*No obligation, no impact on your credit score
and 100% confidential.
How Our Loan
Process Works
Apply once and let us do the heavy lifting. We review your application and approach trusted lenders on your behalf, helping you avoid multiple applications that can impact your credit score.
01. Apply once
One application gives you access to multiple lenders instead of applying everywhere yourself.
02. We assess your application
We look at your goals, income and credit profile to understand what options actually make sense for you.
03. We compare lenders for you
We match you with lenders most likely to suit your situation so you do not waste time or risk unnecessary credit checks.
04. Choose what works for you
You review the options and decide if you want to move forward. The choice is always yours.
What You Get With Lending Room
What You Get With Lending Room
Apply once and unlock better loan options. We’re loan brokers, not lenders, so we work for you. We compare trusted Kiwi lenders on your behalf, protecting your credit score and giving you a stronger shot at a sharper deal.
A Better Rate
That Saves You Money
We compare trusted NZ lenders to help you secure a competitive rate, which can lower repayments, reduce overall cost, and leave more money in your pocket.
Better Use of Your
Credit Profile
Applying everywhere can work against you. We narrow down suitable options first to help reduce unnecessary credit checks on your profile.
More Loan Options
in One Place
We work with a range of trusted NZ lenders, giving you access to loan options you may not find by going direct.
Support That
Saves You Time
Instead of chasing lenders and comparing fine print, we handle the comparison and explain your options clearly.
Straightforward Guidance
We break everything down in plain English so you know what you are getting and what it will cost before deciding.
Clear, Simple Costs So You
Can Plan With Confidence
No surprises. You will understand the repayments and fees upfront so you can budget with confidence and move forward comfortably.
*Rate and approval is subject to provider credit criteria. Lender establishment fees, terms & conditions apply.
*We complete a soft-touch credit enquiry during our assessment, which does not impact your credit score. After we determine the most suitable lender and submit your application, some lenders accept this enquiry, while larger lenders may conduct their own standard credit check as part of their process.
Vehicle and Personal Loan Disclosure:
For vehicle and personal loans, the Annual Interest Rate (AIR) and Annual Percentage Rate range from 8.99% p.a. to a maximum of 29.95% p.a., on a minimum loan term of 6 months to a maximum term of 84 months.
Our services are provided in accordance with our Terms & Conditions. The actual interest rate charged to you is determined by the lender and will depend on your personal profile, credit history, the type of lending required, and the security provided (if any).
For vehicle and personal loans, fees apply; including an establishment fee of up to $450 and an introducer/broker fee of up to $1,500.
Representative example of total cost of a loan: A loan of $5,000 over 12 months at 12.95% p.a. has fees totalling $735 and a total repayment of $6,145.20, equating to 12 monthly payments of $512.10.