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[Accessed July 3, 2019]

Interest.co.za - We compare you save

Finding the perfect loan can be very tricky, there are so many options and things to consider before applying. The first thing you need to decide is why you need the loan and what the money will be used for.

Your credit report will determine how easily your loan application will be accepted. If you have a very bad credit score you may only qualify for a bad credit loan and this means your loan could end up costing you more. If you have a good credit record you may qualify for a lower interest rate and better loan terms.

How your credit score affects your loan application

If you your credit score is very low due to missed payments, or bad past financial decisions the rate that lenders will offer you will reflect the fact that they find your application risky. The more risk the lender needs to take, the higher your interest rate will be. Even if you have a bad credit score you can still apply for a bad credit loan these loans were specifically designed for those with a bad credit score and aim to help those in their time of need.

Debt consolidation loans

Debt consolidation loans were designed for those that have a bad credit score and have debt at multiple lenders. The lender will pay off your existing debt then grant you a loan for that amount. This will save you money on late fees and help you gain control of your finances. Another option for those that have debt at multiple lenders is to apply for a 0% interest balance transfer credit card and transfer your debt to spread it out and give you a bit of financial breathing room.

Interest.co.nz Services

No matter what kind of loan you need we will be able to find you the solution that you are looking for very quickly and easily.

Apply online by completing one application form fact we will apply to the leading lenders on your behalf and send you the options so that you can make an informed decision.

How the process works

Each of the lenders in our network is categorized by the financial service that they provide, each lender has information about their company and what products and services they provide. You can choose to apply to a particular lender by linking to their page or you can apply to multiple lenders at the same time through our service to give you loan application the best chance of being approved.

The process can be completed online in a few minutes, simply complete the application form and supply the relevant supporting documents depending on which loan you are applying for. If you meet the minimum lending criteria you will be given an outcome and once you have agreed to and signed the loan agreement then the money will be transferred into your account.

Repaying your loan

The best way to repay your loan is to set up a direct debit that will run automatically on an agreed upon date that aligns with your pay frequency. By doing this you are less likely to miss a payment and will save money on late fees and penalty charges.

Interest.co.nz – Loan comparison

  • Loan Type Loan comparison

Benefits of Interest.co.nz

  • No hidden charges
  • Quick loan comparison
  • Easy loan application

Loan comparison calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Interest.co.za - Helpful hint against scams and fraud

More and more people are becoming victims of fraud and having their hard earned cash stolen from them. The more security we put in place the sneakier the criminals need to become and the harder it gets for everyday clients to protect themselves.

There are many different ways that you can become a victim of fraud via the internet, over the telephone or even in person. It is very important to be able to protect yourself and make sure that you are dealing with the real company and not someone that is trying to defraud you.

Keeping yourself safe on the internet

Beware of phishing e-mails these e-mails have the ability to look like they are from an official source and may even pass basic checks because criminals cover their tracks. They usually require you to click on a link embedded in the e-mail and update your personal information.

Once you click on the link it activated the malicious software and your personal information is stolen to be used for fraudulent purposes. Never click on a link inside an e-mail instead go to the official website and check the lock icon to make sure that the site is secured.

Be careful what details you post online scammers are always looking for ways to trick you into thinking they are the real deal and they will try to deceive you by giving you your own information so that they appear legitimate. The more details of your life you post online the more easily you could end up a victim of a scam.

Other traps to look out for

Make sure to check all the details of any e-mails that you send and don’t reply to the same e-mail instead google the website and make sure everything is legitimate. Other things to look out for include:

  • If you have won a prize, you will never be asked to pay money in order to collect your prize
  • Look out for bad spelling and grammar as this can often indicate fraud

Customer Reviews & Testimonials

Finding the correct loan for your situation can be a daunting process, I know that it was for me. This is why I was relieved when I came across Interest.co.nz. I sent the email and they got strai...

Donald B
— Queenstown —

Even with a less than satisfactory credit record, I was still able to get the assistance that I needed to find the perfect loan match for my situation. Interest.co.nz helped me to assess my situa...

Angela M
— Christchurch —

Their applications are easy, online and efficient. You can get the response that you need in no time. I sat with my laptop and a cup of coffee during my lunch break and received a response within...

Leon J
— Auckland —

Interest.co.nz Contact

Contact Number



Physical Address

Postal Address

  • PO Box 47-756, Ponsonby, Auckland, 1011, New Zealand

Opening Hours

  • Monday Open – 24 hours
  • Tuesday Open – 24 hours
  • Wednesday Open – 24 hours
  • Thursday Open – 24 hours
  • Friday Open – 24 hours
  • Saturday Open – 24 hours
  • Sunday Open – 24 hours