One Form. Multiple Lenders.
Get better rates and approval odds with one quick application.
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 Results.
Lending Room is a trusted loan broker helping Kiwis get personal loans through our network of well-established lenders in NZ. This means we work with multiple trusted lenders on your behalf, so you get access to better options without needing to apply to each one individually.
You only need to apply once on our website. We review your application and send it to the lenders most likely to approve you, helping you get better rates, faster approvals, 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
- Be 18 years or older
- Receive a minimum of $600 weekly
- Valid Passport or NZ Drivers Licence
- Internet banking access
- Be a NZ Citizen, Resident or on a Work Visa (13+ months left)
- Fair to good credit history (some lenders may accept limited history for visa holders)
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.
Personal Loans
Get a personalised personal loan from 9.95% p.a. to cover life’s unexpected costs - fast, simple, and 100% online.
Debt Consolidation
Combine multiple debts into one easy repayment with our quick, online debt consolidation loans.
Vehicle Loans
Apply online for a vehicle loan and get the funds to buy your car, ute, bike, or boat. Fast and hassle-free.
Unsecured Loans
Unsecured loans from $1,000 to $50,000. We make applying for unsecured loans simple.
Home Loans
First home, refinance, or investment? We’ll help you secure the right home loan with expert support.
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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EXCELLENT | Rated 4.9 based on 314 reviews
Frequently asked questions
- You need to be at least 18 years old
- Valid Photo ID:
- A NZ Citizen, Resident or hold a valid work visa
- Receive a regular source of income of $600 weekly or more, this can be through employment or a Government benefit.
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.
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, as long as you are receiving income of $600 weekly after tax, you are welcome to apply. The maximum amount you can borrow will be subject to the loan purpose, your affordability and credit history.
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.
Our trusted Finance Partners
Our trusted
Finance Partners