Personal
Loan
Fast, Flexible Personal Loans Tailored to You
Looking for a personal loan? Lending Room makes it easy. Whether it’s for a holiday, wedding, emergency, or everyday expenses, we’ll match you with a personalised solution. Our expert brokers handle the hard stuff so you can enjoy a fast, stress-free application and competitive rates.
Unsecured Personal Loans – No Collateral Needed
Get the funds you need without putting up your car or other assets. With an unsecured personal loan, you can borrow up to a set amount based on your income and credit history. While interest rates are typically higher than secured loans, we work hard to get you the best possible rate. Fast approvals, simple online process, and no security required.
Secured Personal Loans – Borrow More at a Lower Rate
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.
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
Struggling with multiple repayments? 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.
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.
Cash Advance
Need fast cash? Whether you’re between paydays or facing an unexpected bill, Lending Room’s cash advance loans are here to help hardworking Kiwis get the support they need. Quick and easy.
Apply online in minutes. Fast approvals. Flexible repayments.
Why choose a cash advance from Lending Room?
Approval
Get quick and easy approval for a short-term personal loan.
Term
Borrow up to $3,000 and repay over 12 months.
Quick
Get funds the same day or next. No mucking around.
Flexible
Choose to repay weekly, fortnightly or monthly.
Refinance Loan
Sick of high interest? Refinance your loan today and lock in a better rate with Lending Room. It only takes a few minutes to apply online.