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Lending people
 
possibilities
freedom

Personal Loans, Vehicle Finance, and Debt Consolidation.

Excellent - Based on 2378 reviews

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We make lending a breeze.

ESTIMATE YOUR REPAYMENTS

Simple
100% Online

Borrow up to $30,000 and enjoy a stress-free personal loan experience that suits your needs.

Find out more

Fairer
Clearer

$174 Establishment Fee.
$0 Monthly Fee.
$0 Early Repayment Fee.

View all fees

One-stop
Shop

If we can't approve your application, we can seek other options from a panel of trusted lenders.

How does this work?

We make lending a breeze.

Our online platform enables you to get a personalised rate in moments, breeze through your application in minutes, and enjoy your funds as soon as today¹.

  • Borrow from $3,000 to $30,000 unsecured
  • Repay your loan over 1, 2, 3, 4, or 5 years
  • Weekly, fortnightly, or monthly repayments
  • Personalised interest rates fixed for the term of the loan

Fairer, clearer fees.

  • $174 Establishment Fee
  • $0 Monthly Fee
  • $0 Early Repayment Fee

Penalty fees for missed payments:

  • Up to $120 Default Fee payable at 31 days overdue
  • Up to $120 Default Fee payable at 61 days overdue
  • Additional interest at the contract interest rate is charged on the amount in arrears

Boost your likelihood of approval.

If we can't approve your loan, our dedicated team can help secure offers from a range of other trusted lenders, including:

  • Avanti Finance
  • Finance Now
  • Latitude Financial Services
  • MTF Finance
  • Nectar
  • Unity Credit Union

We have assisted customers in securing over $400 million in personal loans this way.

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One simple payment

Debt Consolidation

Bring Life™ to simplicity by consolidating debt from $3,000 to $30,000.

Combine multiple loans and credit cards into a single loan with one easy payment.

Learn more
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100% online

Personal Loans

Bring Life™ to possibilities with a personal loan from $3,000 to $30,000

Enjoy a stress-free personal loan experience that suits your needs.

Learn more
Couple standing next to new car
Unsecured

Vehicle Finance

Bring Life™ to freedom with a car loan from $3,000 to $30,000

Go shopping for your new vehicle as a cash buyer, with an unsecured car loan.

Learn more
Woman looking into distance
One simple payment

Debt Consolidation

Bring Life™ to simplicity by consolidating debt from $3,000 to $30,000.

Combine multiple loans and credit cards into a single loan with one easy payment.

Learn more
Man smiling looking into distance
100% online

Personal Loans

Bring Life™ to possibilities with a personal loan from $3,000 to $30,000

Enjoy a stress-free personal loan experience that suits your needs.

Learn more

Loan Repayment Calculator

$10000|

$3000

$30,000

FOR HOW LONG

5 years

1 year

5 years

ESTIMATED REPAYMENTS FROM

$0/wk

$0 total

$0/mth

$0 total

Calculated at an example rate of 14.95% p.a.² Not an offer of finance.APPLY NOW

We have helped finance over $400 million in loans.

  • Fixed interest rates
  • Smart, secure technology
  • Same-day funding¹
Trustpilot review stars

Excellent - Based on 2378 reviews

Excellent service

Excellent service and communication. Such an easy and efficient process

Alex, NZ

Dec 19, 2023

Awesome service

Very easy service and quick response time.

Iain B, NZ

Jan 11, 2024

Transparent

The process was so simple and fast. The whole process and loan disbursement was in less than 24 hours. The customer service was great. High level of transparency.

Kavin, NZ

Dec 7, 2023

Seamless

The process was seamless and the dedicated advisors was an absolute god send.

Tyrese A, NZ

Jan 17, 2024

Such a positive experience

Simple online platform. Easy to navigate. Staff interaction and communication is excellent.

Justine, NZ

Jan 22, 2024

Excellent service

Excellent service and communication. Such an easy and efficient process

Alex, NZ

Dec 19, 2023

Awesome service

Very easy service and quick response time.

Iain B, NZ

Jan 11, 2024

Promotion gran prix getaway

WIN a Grand Prix Getaway

We are giving away an Australian Grand Prix prize package for two worth $10,000.

To be into win, simply take out a loan before 5pm Thursday 29th February 2024. Terms and conditions apply.

APPLY NOW

It pays to
compare.

Already have a personal loan? Don't miss out on potential savings! Use our platform to see if we can offer you a lower rate on your existing loan. It's a simple, smart move that could save you money.

CHECK YOUR RATE
  • Loan Types
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  • Debt Consolidation Loans
  • Vehicle Finance
  • Important Information
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  • Verifying Your Income
  • Disclosure Statement

¹If you sign your loan contracts before 3:00 pm on a weekday, you will receive the funds on the same day. While bank processing times differ, funds usually show up in your account by early evening.

²Annual Interest Rate (AIR) and Annual Percentage Rate (APR): Unsecured interest rates range from 13.90% p.a. to 23.90% p.a.

³Minimum and Maximum Repayment Terms: Repayment terms range from 1 year to 5 years.

⁴Fees: Where Lending People is the creditor, we charge a $174 establishment fee. Lending People does not charge a monthly fee or early repayment fee. Where another provider is the creditor, provider-specific establishment fees, monthly fees, and early repayment fees may apply.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & Conditions. All approvals are subject to credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your circumstances, the type of lending required, and the security (if any) provided. Fees, terms, and conditions apply.

Representative Example of the Total Cost of a Loan: If you borrow $10,000 over a repayment term of 36 months at an AIR of 14.95% p.a., your total repayments will be $12,631.60 (made up of $10,000 principal, a $174 establishment fee, and interest charges of $2,457.60). This example is based on amortised scheduled weekly repayments with a fixed interest rate for the term of the loan.

© The Lending People Limited Trading as Lending People (FSP240365) holds a license issued by the Financial Markets Authority (FMA) to provide financial advice services. Click here to view our Disclosure Statement.