One application.
Multiple lenders.
Better deals.
One application.
Multiple lenders.
Better deals.
Apply for a personal loan without smashing your credit score. Competitive interest rates from 8.99% p.a.*
Apply for a personal loan without smashing your credit score.
Competitive interest rates from 8.99% p.a.*
Won't affect credit score
Same-day assessments
Our Trusted NZ Finance Partners
Our Trusted
Finance Partners
Rated 5 Out of 5 by Kiwis Across NZ
Rated 5 Out of 5
by Kiwis Across NZ
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How we get you a better personal loan deal
A personal loan is the flexible way to borrow money for everyday needs. Whether you are looking to consolidate debt, buy a car or cover unexpected expenses we help you find the right finance solution.
At Lending Room we help Kiwis compare personal loans in NZ by matching one application with multiple lenders. This saves you time and protects your credit score from unnecessary checks.
*No impact on your credit score and 100% confidential.
01. Apply once
One simple application gives you access to multiple personal loan lenders instead of applying everywhere yourself.
02. We assess your application
We review your goals, income and credit profile to understand what unsecured or secured options actually make sense for you.
03. We compare lenders for you
We match you with the lenders most likely to suit your situation so you don't waste time on declines or risk unnecessary credit checks.
04. Choose what works for you
You review the loan offers and decide if you want to move forward. The choice is always yours.
Why use Lending Room for your personal loan?
Why use Lending Room for your personal loan?
Lending Room is a NZ loan broker. That means we work for you, not the lender. Instead of applying to multiple loan companies yourself, we compare options across trusted NZ lenders and secure you to a loan that fits your situation.
Lower Rates, Less to Repay
We compare trusted NZ lenders to help lower your repayments and reduce the total cost of your loan.
Protect Your Credit Score
One application matched to the right lenders, helping limit unnecessary credit checks.
More Options, One Application
Compare secured and unsecured loan options from multiple NZ lenders in one place.
We Save You Time
We compare lenders and explain your options, so you don’t have to chase banks.
Clear, Simple Advice
Clear, plain-English advice so you know exactly what you’re signing up for.
No Surprises on Costs
epayments and fees shown upfront, so you can budget with confidence and avoid surprises.
Won't affect credit score
Same-day assessments
Going direct to a lender or bank vs. Lending Room
Going direct to
a lender or bank
vs. Lending Room
See how Lending Room compares to the banks and lenders to get you a faster, fairer personal loan.
Fair rates. Flexible terms. No surprises.
Interest rates and fees are set by the lender and depend on factors like your credit history, loan amount and loan term. We clearly explain the full cost so there are no surprises later.
Loan Amounts
from $3,000
to $250,000
Interest Rates
from 8.99%
to 29.95% p.a.
Establishment Fee
Up to $450
Broker fee up to $1,500
Loan Terms
from 6 months
to 84 months
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.
One application. Multiple loan options.
One application. Multiple loan options.
Personal Loans
Flexible personal loan options tailored to your credit profile, with competitive rates from trusted NZ lenders.
Debt Consolidation
Roll multiple debts into one manageable repayment to simplify your finances and potentially lower your weekly costs.
Vehicle Loans
Finance cars, bikes and boats with loan options matched to your situation.
Unsecured Loans
Borrow from $3,000 to $75,000 with no asset required. Perfect for holidays, weddings or unexpected bills.
Business Loans
Fast funding solutions to support cash flow, equipment purchases or business growth.
What can we help you make happen?
Big plans, everyday goals and everything in between. Apply once and we’ll help you find a loan that fits.
We’re perfect for you if you want:
- One safe application that won’t hurt your credit score
- Access to trusted NZ lenders, matched to your situation
- Visa holders welcome, including work and residency visas
- Faster answers so you can move forward with confidence
- Repayments structured to suit your pay cycle and budget
- Clear, upfront costs with no hidden surprises
- A friendly local team to guide you from start to finish
*No impact on your credit score and 100% confidential.
Frequently asked questions
- Be 18 years or older
- Hold one of these photo IDs:
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, 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.
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.
We complete a soft credit check during our assessment which does not impact your credit score.
Submitting an initial enquiry with us allows us to review your situation without immediately affecting your score. When we formally apply to a specific lender on your behalf a credit check will be performed. Using a broker protects your score because we match you with the right lender first rather than you applying to multiple banks and racking up multiple credit checks.
Your interest rate depends on your unique profile, credit history and the security provided. Our rates typically range from 8.99% to 29.95% p.a. By using a broker you ensure you are getting a competitive rate that matches your financial situation
In most cases yes. Many of our lenders allow for early repayment without heavy penalties which can save you significant money on interest. If having the flexibility to pay off your debt faster is important to you let our team know so we can match you with a lender that offers flexible terms.
Not always. We offer both secured loans where you use a vehicle or asset as security and unsecured loans where no asset is required. Secured loans often come with lower interest rates and higher approval chances but we can discuss which option is best for your goals.
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.