Unsecured loans NZ – fast cash, zero collateral
Need cash fast without collateral? Our unsecured loans pay out the same day—perfect for bills, travel, or any urgent expense.
Why choose an unsecured loan with Real Finance?
60-minute conditional approval
5-minute form, quick credit check, decision fast.
Loan amount & term matched to you
Borrow $1,000 – $10,000 over 2–12 months
Fixed interest rate
9.95% – 39.95% p.a.; repayments never change.
100% online
Upload docs and E-Sign on your phone or laptop.
No asset at risk
Keep your car, boat or household goods free of any security.
Extra payments welcome
Pay off early any time; only a flat $12 closure fee on full settlement.
What can an unsecured personal loan cover?
- Unexpected bills or medical expenses
- Travel, weddings, funerals or celebrations
- Small debt consolidation to tidy up high-interest cards
- Home tech, appliances or quick car fixes
- Literally anything legal you need cash for
Quick eligibility checklist
- 18 + NZ resident with valid driver licence or passport
- Regular income – wages, salary or self-employed earnings
- Three months’ bank statements (PDF/CSV)
- Credit history that shows you can meet the agreed loan repayments
How much will it cost?
Use our calculator—enter amount and term to see repayments up-front. Tweak the term to suit, and pay extra anytime to cut interest.
Available loan amount
From $1,000 to $10,000
Terms
1 – 24 months
Repayments
Starting from $35 per week
Security options
Unsecured with good credit history.
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.
Unsecured loans NZ – easy as 1, 2, 3
1. Application
Fill in our 5-minute loan application form, or call 0800 21 21 21 to talk to our friendly team.
2. Review
We’ll review your loan application within 60 minutes to make sure your loan is fit for purpose and affordable for you. We’ll also review your credit score and financial situation as part of the process.
3. Payout
Once your loan amount is approved, we document your application, explain the terms, sign you up and pay out your funds—so you can get your fast cash without delay.
“I was starting again and didn’t possess much in the way of security for a loan. My credit was ok, so Real Finance agreed that I could borrow some money to help pick myself up. I am proud to say I am doing much better now and I’d like to thank Real Finance for considering me with compassion and honesty when I needed help.”
Frequently asked questions
Is my credit score the only thing that matters?
Credit history is key, but we also look at income stability and overall affordability. Good repayment history makes approval easier.
Can I consolidate small debts?
Yes—many customers roll two or three small balances into one easy payment.
Do extra payments reduce interest?
Absolutely. Any extra goes straight to the principal, cutting interest and shortening the term.
What if my situation changes mid-loan?
Contact us early. We can restructure repayment terms or pause payments under hardship rules.
Will applying hurt my credit score?
A single enquiry has minimal impact; multiple applications with other lenders in a short time may lower your score.
We’re here to help
Have more questions about collateral-free loans, credit-score requirements, or repayment terms? Contact our team for personalised support.
Ready to apply?
Click Apply Now or call 0800 21 21 21. Real Finance will get your unsecured loan approved—fast, fair and fully online.
