Rating based on 20 reviews

Gilrose Finance

Updated June 28, 2022

Personal loans up to $20,000
Low-interest starting from 18.75%
Repayment up to 4 years

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Author Gilrose Finance. Screenshot of Gilrose Finance website.
[Accessed November 5, 2018]

Gilrose Finance - Quick personal loans

We are a privately owned and operated company in New Zealand. Gilrose Finance was born in 1992 when it was realised that there was a need for specialised consumer finance for the clienteles of retail stores all through New Zealand.

We noticed that there was a lack of fixed-term contracts which would allow customers to simply pay off their personal loans for goods purchased. Since we are a privately owned organisation we are not publicly funded and that should give you the assurance that we will most definitely be around when you need us.

High approval rates

We welcome a close working affiliation with both consumers and retailers and in response to their requirements Gilrose Finance has developed a leading edge technology that has improved our process for their benefit.

Our online loan application process is fast and well-organized, our approval rates are high and our turnaround is quick. Customers and sales staff appreciate the straightforward and speediness of our system and the flexibility to apply changes when necessary.

You can have financial freedom

When applying for a long or short-term loan personal choice is paramount and we believe that we allow you that freedom. Should you be a customer in need of financing a purchase or a retailer offering finance, it’s quite simply that Gilrose is the obvious choice.

We are the number 1 finance provider to The New Zealand Retailers Association as well as The Jewellers and Watchmakers Association of New Zealand Inc.

Gilrose Finance Services

Should you be in need of funds for a nice holiday, new appliances, or a new car, a medical procedure, home improvements, car or boat repairs, the latest gadgets or perhaps money towards a special event Gilrose Finance can help you get it.

We off secured or unsecured personal loans with zero interest for 3 months, our personal loans offer some of the lowest fees and rates in New Zealand; we also do not charge you extra fees for early payment.

Gilrose Finance is aware that every loan application differs - we do not have an automated system and your application is reviewed by professionally trained a staff who works out of our office in Auckland.

If you prefer a personal loan you can 'top up' when needed

If you have the desire to top up your quick cash loan every now and then, well with Gilrose you can. Once you’ve signed up with Top-up Loan account you are then able to top up your loan with a little extra cash at any time you need to do so.

Gilrose personal loan and a Gilrose top-up loan

A personal loan comes with a set term and set payments but once the personal loan has been settled in full, you would have to reapply if you want another.

With our top up Loan, you only need to apply once, you’ll be given a limit, and you can then draw down multiple times within your limit. This is great because you can apply for a loan to settle the outstanding amount and then top up again as and when you need the extra cash. Once the application has been signed you can top up via a quick e-mail.

Gilrose Finance – Personal loan

Loan Type Personal loans
Interest Rate 18.75 – 19.95% p/a
Loan Amount up to $20,000
Repayment 6 months to 4 years

Benefits of Gilrose Finance

Prompt responses
Money transferred in your account
Simple loan application

Personal loan calculator

Gilrose Finance

Has the time come for that well-deserved break? We would love to assist you and your family with your travel plans and get you to your desired destination, sooner.

It doesn’t matter if you’re looking for a quick getaway across the ditch or a trip around the world, you can lower your stress levels, knowing that we are here to assist and that funds can be readily available.

Our personal loans typically have lower monthly repayments than that of a credit card, since the costs are spread over the duration of your loan. Gilrose allows you to settle your loan earlier than anticipated with no extra fees charged. This is to show appreciation and to say thank you – we hope we can be of assistance with your next project.

Home improvement loans

Gilrose Finance will be more than willing to assist you with a home DIY, renovate your home or garden with the use of our instant loan which will assist you in getting what you want, how you want and when you want it.

Should you want to increase the value of your property by making improvements, perhaps you would like to move it makes no difference because you can make your house a home with our multiple options?

Our home loans normally have lower monthly repayments, if you are in a position to settle your home loan earlier no worries because there are no extra costs involved.

To be eligible the below is a necessity

You are to be 18 years of age or older, be employed for at 3 months, be a New Zealand Citizen or permanent resident, you will need to provide your identification document and have a relatively good credit record, proof of your bank account number and perhaps we will require proof of address, proof of income and proof of your expenses. We may also request that your identification and contract be witnessed.

Customer Reviews & Testimonials

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The service I received when I applied for a personal loan was absolutely fantastic!

Te Ao K
— Wellington —

Gilrose Finance offers an uncomplicated online application that is non-time-consuming and very easy to get through. I only needed a few minutes to apply for a personal loan, which was certainly q...

Andrew C
— Napier —

I honestly don’t think I could’ve gotten a better personal loan anywhere else. Not only did I get the money very quickly thanks to Gilrose’s fast turnaround time, but the costs were also low so m...

Beth R
— Gisborne —