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
Rated 5 Out of 5
by Kiwis
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OUR LOAN APPLICATION PROCESS
One Form.
Multiple Lenders.
Better Deals.
Looking for a personal loan? Avoid applying to multiple lenders which can hurt your credit score. With one simple application we compare trusted lenders to find the best deal tailored to you.
*No obligation, no impact on your credit score
and 100% confidential.
01. Quick 5-Minute Application
Complete our simple online application. It's fast, 100% online and risk-free for your credit score.
02. Compare Multiple Lenders
Our expert team finds your best match from our network of trusted Kiwi lenders.
03. Final Approval & Fast Funding
Accept your deal, sign digitally and get funds paid directly to your account. Easy!
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 for you so you’re more likely to get a competitive rate. That means lower repayments, lower long-term costs and more money left over.
Flexible Repayment Options That Fit Your Life
Every lender offers different terms. We compare them and find options that match your lifestyle, keeping your repayments manageable and predictable week to week.
Finance That Helps You Get Things Done
From a $3,000 top-up to a $50,000 project, you can move forward with the money you need without dipping into savings or delaying what matters. One application gets you options that fit your goals.
Fast Answers So You Can Make Decisions Sooner
You don’t get stuck waiting around. With the right info supplied, you can know where you stand the same day, letting you move ahead with confidence instead of uncertainty.
Payments That Match How You Get Paid
Whether you’re paid weekly, fortnightly, or monthly, we look across lenders to find repayment schedules that line up with your pay cycle. It’s easier to plan, easier to stay on track and easier to stay organised.
Clear, Simple Costs So You Can Plan With Confidence
No surprises. You’ll know what you’re paying before anything starts. With transparent costs and no hidden fees, you can budget properly and make decisions without guesswork.
*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.
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.