How We Determine Your Loan Repayments
Fair Loans That Celebrate Your Good Credit
TrueMatch
Fair Loans That Celebrate Your Good Credit
We pride ourselves on being New Zealand’s most-loved personal lender – with over 3,000 five-star reviews. We believe in fairer loans that reward your financial responsibility. So, our smart, technology-driven system means you get a personally tailored loan that’s fast, easy, and designed to bring your big ideas to life.
We use a new system we call TrueMatch which gives you the best possible interest rate and repayments for your loan. Our rates range from 19.95% to 49.95% – so you’ll never need to pay more than you should. So, your rate is based on your unique credit story – things like your history of timely repayments and positive financial habits. If you’ve built a strong credit score, you could unlock lower rates, saving you money and rewarding your efforts. For those working to improve their credit, we’re here to help you take steps toward better rates in the future.
Unlike traditional lenders with one-size-fits-all rates, we tailor your loan to fit ‘you’. Our approach is about opportunity, not judgment – empowering you to achieve your goals.
A Simple, Transparent Process
We know financial terms can feel overwhelming, so we’ve made understanding your loan straightforward. Here’s how it works:
Your Credit Score Matters
We review your credit history, including positive behaviours such as on-time payments, to determine your rate. Our scorecard is designed to celebrate your strengths and give you recognition for your good habits.
Technology Makes It Seamless
Our advanced technology analyses your information instantly and efficiently, ensuring a smooth, hassle-free experience.
Only What You Can Afford
We only lend what we believe you can comfortably repay, prioritising your financial well-being above all else.
Fast, Easy, and Made For You
Getting started is simple and puts you in the driver’s seat:
1. Repayments Estimate
Check to see if you think you can afford a loan with us.
2. Easy Online Application
Our loan application feels like a conversation, not a test. Apply in minutes from anywhere, anytime.
3. Cash in hours, not days
Access your funds in just a few hours and start using them.
A Brighter Financial Future
We’re not just about loans – we’re about helping you unlock your full potential. If your credit isn’t where you want it to be, we’ll provide clear tips on how to improve your score and access better rates down the road. Every on-time payment you make with us is a step toward a stronger financial future, and we’re here to cheer you on.
Ready to get going? Get your instant, no-obligation estimate now and discover how we can help you achieve your dreams with a loan that rewards you.
Our standard annual interest rates are 19.95% - 49.95%, with an establishment fee of $240 and a monthly account fee of $4. Normal lending criteria and responsible lending enquiries apply.