Personal Loans for
Work & Resident
Visa Holders
Personal Loans for
Work & Resident
Visa Holders
New to NZ? Don’t let your visa hold you back. We connect you with trusted Kiwi lenders who approve visa holders. Rates from 8.99% p.a.
New to NZ? Don’t let your visa hold you back. We connect you with trusted Kiwi lenders who approve visa holders. Rates from 8.99% p.a.
Won't affect credit score
Same-day assessments
Visa Holders Welcome
Our Trusted NZ Finance Partners
Our Trusted
Finance Partners
NZ's Most Loved Loan Brokers
NZ's Most Loved
Loan Brokers
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Our personal loan proces
Apply Online
Complete our secure, mobile-friendly application.
Expert Check
We review your income and visa length to match you with the right lender.
We Negotiate
We fight to secure the lowest interest rate and best terms for your profile.
Fast Funding
Sign digitally and get cash in your account, often on the same day.*
How we can help you
Big banks often decline visa holders automatically. We don’t. As specialist loan brokers, we know exactly which NZ lenders approve work and resident visas. Get the funds you need to settle in or buy a car without the runaround.
Won't affect credit score
Same-day assessments
Visa Holders Welcome
We Know Who Approves
Don't waste time. We match you instantly with lenders who understand visa terms, avoiding automatic declines.
Protect Your Credit Score
Multiple declines damage your NZ credit rating. We assess your profile before submitting it to a lender, keeping your credit file clean and protected.
Fair Rates, No Premium
Being new to NZ shouldn't mean paying higher interest. We compare over 15+ lenders to secure you a highly competitive rate, starting from just 8.99% p.a.
Finance for Your New Life
Finance for Your New Life
We help newcomers secure finance for the things that matter most when building a life in NZ.
Vehicle Finance
We secure car loans for visa holders, often using the car as security to boost approval odds.
Settling In Costs
Cover rental bonds, furniture, or relocation costs easily so you can turn your house into a home sooner.
Debt Consolidation Loan
Combine bills or high-interest debts into one manageable repayment to lower financial stress
Won't affect credit score
Same-day assessments
Visa Holders Welcome
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.
Personal Loan Rates & Terms Made Clear
Fair interest rates, flexible loan terms and clear fees, explained upfront so there are no surprises.
Loan Amounts
from $3,000
to $250,000
Interest Rates
from 8.99%
to 29.95% p.a.
Loan Term
from 6 months
to 84 months
Establishment Fee
Up to $450
Introducer
Fee
Up to $1,500
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
Won't affect credit score
Same-day assessments
Visa Holders Welcome
Frequently Asked Questions
No jargon, no fine print tricks. Just straight answers to common 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. While traditional banks often say no, we work with a panel of specialist lenders who regularly approve personal and vehicle loans for people on valid NZ work visas.
Yes. In most cases, lenders require your loan term to be paid off before your current visa expires. For example, if you have 2 years left on your work visa, your maximum loan term will generally be 24 months.
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
Not necessarily. We fight for the same competitive rates as NZ citizens, starting from 8.99% p.a. based on your profile.
Ready to find your
best personal loan deal?
Ready to
find your best
personal loan deal?
One quick application. Multiple lenders. Won’t hurt your credit score.
One quick application. Multiple lenders.
Won’t hurt your credit score.
Won't affect credit score
Same-day assessments
Visa Holders Welcome