Personal Loans
Made Simple
Personal Loans
Made Simple
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
Visa Holders Welcome
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
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
Our Personal Loans Process
Looking for a fast personal loan? Apply once and let us do the heavy lifting. As expert loan brokers, we review your application and approach trusted lenders on your behalf, helping you avoid multiple applications that can impact your credit score.
Won't affect credit score
Same-day assessments
Visa Holders Welcome
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
Repayments and fees shown upfront, so you can budget with confidence and avoid surprises.
Won't affect credit score
Same-day assessments
Visa Holders Welcome
Going Direct vs. Lending Room
Going direct
vs. Lending Room
See how Lending Room stacks up against the competition to get you a better deal.
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
Unsecured Personal Loans
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 from our network.
Won't affect credit score
Same-day assessments
Visa Holders Welcome
Secured Personal Loans
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.
Won't affect credit score
Same-day assessments
Visa Holders Welcome
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.
Won't affect credit score
Same-day assessments
Visa Holders Welcome
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.
Won't affect credit score
Same-day assessments
Visa Holders Welcome
On a Work or
Resident Visa?
We compare top NZ lenders and negotiate to get you the best personal loan outcome. Rates from 8.99% p.a.*
Won't affect credit score
Same-day assessments
Visa Holders Welcome
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
- 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.
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