Lending Room

One Form. Multiple Lenders.

We work every angle with trusted Kiwi lenders to get you better rates, fast.

Smiling woman in orange sweater representing a fast and easy online loan application process with Lending Room, a 100% Kiwi-owned company.

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.

RATES

from 9.95%

NZ OWNED

and operated

RANGE OF LOANS

to fit your needs

One Application. Multiple Lenders. Better Rates.

Lending Room helps Kiwis get personal loans through our network of trusted lenders. Apply once and we handle everything for you, giving you access to more options without the hassle of applying to each lender yourself.

You only need to apply once on our website. We review your application and send it to the lenders that best fit your situation, helping you get better rates, faster results and a smoother experience. Loan rates start from 9.95% p.a.

Whether you need a car loan, debt consolidation or support with something else, we make borrowing simple.

What you need

Our trusted Finance Partners

Our trusted
Finance Partners

Our Range of Loan Products

Need help with a holiday loan, consolidating debts, or buying your first home? We’ve got a range of flexible loan options to suit your goals. Everything’s done online, so you can apply in just minutes – no paperwork, no stress.

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

Personal Loans

Get a personalised personal loan from 9.95% 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.

Customer feedback

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L. Anderson

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L. Anderson

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L. Anderson

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L. Anderson
Trustpilot

EXCELLENT | Rated 4.9 based on 314 reviews

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

Our trusted Finance Partners

Our trusted
Finance Partners