One application.
Multiple lenders.
Better deals.
One application. Your best deal. Zero credit damage. One application through Lending Room connects you to the lender most likely to say yes. Rates from 8.99% p.a. 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).
Our Trusted NZ Finance Partners
Our Trusted
Finance Partners
How Lending Room works
One short form. We handle the matching, the follow-up and the hard work.
Fill in one application
Takes about 5 minutes. Tell us your loan amount, purpose and basic situation. Just the once.
We review and match you
We review your application and match you to the lender most likely to get you a better deal. We do a soft credit check at this stage so it doesn't hurt your score.
We call you with your options
Our team contacts you with the best options available. You choose, there's no obligation.
Ready to get started?
Apply in 5 minutes. One form reaches up to 20+ lenders.
One application.
Multiple lenders.
Better deals.
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.
A smarter way to borrow
We 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 3pm 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
Are you eligible?
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
Going direct vs. LendingRoom
See how LendingRoom stacks up against the competition to give you a better deal.
| Feature | Direct to Bank | Direct to Lender | ✦ LendingRoom |
|---|---|---|---|
| Who do they work for? | Shareholders | Themselves | ✓ You |
| Options Available | One option | One option | ✓ Multiple lenders |
| Credit Score Risk | High — scores many | High — restricted | ✓ Low — soft check only |
| Interest Rates | Limited | Restricted | ✓ From 8.99% p.a. |
| Assessment Speed | Days to weeks | Days to weeks | ✓ Same-day |
| Visa Holders Welcome | ✗ Rarely | ✗ Rarely | ✓ Yes |
| If they say "No" | Dead end | Dead end | ✓ We find the next option |
One Application. Multiple Loan Options.
One Application.
Multiple Loan Options.
Whatever you’re borrowing for, we’ll find lenders ready to help.
Same simple process, any purpose.
Whatever you’re borrowing for, we’ll find lenders ready to help. Same simple process, any purpose.
Personal Loans
Flexible personal loan options tailored to your credit profile, with competitive rates from 8.99% p.a.
Debt Consolidation
Roll multiple debts into one manageable repayment and simplify your finances.
Vehicle Loans
Finance cars, bikes and boats with loan options matched to your situation.
Unsecured Loan
Borrow from $3,000 to $75,000 with no asset required or property used as security.
Secured Loan
Secure larger loans up to $250,000 using property or assets as security, with tailored rates and flexible terms.
Business Loans
Funding solutions to support cash flow, equipment purchases or business growth.
On a work visa? We can still help.
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
Your questions answered.
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. With Lending Room one application reaches multiple lenders at the same time with a single soft check.
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.
There is no upfront fee for borrowers. We are paid a fee by the lender only when a loan is successfully settled. Lender establishment and broker fees may apply and will be disclosed before you proceed.
In most cases you will hear back the same day. Same-day funding is possible for applications approved before 3pm 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.
What our customers say
Rated 5 out of 5 on Trustpilot
Ready to find your best loan match?
Our application takes about 5 minutes to complete. We handle the matching on your behalf with no credit score impact.