Personal Loans Made Simple
One application. Multiple lenders.
Better loan deal without credit score blowouts.
*No obligation, no impact on your credit score
and 100% confidential.
Our Trusted
Finance Partners
Our Trusted Finance Partners
Rated 5 Out of 5 by Kiwis Nationwide
Rated 5 Out of 5
by Kiwis Nationwide
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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.
*No obligation, no impact on your credit score
and 100% confidential.
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 multiple NZ lenders to help you access a competitive rate. That can mean lower repayments, reduced long-term cost and more money left 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.
*No obligation, no impact on your credit score
and 100% confidential.
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.
Transparent Rates with No Hidden Surprises
We make sure you understand the full picture before you move forward.
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
*Your interest rate and fees are set by the lender and depend on factors like your credit history, loan amount and loan term.
Unsecured Personal Loans
While interest rates are typically higher than secured loans, we work hard to get you the best possible rate.
*No obligation, no impact on your credit score and 100% confidential.
Secured Personal Loans
A secured loan lets you borrow against an asset like a car, boat, or home. Because there’s security behind the loan, you may be able to access a larger amount and a lower interest rate. It’s a smart way to borrow if you have something to secure it with.
*No obligation, no impact on your credit score and 100% confidential.
Why do I need a secured loan?
I want a lower interest rate
Using your car, home, or boat as security can help you get a sharper rate on your personal loan. It shows the lender you’re serious and gives them peace of mind.
I’ve been declined elsewhere
If you’ve struggled to get approved, offering something like your home or car as security can improve your chances.
I need to borrow more or repay over a longer time
Putting up security gives the lender confidence, so you may be able to borrow a higher amount or take longer to pay it back.
Debt Consolidation
Combine your personal loans, car loans, credit cards or hire purchases into one simple debt consolidation loan.
Our team will work with trusted lenders to help lower your stress, save on interest and make repayments easier to manage.
*No obligation, no impact on your credit score and 100% confidential.
How does debt consolidation work?
Debt consolidation combines all your existing debts into one simple loan. You’ll only need to manage one regular repayment, making life easier and often saving you on interest.
Approval
Get approved fast through our trusted lenders.
Term
One fixed loan term with a single interest rate.
Repayment
Choose weekly, fortnightly or monthly repayments that suit your budget.
Requirements
You must be a New Zealand Citizen, Resident, or hold a valid work visa.
Refinance Loan
Your interest too high? Refinance your loan today and lock in a better rate with Lending Room. It only takes a few minutes to apply online.
*No obligation, no impact on your credit score and 100% confidential.
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 obligation, 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.
Use our loan calculator to get a quick idea of your repayments. Just pop in your loan amount, term, and rate. It’s only an estimate, but it’s a great place to start.
