Personal loans

WHY WORK WITH US?

At Good Money, we keep personal loans straightforward, honest, and tailored to you.

A personal loan can open the door to the things that matter most — whether that's a home renovation, a new car, consolidating debt, or covering an unexpected expense. But navigating lenders, rates, and fine print on your own can feel like hard work. That's where we come in.

Our friendly advisers take the stress out of the process, walking you through your options and clearly matching you with a loan that suits your situation. We do the legwork, so you don't have to.

Book a free consultation

PERSONAL LOAN SERVICES

Debt Consolidation Loan

Home Improvement Loan

Vehicle Finance Loan

Medical & Dental Loan

Travel & Holiday Loan

Emergency Personal Loan

Unsecured Personal Loan

WHAT OUR CLIENTS SAY

Don’t just take our word for it—hear how others reached their financial goals.

"We recently worked with Ed Carvell to secure our first investment property, and the experience couldn’t have been better.
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Ed guided us every step of the way, making what can be a complex process feel straightforward and manageable.

We always felt informed and supported from start to finish. We’d highly recommend Ed to anyone looking to get into property or grow their portfolio."
Tony & Lauren, Investment Property.
“I wanted to take a moment to sincerely thank you for the outstanding support and guidance you provided throughout our first home-buying journey.

Buying a house can often feel overwhelming, but your professionalism, patience, and clear communication made the entire process smooth and stress-free for us.

We are extremely grateful for everything you have done and would highly recommend your services to anyone looking for a reliable and knowledgeable financial advisor.”
Senaka & Tharushi, First Home Buyer.
Thank you so much for your consistent support throughout this journey. Seemab and I truly appreciate the guidance and assistance you’ve provided in
helping us secure our investment property.
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We are very pleased with the service from the entire Good Money team, it was smooth, professional, and reassuring at every step.

We will definitely recommend
your services to our friends, family, and colleagues.
Abdul & Seemab, Investment Property.
“Thanks Jonny really appreciate you and your team all the hard work thank you.”
Michael, Financial Advice.
“Thank you for all of your support".
Noloysio, New Property.

WHY WORK WITH GOOD MONEY?

WE FIND THE BEST PERSONAL LOAN FOR YOU

Unlike a single bank, our independent personal loan brokers compare multiple lenders and loan options, securing you the lowest interest rate, best repayment terms, and the flexibility to fit your financial goals.

EXPERT GUIDANCE, NO GUESSWORK

Not sure if you need a secured or unsecured personal loan? Our personal finance consultants explain your options and walk you through features, from a fast personal loan to a low interest personal loan, even specialist solutions like debt consolidation loans or vehicle finance.

QUICK AND HASSLE-FREE PROCESS

Ready for your personal loan approval? We handle the whole application, from comparing rates to finalising your documents, saving you time and paperwork.

INDEPENDENT, UNBIASED ADVICE

We're not tied to any lender. Our only goal is to get you the best deal and match, whether you're seeking a flexible personal loan or need a personal loan with bad credit.

LOAN & INTEREST CALCULATORS

Plan smart and see where you stand before you apply.

Use our mortgage loan repayment calculator to see how loan term, amount, and interest rates affect your budget.

Thinking about an interest-only loan? Our calculator shows your repayments during the interest-only period and what they'll look like once full repayments kick in.

Use our calculators
Loan repayments
Interest only repayments

MORTGAGE LOAN REPAYMENT CALCULATOR

This calculator provides an estimate only.
Your actual repayments may vary based on:

  • Fees and charges.
  • Interest rate changes
  • Repayment frequency (weekly, fortnightly, monthly).
  • Additional repayments or lump sum payments.

Your monthly repayment will be:

$12,345

Interest Only Repayment Calculator

PERSONAL LOANS FAQS

Got questions about personal loans? Here are answers to common questions we hear from Kiwis.

What's the difference between a secured and unsecured personal loan?

A secured personal loan requires an asset, which lowers the rate but carries repossession risk. An unsecured personal loan is based on your income/credit and generally has a higher rate, but no security required.

How much can I borrow for a personal loan in NZ?

Personal loan amounts in New Zealand range from $1,000 to $60,000 or more, depending on your situation and which lender or personal loan broker you use.

What do I need to qualify for a personal loan?

You must be at least 18, a New Zealand citizen or resident, have regular income, a reasonable credit record, and provide ID and payslips or bank statements.

How fast can I get a personal loan approved?

With the best personal loan brokers and fast personal loan lenders, approval is often possible on the same day or next day for straightforward or emergency loans.

Can I get a personal loan with bad credit?

Some providers and brokers offer specialist bad credit personal loans, but the rate may be higher and the amount may be lower than with a strong credit score.

Is it better to use a personal loan broker or go direct to the bank?

Personal loan brokers and advisors compare a full range of New Zealand lenders and options, so they can often get you a better rate, more flexible terms, and higher approval odds.

What is a debt consolidation loan?

A debt consolidation loan combines multiple debts into one, potentially saving on interest and making repayments simpler.

What are the main uses for a personal loan in NZ?

Kiwis most often use personal loans for debt consolidation, car finance, home improvement, medical/dental costs, weddings, holidays, or covering emergencies.

Are there penalties for repaying a personal loan early?

Many NZ lenders and brokers offer flexible, penalty-free extra repayments, but check your contract, as some banks do charge early repayment fees.

How do I compare the best personal loans in NZ?

Compare rates, fees, features, approval times, and flexibility, or let a personal loan broker or advisor do it for you.

READY TO GET STARTED?

Our personal loan experts in Christchurch and across NZ are here to help you find the right loan solution.

Book a free consultation