You do need to show us that you can afford to pay the loan, and you will need security, and may need a guarantor.
Of course! At Pioneer Finance we do not discriminate. We will lend as long as you can prove affordability and everything else meets our lending criteria.
All Pioneer Finance loans are secured. However, our sister company, Finance People, 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.
We strive to have the loan approved, disclosed and paid out within the same business day. This is subject to the complexity and size of the loan. Once the application has been looked at, we usually give you an answer straight away. An approval may be subject to receiving supporting documentation from you.

We can offer:

  • Payment Protection Insurance
  • Motor Vehicle Insurance
  • Motor Vehicle Mechanical Warranties.

For more information on Payment Protection Insurance, please refer to our ‘Important Information’ tab at the top of the page.

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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