Rated 5 out of 5 on Trustpilot by 1,030+ New Zealanders. Apply once and we find the lender from our panel most likely to get you a better deal. No credit score impact. Ever.
How much do you need?
We'll find your best deal based on your credit profile.
Calculator is a guide only. Actual rates and fees depend on your profile and lender criteria. Rates from 8.99%–29.95% p.a. (AIR).
One short form. We handle the matching, the follow-up and the hard work.
Takes about 5 minutes. Tell us your loan amount, purpose and basic situation. Just the once.
We run a soft credit check and match you to the lender on our panel most likely to get you a better deal. A soft check does not affect your credit score.
Our team contacts you with your approval. If it works for you we guide you through to settlement. No obligation at any stage.
Ready to get started?
Apply in 5 minutes. One application. A better loan deal.
Most people don't realise that applying directly with multiple lenders leaves a mark on their credit file every single time. Five applications means five hard credit checks and a lower score before you've even borrowed a cent.
With Lending Room you apply once. We do one soft check, match you to the right lender and present you with your options. Your credit score stays intact and you get a better result.
Whatever you need the money for, we match you to the right NZ lender at the right rate.
From $3,000 to $250,000 for any personal purpose across New Zealand. Fast assessment, competitive rates from 8.99% p.a.
Learn moreNew or used vehicles. We find NZ lenders who specialise in vehicle finance at rates that work for you.
Learn moreRoll multiple debts into one lower-rate loan with a vetted NZ lender. Simplify repayments and potentially save on interest.
Learn moreFinance your renovation without touching your mortgage. Secured and unsecured options available across New Zealand.
Learn moreFinance new or used boats, jetskis, trailers and motors across New Zealand. Dealer and private sales accepted.
Learn moreCover elective surgery, dental work, fertility treatment and urgent medical costs at competitive rates.
Learn moreFinance your holiday, honeymoon or family adventure with a fixed-rate personal loan from a NZ lender.
Learn moreOpen and employer-specific work visas accepted. Minimum 13 months remaining required. NZ-based income required.
Learn moreUse an asset as security to access larger loan amounts or better interest rates from our NZ lending panel.
Learn moreWorking capital, equipment finance or growth funding from $5,000 to $500,000. We match your NZ business to the right lender.
Learn moreApply once and we will match you to the right lender for your situation.
Apply nowWe are not a lender. We are on your side, working to find you the best deal from our panel of 20+ vetted NZ lenders.
Your credit score is protected
We use a soft credit check that does not appear on your credit file. Applying directly with multiple lenders does.
One application, not five
Fill in one form and we do the work. No repeating yourself across multiple lender websites.
Rates from 8.99% p.a.
Access rates you may not find on your own. Our panel includes specialist lenders not available direct to consumers.
Same-day assessments
In most cases you will hear back the same day. Same-day funding is possible for applications approved before 12pm on business days.
20+ lenders on our panel
We work with a wide range of vetted NZ lenders so we can match you to the right one for your specific situation.
What happens to your credit score
Applying direct
5 hard checks
One per lender. Each one lowers your score.
With Lending Room
1 soft check
No impact on your credit file.
Your credit score stays intact
We help employed New Zealanders get better loan deals. We work with borrowers who have a clean or near-clean credit record.
You are employed
Full-time, part-time or self-employed with verifiable income.
You are a NZ citizen, resident or eligible visa holder
Open work visas and employer-specific work visas with at least 13 months remaining.
You have a good credit history
We work with borrowers who have a clean or near-clean credit record.
You need between $3,000 and $250,000
Personal, business or secured lending across terms of 6 to 84 months.
What to have ready
Having these on hand will speed up your assessment.
Your NZ driver licence or passport
3 months of bank statements
Details of any existing loans or debts
Many NZ lenders decline visa holders outright. We work with lenders on our panel who specifically cater for employed visa holders with stable income.
Visa eligibility at a glance
Everything you need to know before you apply.
Can't find what you're looking for? Contact our team
We use a soft credit check during our assessment which does not appear on your credit file or affect your score. After we match you to a lender, some accept our soft check while others may run their own standard credit check as part of their process.
Every time you apply directly with a lender they run a hard credit check that leaves a mark on your file. Apply to five lenders separately and your score takes five hits before you have even borrowed a cent. With Lending Room you apply once, we assess your situation and match you to the lender from our panel most likely to get you a better deal — all with a single soft check that does not affect your score.
We review your application and match you to the lender on our panel most likely to get you a better deal. We do not blast your details to every lender at once. You receive a tailored match based on your situation.
Yes. We accept open and employer-specific work visas with at least 13 months remaining, provided you have a regular NZ-based income and a good credit history.
Yes. We match businesses to lenders for term loans, working capital and equipment finance. Apply once and we find the right fit for your business.
A broker and introducer fee of up to $1,500 applies when your loan is successfully funded. This fee is added to your loan amount and is GST inclusive. It is disclosed clearly before you commit to anything and you are never under obligation to proceed. Lender establishment fees may also apply depending on the lender.
In most cases you will hear back the same day. Same-day funding is possible for applications approved before 12pm on business days.
The minimum is $3,000 and the maximum is $250,000, depending on the lender and your personal circumstances. Loan terms range from 6 to 84 months.
Rated 5 out of 5 on Trustpilot
A loan broker is an intermediary who works on your behalf to find the most suitable loan from a panel of lenders. Rather than applying directly with a single bank or finance company, you apply once through a broker and your application is assessed against multiple lenders simultaneously. The broker matches you to the lender most likely to approve you at the best available rate for your situation.
Lending Room is a New Zealand loan broker registered on the Financial Service Providers Register (FSP486566). We work with a panel of 20+ vetted NZ lenders including banks, non-bank lenders and specialist finance companies. We are not a lender ourselves. We are on your side, and we are required by law to act in your best interest and disclose all fees clearly before you commit to anything.
When most people need a loan in New Zealand, their first instinct is to call their bank. This is understandable but it comes with a significant disadvantage. Your bank offers you one product at one rate with one set of conditions. If that rate is not competitive or the bank declines your application, you are back to square one.
Every time you apply directly with a lender in NZ, they run a hard credit check that leaves a mark on your credit file. If you apply with your bank and are declined, then try a finance company, then try another lender, your score takes three hits before you have borrowed a cent. A lower credit score can then affect the rate you are offered by the next lender, creating a compounding problem that is difficult to reverse.
Lending Room runs one soft credit check during our assessment. A soft check does not appear on your credit file and does not affect your score. We use this single check to assess your application against our full panel of 20+ lenders and identify the one most likely to get you a better deal. Once matched, some lenders accept our soft check while others may run their own standard check as part of their process. We let you know before we submit.
One application through Lending Room reaches 20+ vetted NZ lenders. One soft credit check. No impact on your score. No obligation to proceed until you are satisfied with the offer.
Personal loan rates in New Zealand are quoted as an Annual Interest Rate (AIR). Rates on our panel range from 8.99% p.a. for borrowers with strong credit profiles up to 29.95% p.a. for higher-risk lending. The rate you are offered depends on your credit history, income, employment stability, the loan amount and the term you choose.
Banks in NZ typically offer personal loan rates starting around 12% to 15% p.a. for existing customers with good credit. Non-bank specialist lenders on our panel can sometimes offer sharper rates for certain borrower profiles, particularly for vehicle finance and debt consolidation. The only way to know what rate you qualify for is to apply and compare. Doing that through Lending Room means you compare without the credit score cost of applying everywhere yourself.
Lending Room works across personal loans, car loans, debt consolidation, home renovation finance, boat and jetski loans, medical and dental loans, travel loans, visa holder loans, secured loans and business loans. For personal and vehicle lending, loan amounts range from $3,000 to $250,000 over terms of 6 to 84 months. For business lending, amounts range from $5,000 to $500,000.
Regardless of the loan type, the process is the same. One five-minute application, one soft credit check and we handle the matching, the follow-up and the hard work of finding you the right lender. You choose whether to proceed. There is no pressure and no obligation at any stage.
Our application takes about 5 minutes to complete. We handle the matching on your behalf with no credit score impact.
