Get up to $100,000 in less than 60 seconds!

Fast funds, zero fuss

Fast, flexible personal loans with competitive rates. Apply in 3 minutes, get a decision in 60 seconds, receive funds same day. Trusted by thousands since 1995.

30 Years in Business

What would it cost?

Understanding the exact cost of a personal loan is crucial. Use our easy-to-use calculator that provides you with an accurate estimate, taking into account all fees typically involved. We believe in transparency, so you can make informed decisions about your finances.

$

You can apply to borrow $2000 - $100000

Interest rate 13.95% (comparison rate 13.95%)

Your repayment estimate

$0.00

Weekly repayment

Total Interest:$0.00
Total Fees:$519.00
• Admin Fees ($9/month):$324.00
• Establishment Fee:$195.00
Term Range:1 Month - 7 Years
Interest Rate Range:9.95% - 22.95%

Estimate includes establishment fee of $195.00

Get a quote

Won't affect your credit score.

*This is an example of a common loan request and gives you an indication of what the monthly loan repayments will be. Your establishment fee may be different depending on the security used, complexity and the time taken to process your application. You may also optionally take payment protection insurance which would increase your total cost.

Trusted by thousands since 1995

4.7 out of 5• 329 reviews onTrustpilot

"They approved my loan when others didn't. Really helped consolidate everything into one payment!"

Ana

"Professional, understanding staff. Fast and very efficient service."

Lynda

"Easy, quick, amiable & dependable. Been using them for years."

David

"Excellent support. Money was deposited quickly. Really great experience!"

WS

"Helped me celebrate my big day without financial stress."

Tuaine

"Very easy to deal with, flexible and highly reliable."

Malcolm

"Very good connection, fast services. Definitely coming back!"

Alexander

"Everything was simple. Great understanding from the team."

Peter

"They approved my loan when others didn't. Really helped consolidate everything into one payment!"

Ana

"Professional, understanding staff. Fast and very efficient service."

Lynda

"Easy, quick, amiable & dependable. Been using them for years."

David

"Excellent support. Money was deposited quickly. Really great experience!"

WS

"Helped me celebrate my big day without financial stress."

Tuaine

"Very easy to deal with, flexible and highly reliable."

Malcolm

"Very good connection, fast services. Definitely coming back!"

Alexander

"Everything was simple. Great understanding from the team."

Peter

"They approved my loan when others didn't. Really helped consolidate everything into one payment!"

Ana

"Professional, understanding staff. Fast and very efficient service."

Lynda

"Easy, quick, amiable & dependable. Been using them for years."

David

"Excellent support. Money was deposited quickly. Really great experience!"

WS

"Helped me celebrate my big day without financial stress."

Tuaine

"Very easy to deal with, flexible and highly reliable."

Malcolm

"Very good connection, fast services. Definitely coming back!"

Alexander

"Everything was simple. Great understanding from the team."

Peter

What people say about us

We've been helping kiwis for over 27 years

Rates, fees and features

Rather than having set fees & interest rates we prefer to work with ranges as not every application is the same.

Establishment Fee Range
$195.00 - $375.00

* Complex loans may have a higher establishment fee

Interest Rate Range
9.95% - 22.95%
Loan Limits
$2,000.00 - $100,000.00
Loan Terms
1 Month - 7 Years
Mobile app available on IOS and Android
Mobile app access
Repay whenever you like
No early repayment fee!
Rates that won't change across your term
Fixed rates
Flexible Payment Options
You can pay Weekly, Fortnightly or Monthly.
Regular Statements
Statements are sent every 6 months.

Questions?
We have answers

Get answers to our most common questions.

Ready to get a loan decision in 60 seconds?

Join thousands of New Zealanders who have trusted Pioneer Finance since 1995. Fast approval, competitive rates, and repayments you can afford.

No impact on your credit score • 100% secure application • Decision in under 60 seconds

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