Loan Range
Looking for online loans that are fast, simple, and designed to fit your needs? Whether you need a personal loan, car loan, or cash loan, Real Finance offers a full range of NZ loans to help you achieve your financial goals.

Flexible NZ loans for every financial situation
At Real Finance, we know that every financial situation is unique. That’s why we provide a variety of loan options to suit your needs—whether it’s a holiday loan for your dream getaway, a car loan to get you on the road, or a quick loan to handle unexpected expenses. Our online process is simple, transparent, and built around financial freedom.
Loan types we offer
Explore our range of NZ loans, designed to give you fast access to the funds you need:
Personal Loans: Flexible solutions for any personal expense—from medical bills to home improvements.
Car loans: Buy your dream car or refinance an existing vehicle.
Holiday loans: Make your travel plans a reality with ease.
Cash loans: Quick access to cash when you need it most.
Debt consolidation loans: Simplify your finances by merging multiple debts into one easy payment.
Unsecured loans: Borrow without needing collateral—great for smaller loan amounts.
Each loan type comes with flexible repayment options and a simple loan contract that outlines everything clearly.
Why choose Real Finance?
We are committed to responsible lending and tailor every loan to match your financial situation. We review your credit history and credit score as part of our process to ensure your loan is affordable and sustainable. Our team is here to guide you at every step, from application to payout.
Whether you need a fast loan for an emergency or are planning ahead, our digital process means you can apply online and get a decision quickly. We aim to make access to finance as easy and stress-free as possible.
Vehicle finance – fast, flexible, and tailored to you
Whether you’re buying a new car, upgrading, or unlocking value from a vehicle you already own, Real Finance has a fast, flexible solution to get you moving.
Shop with Confidence
We offer pre-approval to help you shop with clarity and confidence. Our streamlined digital process gets you test-driving your dream car faster.
Stay Protected
We don’t just lend responsibly—we support you throughout your journey.
We also offer insurance products to keep you and your vehicle covered, giving you peace of mind from day one.
Ready to Get Started?Our friendly team is ready to help you hit the road!
Personal Loans – Flexible Finance for Every Need
Our personal loans NZ-wide range from $1,000 to $100,000,* with loan terms of up to 36 months depending on your needs and affordability.
This is our most popular loan product, used for everything from holidays, weddings, and funerals to bills, shopping, and more. Whatever your reason, a personal loan from Real Finance is fast, flexible, and tailor-made to suit your unique situation.
Fully Digital Process
With E-Sign available, you can complete everything from your smartphone, tablet, or laptop—fast and hassle-free.
Added Protection
We also offer insurance products to keep you covered.
We’re Here For You
Our team is ready to help you take control of your finances—whatever your plans may be.
Debt consolidation – simplify your finances
Our debt consolidation loans range from $1,000 to $50,000,* with loan terms of up to 36 months depending on your financial situation.
By consolidating your debts into one easy-to-manage loan, you can reduce stress and focus on a single repayment. Whether it’s credit cards, personal loans, or other debts, we can help streamline your finances.
Simple & Fast
With E-Sign available, you can complete everything digitally—no paperwork required.
Expert Support
Our team works closely with you to ensure your consolidation plan fits your budget.
Time to Act?
Let’s simplify your repayments and help you get back on track, faster.
Bridging finance – fast funds when timing matters
A bridging loan from Real Finance is ideal when you need a quick injection of funds to cover a shortfall for a short period—whether you’re waiting on a lump sum or another payment that’s delayed.
We’ve seen this scenario often, and that’s why we’ve committed to bridging the gap with faster lending processes and practical solutions to meet your timing needs.
Get in touch
Talk to us today and let’s bridge the gap together—quickly and smoothly.
Mortgage loans – flexible non-bank options
We believe in transparency: your bank is usually the best place to hold your first mortgage because they offer the lowest interest rates.
A Real Finance mortgage loan typically serves as a second mortgage—useful for renovations, repairs, getting a property sale-ready, or even purchasing something special like a boat, jet-ski, camper, or supporting your business.
Flexible Lending
As a non-bank lender, we aren’t restricted by one institution’s rules. We work with you and other lenders in the industry to help you reach your financial goals.
Ready to get started?
We’re here to help you unlock the next step in your property journey.
Business finance – your small business partner
Our business is your business. Contact us when you’re ready.
Small Business Kickstarter
Got a great idea? Our small business kickstarter loan is all about helping you bring it to life. With loans between $5,000 and $50,000 and repayment terms of up to 36 months, it’s the perfect fit for ambitious entrepreneurs.
Tailored Support
We’ll sit down with you, ask the right questions, and design a financing solution that supports your vision and helps your business grow.
Let’s Work Together
Our business team is ready to help bring your big ideas to life.
How much will it cost?
Wondering what your repayments might look like? Use our loan calculator to estimate your loan amount and see how flexible your repayments can be.
Available loan amount
From $5,000 to $2,000,000*
Terms
2 – 60 months
Repayments
Starting from $199 per week
Security options
Property, vehicles, or other collateral.
Disclaimer
This calculator is intended as a helpful guide for use when comparing loan providers and should only be used as such. It provides results based on the assumptions below and the information you provide.
- The calculated amount is not a quote or offer from Real Finance (or our External Lenders).
- Repayment amounts calculated are based on an indicative annual interest rate of 23.95%, an Establishment fee and a Monthly Administration fee.
- The rate offered to successful applicants will depend on individual circumstances and loan type, including your credit score, affordability and security offered.
- Our current annual interest rates and costs of borrowing can be found here.
- Other fees or charges may apply to your individual loan.
- It assumes you make all your required repayments in full and on time and therefore do not enter default.
For more information or to obtain a finance quote tailored to your individual circumstances, please contact one of our friendly team.
Online loans – easy as 1, 2, 3
1. Application
Fill in our 5-minute form, or call 0800 21 21 21 to talk to our friendly team.
2. Review
We’ll review your application within 60 minutes to make sure your loan is fit for purpose and affordable for you.
3. Payout
Once your loan is approved, we document your application, explain the terms, sign you up and pay out your funds.
“I can’t believe how fast it was to apply, be approved, accept, and then get the funds into my account. A truly seamless experience.”
FAQs
What types of loans can I apply for?

We offer a full range of NZ loans, including personal loans ($1,000–$100,000), car loans, holiday loans, cash loans, debt consolidation loans ($1,000–$50,000), bridging finance, business finance, and second-mortgage loans. Each product comes with flexible terms to suit your needs.
How quickly can I get approved and paid out?

Our goal is to review your online application within 60 minutes. Once approved, funds are typically in your account within another hour—often the same day.
What documents do I need to apply?

You’ll need:
- Valid photo ID – NZ passport, driver’s licence, or firearms licence
- Proof of address – rates notice, tenancy agreement, utility bill
- Proof of income – 90-day bank statement & 2 payslips
- If you’re using collateral, we’ll also need documentation for that asset.
Can I repay my loan early without penalty?

Yes. You’re welcome to make extra repayments or settle your loan early—we don’t penalise you for paying down faster. Early repayment still saves you on interest, though standard early-settlement fees may apply to some products.
What happens if I miss a repayment?

If you miss a payment, we’ll notify you immediately. If default continues for 15 days, we may repossess collateral or pursue a court judgment to recover the balance. To avoid this, please contact us at 0800 21 21 21 as soon as you foresee any difficulty.
What can I borrow for?

Holiday?! Unexpected Bills?! Fix or Buy a Car?! Birthday, Christmas?! Whatever the reason, you’ll be better off with a loan from Real Finance.
How much can I borrow?

Our loans range from $200 ~ $20,000, or up to $2,000,000 through our External Lenders.
How long can I repay a loan over?

We offer terms of between 1 – 36 months (longer through our External Lenders) depending on the type of loan and amount borrowed.
Is there a minimum age to apply?

You need to be at least 18 years of age to apply.
What are my repayment options?

Pay us when you get paid! We accept Weekly, Fortnightly & Monthly (day of month or even end of month) repayments.
How can I make repayments?

Real Finance prefers Direct Debits, but you can pay by cash at our branches, deposit at any BNZ branch nationwide, all Smart ATM Machines, Payclerk Deduction, Automatic Payment or Telephone Banking.
Do I have to be a NZ resident?

Yes, you need to be a permanent resident of NZ.
How is my credit rating decided?

When you apply to borrow money a Lender must carry out a credit check on you. There are three credit bureaus currently in NZ (Equifax, Centrix & Illion) and depending on which Lender uses who (and whether they use the quote system or not), any credit check will result in that company being displayed on your file, along with the date of the application and any other information supplied.
Multiple inquiries in short succession, many different living addresses with the last 3 years, bad debts, insolvency, court judgments, multiple names (aliases), can all negatively effect your credit score.
Comprehensive Credit Reporting (CCR) was introduced into NZ in 2012. CCR, or positive reporting allows for more information to be collected and reported on by credit reporters. In doing so, this creates a more balanced view of an individuals credit history. Type of account, Amount of credit, Status of Account, Credit Provider Details, and 24 months repayment history are all invaluable additions to the reporting system. Real Finance is a provider of, and a recipient of this type of credit data.
Repayment history data like this offers credit providers valuable insights into their customers’ credit behaviour. This information can alert credit providers to hardship or financial difficulty and ensure a customer isn’t further indebted without having sufficient capacity to repay financial commitments. Repayment history also gives consumers the ability to demonstrate they have rehabilitated their credit behaviour following an adverse event; for example, a clear repayment history over a period of up to 24 months after a payment default. This data may then allow the consumer to access quality credit at a more reasonable price without being penalised for a previous adverse event.
It is important to understand and take care of your credit score, and you can do this is a number of ways.
- Pay your debts on time. If you foresee a problem make early contact and reach a mutually agreed outcome, then stick with it.
- Be sure before you apply. When shopping around for finance (or other credit types such as hire purchases), check in advance whether those companies will check your credit or not, and whether it will be a quotation inquiry. Determine its the right fit for you before you apply.
- Be aware that moving address, utilities providers, or phone numbers often, can lead to a decreased credit rating.
- Be aware that multiple inquiries for credit can negatively impact your score, and show potential “credit distress”.
- Fix issues promptly. When you discover a problem, contact the supplier straight away to organise a solution to the problem
Must I have excellent credit?

No you don’t have to have excellent credit, but good credit helps.
What if I have bad credit?

If you have really bad credit, we may ask for you to provide a suitable guarantor or additional security.
What if I am currently in bankruptcy or nap (no asset procedure)?

You must disclose this to us at the time you apply for finance.
Can I repay the loan faster?

Yes! Unlike some companies,we don’t penalise you if you want to make higher repayments, and your full repayment is used to reduce your balance and calculate the interest that should be charged to your account.
Do you charge an early settlement fee?

We charge an early settlement fee on all Loan products except Short Term loans, but paying off quicker still saves you a lot in interest and administration fees (if applicable).
What is security/collateral?

Security (also called collateral) can be certain Household Chattels, Vehicles, Boats, Property etc, so long as it is owned in your name/s and is not on finance elsewhere (or will be paid off by the funds we lend you).
We cannot use essential items such as Washing Machines, Cooking Equipment, Beds, Clothing, Kids Toys etc – unless you are using the loan to buy the item brand new from the store.
What if I don’t repay the loan?

If you miss a loan repayment we’ll notify you straight away. If you stay in default for too long, then we’ll send you a pre-possession notice and after 15 days (if you still have not made contact), we’ll have to repossess any security and sell it to recover the loan’s balance, including the cost of any repossession expenses. If there is still a balance after that or if you did not use security to begin with, then we may take you to Court to obtain a judgment against you, and have your loan repaid via court order.
How can I avoid repossession and/or court?

The best way to avoid this is to simply make your repayments, but if you encounter any issues during the course of your loan, you should contact us on 0800 21 21 21 or via any other contact method outlined in your contract documentation as soon as possible.
What should I do if my details change?

If you change any details you should contact us straight away and provide any new information, along with any new phone numbers or other contact details.
Do you provide short term loans?

We believe we have a moral and ethical responsibility to remove high interest payday lending options from New Zealand. We will only consider “payday lending” to existing Real Finance clients in order to settle or avoid high interest lending elsewhere, or in a true emergency situation.
We’re here to help
Have more questions about our NZ loans, credit checks, or loan options? Contact our team for personalised support.