Personal Loans
You might want to go on holiday, buy new furniture, pay for a course or medical expenses, or even plan your wedding. A personal loan may be a good way to get the extra funds you need.
One of the key questions you need to ask yourself before you take out a personal loan is whether you'll go secured or unsecured. Even though you could probably get more money and a lower interest rate with a secured loan, you need to weigh up the risk of having an asset as security.
We will talk you through the options and, based on your financial situation and needs, recommend competitive loan options for you. We can help you find out how much you can borrow and understand your repayments.
生活中总有一些时刻，您可能需要额外的资金来实现梦想，无论是度假旅行、购买心仪家具、支付教育课程费用，还是筹备一场梦幻婚礼。个人贷款，为您提供实现这些愿望的财务支持。
在申请个人贷款前，一个关键决策是选择抵押贷款还是无抵押贷款。每种选择都有其优势和考量。抵押贷款通常能提供更高额度和更低利率，但需要您提供资产作为担保，存在一定的风险。无抵押贷款无需提供担保，但利率可能相对较高，适合不需要大额资金或不愿承担抵押风险的客户。作为您的财务顾问，我们将根据您的财务状况和具体需求，为您详细讲解各种贷款选项，并推荐具有竞争力的贷款方案。我们会帮助您了解，根据您的信用状况和收入水平，评估您可以借到的最大金额，以及为您制定合理的还款计划，确保贷款不会给您的日常生活带来负担。
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Secured loans
Secured loans generally offer lower interest rates than unsecured loans, but you must put up something for collateral, like your house, your car or your boat. If you don't pay off the loan, you can lose that collateral, so make sure you know all the conditions before you choose a secured loan.
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Unsecured loans
Unsecured loans are commonly known as 'signature' loans – the lender will approve the funds with just your signature, but you might end up paying higher interest for the privilege.
We compare and negotiate competitive interest rates.
We have access to NZ's widest panel of banks and lenders.
We can help you tap into your KiwiSaver.
We're the largest group of Mortgage Advisers in New Zealand.
How much could my personal loan repayments be?
Use this calculator to find out how much your repayments might be.
Got a question?
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