Stop applying to lenders one at a time. Apply once with Lending Room and we match you to the lender from our panel of 20+ most likely to get you a better deal. Rates from 8.99% p.a. with no impact on your credit score from our check.
Actual rates depend on your profile and lender criteria. Some lenders may run their own credit check after we match you.
One short form. We handle the matching, the follow-up and the hard work.
Takes about 5 minutes. Tell us your loan amount, purpose and basic situation. Just the once.
We run a soft credit check and match you to the lender on our panel most likely to get you a better deal. A soft check does not affect your credit score.
Our team contacts you with your approval. If it works for you we guide you through to settlement. No obligation at any stage.
Ready to get started?
Apply in 5 minutes. One application. A better loan deal.
Personal loans can be used for almost any purpose. We match you to the right lender for your specific situation.
Finance a new or used vehicle. We also have specialist car loan lenders on our panel.
Car loansFund your renovation project without using your home as security. Unsecured options available.
Renovation loansCombine multiple debts into one lower-rate loan. One repayment, one due date, one lender.
Consolidation loansCover planned or unexpected medical and dental costs with a personal loan at a competitive rate.
Medical loansFinance your holiday, wedding abroad or family travel with a personal loan at a fixed rate.
Travel loansPersonal loans can be used for almost any purpose. Apply once and we will match you to the right lender.
Apply nowOne application reaches lenders who specialise in personal finance. No credit score impact from our check.
We run one soft credit check that does not affect your score. Applying direct with multiple lenders leaves a hard mark every time. Once matched, some lenders accept our check while others may run their own.
Access competitive rates from specialist lenders on our panel. Rates you may not find by applying direct.
Same-day assessments available. Same-day funding is possible for applications approved before 12pm on business days.
Choose a loan term from 6 to 84 months to suit your budget. Secured and unsecured options available.
We work with a wide range of vetted NZ lenders and match you to the one most suited to your situation.
Checking your options costs nothing and commits you to nothing. You choose whether to proceed.
Personal loans can be used for almost any purpose. We match you to the right lender for your specific situation.
Finance a new or used vehicle. We also have specialist car loan lenders on our panel.
Car loansFund your renovation project without using your home as security. Unsecured options available.
Renovation loansCombine multiple debts into one lower-rate loan. One repayment, one due date, one lender.
Consolidation loansCover planned or unexpected medical and dental costs with a personal loan at a competitive rate.
Medical loansFinance your holiday, wedding abroad or family travel with a personal loan at a fixed rate.
Travel loansPersonal loans can be used for almost any purpose. Apply once and we will match you to the right lender.
Apply nowWe help employed New Zealanders with a good credit history get better personal loan deals.
You are employed
Full-time, part-time or self-employed with verifiable income.
NZ citizen, resident or eligible visa holder
Open and employer-specific work visas with at least 13 months remaining.
Good credit history
We work with borrowers who have a clean or near-clean credit record.
Loan amount between $3,000 and $250,000
Terms from 6 to 84 months.
What to have ready
Having these on hand will speed up your assessment.
Your NZ driver licence or passport
3 months of bank statements
Details of any existing loans or debts
Common questions about getting a personal loan through Lending Room.
Can't find what you're looking for? Contact our team
We run a soft credit check during our assessment which does not appear on your credit file or affect your score. Once we match you to a lender, some accept our soft check while others may run their own standard credit check as part of their process. We will let you know before we submit.
Every time you apply directly with a lender they run a hard credit check that leaves a mark on your file. Apply to five lenders separately and your score takes five hits before you have even borrowed anything. With Lending Room one application reaches multiple lenders with a single soft check.
The minimum is $3,000 and the maximum is $250,000 depending on the lender and your personal circumstances. Loan terms range from 6 to 84 months.
Personal loans can be used for almost any purpose including car purchases, home renovations, debt consolidation, medical costs, travel and more. Tell us what you need the loan for and we will match you to the most suitable lender.
In most cases you will hear back the same day. Same-day funding is possible for applications approved before 12pm on business days.
Yes. We accept open work visas and employer-specific work visas with at least 13 months remaining, provided you have a regular NZ-based income and a good credit history.
A broker and introducer fee of up to $1,500 applies when your loan is successfully funded. This fee is added to your loan amount and is GST inclusive. It is disclosed clearly before you commit to anything and you are never under obligation to proceed. Lender establishment fees may also apply depending on the lender.
Rated 5 out of 5 on Trustpilot
One application, one soft credit check, matched to the right lender from our panel of 20+ vetted NZ lenders. No obligation to proceed.
