Online Personal Loans

Simple online application. At Loanwise we make our personal loans, personal. Our loans are tailored to your needs.

Personal Loans from Loanwise

Like many other New Zealanders, you work hard and pay your bills to stay on top of your financial duties but everything changes when a financial difficulty arises. The good news is, these situations can be managed well with a personal loan from Loanwise.


Personal loans from Loanwise will be the easiest and fastest option for you to meet your unanticipated cash requirements, not to mention come with many advantages. Borrow only what you need. We specialise in providing flexible personal loans that can fit in with your current circumstances.

Apply for a personal loan

Borrowing is made easy with our 3-Step-Process!

01. Online application

02. Send us your supporting documents

03. Processing and loan decision

Personal Loans NZ


Loanwise is a financial service provider that our customers can trust. As a responsible lender, we offer low interest rates and transparent fees on our personal loans. You will never find yourself paying hidden fees and charges. We provide the details of all fees and charges on our costs of borrowing page. 


To pre-qualify, you need to meet the below criteria:

– You need to be at least 18 years old and a NZ citizen or resident currently living in New Zealand;

– You need to have been permanently employed with the same employer for at least 3 months and you need to be earning at least $350 a week (after tax) excluding government benefits;

– Your pay needs to be credited on a regular basis into your own NZ bank account that has been open for at least 3 months;

– You are not currently Bankrupt, under a No Asset Procedure or Summary Instalment Order;

– You have access to the Internet and a mobile phone.

Please note this is a guide only – in certain circumstances we may not be able to offer you a loan.


Personal Loans Lending Support


Our friendly Customer Service team is happy to help you! Contact us if you have any questions, you can either use the online chat or call us on 0800 227 484. Our business hours are 8.30am to 5.30pm, Monday to Friday.

A Lender you can trust

When you have debts to handle, get a personal loan from Loanwise for a stress-free life. We provide an excellent borrowing experience to New Zealanders who recommend our services.