Lending Room

One form.
Multiple lenders.
Better deals.

One Application. Multiple Lenders. Better Deals!

Get a better loan deal without credit score blowouts. Rates from 8.99% p.a.*

One application. Multiple lenders. Better loan deal without credit score blowouts. Rates from 8.99% p.a.*

*No obligation, no impact on your credit score
and 100% confidential.

Our Trusted
Finance Partners

Our Trusted NZ Finance Partners

Rated 5 Out of 5 by Kiwis​

Rated 5 Out of 5
by Kiwis

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L. Anderson

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L. Anderson

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L. Anderson

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OUR LOAN APPLICATION PROCESS

One Form.
Multiple Lenders.
Better Deals.

Looking for a personal loan? Avoid applying to multiple lenders which can hurt your credit score. With one simple application we compare trusted lenders to find the best deal tailored to you.

*No obligation, no impact on your credit score
and 100% confidential.

01. Quick 5-Minute Application

Complete our simple online application. It's fast, 100% online and risk-free for your credit score.

02. Compare Multiple Lenders

Our expert team finds your best match from our network of trusted Kiwi lenders.

03. Final Approval & Fast Funding

Accept your deal, sign digitally and get funds paid directly to your account. Easy!

What You Get With Lending Room

What You Get With Lending Room

Apply once and unlock better loan options. We’re loan brokers, not lenders, so we work for you. We compare trusted Kiwi lenders on your behalf, protecting your credit score and giving you a stronger shot at a sharper deal.

A Better Rate That Saves You Money

We compare multiple NZ lenders for you so you’re more likely to get a competitive rate. That means lower repayments, lower long-term costs and more money left over.

Flexible Repayment Options That Fit Your Life

Every lender offers different terms. We compare them and find options that match your lifestyle, keeping your repayments manageable and predictable week to week.

Finance That Helps You Get Things Done

From a $3,000 top-up to a $50,000 project, you can move forward with the money you need without dipping into savings or delaying what matters. One application gets you options that fit your goals.

Fast Answers So You Can Make Decisions Sooner

You don’t get stuck waiting around. With the right info supplied, you can know where you stand the same day, letting you move ahead with confidence instead of uncertainty.

Payments That Match How You Get Paid

Whether you’re paid weekly, fortnightly, or monthly, we look across lenders to find repayment schedules that line up with your pay cycle. It’s easier to plan, easier to stay on track and easier to stay organised.

Clear, Simple Costs So You Can Plan With Confidence

No surprises. You’ll know what you’re paying before anything starts. With transparent costs and no hidden fees, you can budget properly and make decisions without guesswork.

*No obligation, no impact on your credit score
and 100% confidential.

We’re Here to Find the
Best Loan Deal for You

We’re Here to Find the Best Loan Deal for You

Apply once and get access to multiple trusted Kiwi lenders. We’ll look at your financial situation and find the lender most likely to give you the best deal. No need to apply to each lender yourself.

What you need

RATES

from 8.99%

NZ OWNED

and operated

RANGE OF LOANS

to fit your needs

Personal Loan Repayment Calculator​

Estimate your repayments in seconds. Choose your loan amount, term and rate to see what you’ll repay weekly or monthly.

Get the Loan You Need Without the Hassle

Get the Loan You Need Without the Hassle

One simple application gives you access to sharper rates for personal loans, debt consolidation, business loans and vehicle finance across NZ.

Smiling woman with yellow suitcase celebrating approval of a personal loan from Lending Room

Personal Loans

Get a personalised personal loan from 8.99% p.a. to cover life’s unexpected costs - fast, simple and 100% online.

Woman reviewing finances after consolidating debt with Lending Room

Debt Consolidation

Combine multiple debts into one easy repayment with our quick, online debt consolidation loans.

Happy woman lying on a new car, celebrating vehicle loan approval from Lending Room

Vehicle Loans

Apply online for a vehicle loan and get the funds to buy your car, ute, bike or boat. Fast and hassle-free.

Excited man celebrating fast approval of an unsecured personal loan from Lending Room

Unsecured Loans

Unsecured loans from $1,000 to $50,000. We make applying for unsecured loans simple.

Confident business owner using a tablet, representing Lending Room’s small business loan services in NZ

Business Loans

Need funding to grow? Our business loans support Kiwi businesses with capital for gear, stock or cash flow.

Who Lending Room
Is For?

Ideal for Kiwis who want sharper deals on personal, vehicle, business, or debt consolidation loans with one simple application.

We’re perfect for you if you want:

*No obligation, no impact on your credit score
and 100% confidential.

Frequently
Asked Questions

  • Be 18 years or older
  • Hold one of these photo IDs:
1: NZ driver licence
2: Passport
3: Kiwi Access Card plus an embossed and signed bank card
  • Be a NZ citizen, resident or have a valid work visa with at least 13 months remaining

  • Earn at least $600 per week paid into your own bank account

  • Have a good credit history (some lenders may accept limited history for visa holders)

Yes, you can. If you're on a resident visa or a work visa with at least 13 months left, you’re welcome to apply. You’ll also need to be over 18, earning at least $600 a week in New Zealand, and have a fair credit history.

We work with lenders who are happy to consider visa holders, and we’ll do our best to match you with the right option. Apply online and we’ll take care of the rest.

Yes, if you have a regular income of at least $600 per week after tax paid into your own bank account. Most successful applications are from people in stable employment. Your application will also depend on your loan purpose, affordability and a good credit history.

Yes, for personal loans we do charge a fee, this is called a broker or introducer fee. As every application is unique, the fee charged will vary depending on the work and time spent on attaining the loan approval for you. The broker/introducer fee can be added to the total loan amount and is not required to be paid up front. For home loans we are paid a commission from the bank for successful applications, in some instances where a commission is not paid, then a fee may be charged. All fees that apply to your lending will be discussed with you before you commit to anything.

You’ll usually hear back within the same business day. In most cases we’ll have an update for you within a few hours. If it takes longer it is usually because we are waiting on missing documents like your bank statement, ID or other required information. Once we have everything we need we can move quickly and it will be no more than two working days.

Use our loan calculator to get a quick idea of your repayments. Just pop in your loan amount, term, and rate. It’s only an estimate, but it’s a great place to start.

Smiling man holding a tablet with question icons, representing Lending Room’s loan FAQs and customer support

NEED MORE INFORMATION? Call us now on 09 928 6800 or email info@lendingroom.co.nz.

NEED MORE INFORMATION?
Call us now on 09 928 6800
or email info@lendingroom.co.nz.