Easy personal loans NZ – fast, unsecured & instant approval
Looking for an easy personal loan in NZ? Real Finance offers unsecured personal loans from $1,000 to $100,000, with fixed interest rates between 9.95% and 39.95% p.a. plus instant decisions and a simple online process. Whether you need funds for home improvements, medical bills, or a holiday, our instant personal loan options make it easy to get the cash you need—fast.
These are our most popular loan products and can be used for holidays, weddings, funerals, bills, shopping, or any other reason you can think of because whatever the reason is, a personal loan from Real Finance is fast, flexible and tailor made to suit your individual needs.
E-Sign is available on this loan product, so you can do everything needed on your smart-phone, tablet or laptop without lifting more than a finger.
Complimenting insurance products are also available to keep you covered.
Why choose our easy personal loans?
Instant approval
Apply online and hear back within minutes—your instant personal loan decision is just a few clicks away.
Flexible loan amounts
Borrow from $1,000 up to $100,000. Select the right loan amount for your needs.
Unsecured personal loan
Transparent Costs & Fees: Your loan amount, interest rate, and all fees (establishment, PPSR search, valuation, administration) are disclosed upfront.
Credit score friendly
We review your credit score and overall financial situation to find the best fit—even if your score isn’t perfect.
Transparent loan
contract
Clear terms, fixed interest rates, and no hidden fees—so you know exactly what your repayments will be.
Tailored to your needs
Whether you’re looking to consolidate debt into one simple payment, fund a home renovation or holiday, cover unexpected medical or car repairs, smooth cash flow between pay days – our personal loan solutions adapt to your circumstances.
You set the loan amount, and we tailor repayments over terms up to 36 months.
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 $1,000 – $100,000
Terms
2 – 30 months
Repayments
Starting from $35 per week
Security options
Household chattels, Vehicles, Property 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 chose a loan type that I thought was best for me, but Real Finance made it a perfect fit when they set the repayment amount and frequency to suit my particular situation!”
Frequently asked questions
What minimum credit score do I need?
We consider applications from a wide range of credit histories. Your credit score is part of our review, but we look at your full financial picture to approve an unsecured personal loan responsibly.
Can I adjust my loan amount after applying?
Yes—if you need to change your loan amount, just contact our team before signing the contract and we’ll update your offer.
Are there early repayment fees?
No penalties for early settlement—reducing interest by paying off your personal loan early always saves you money.
We’re here to help
Have more questions about our NZ loans, credit checks, or loan options? Visit our FAQ page for detailed answers, or contact our team for personalised support.
Ready for an easy personal loan?
Apply now and get an instant personal loan decision today.
We’re here to help
Have more questions about personal-loan uses, fixed interest rates, or flexible repayment options? Contact our team for personalised support.
