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  • Personal loans up to $30,000
  • Low-interest starting from 8.95%
  • Repayment up to 4 years

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Nectar homepage
Author Nectar. Screenshot of Nectar website.
[Accessed June 24, 2022]

About Nectar

Get the cash you need as fast and as affordable as possible when you apply with Nectar.

They deliver a low-cost, smooth, and speedy personal loan service that will give you an immediate outcome after a short 7-minute application process. Apply now and receive the money today.

Choose Nectar

As a responsible innovative lender, they won’t give you a loan you can’t afford and they won’t make you wait for days. Understanding how important time can be when you have an emergency is what makes them such a highly rated lender in New Zealand.

Their prices are affordable due to the world-class technology they make use of to lower costs and speed up results for your convenience.

For them, user-friendliness, transparency, and fairness are key when it comes to online personal loans. That’s why they’ve created a completely digital process that can provide you with tailored results in real-time.

Affordability and customer satisfaction

They don’t assess your finances like traditional banks. They make use of a variety of information to get a full picture and make a well-informed decision to give you exactly the right loan amount and price.

So, you can rest assured that they will go the extra mile to give you the best possible loan for your profile. As a highly customer-focused lender, you can apply on their 24/7 platform at any time from anywhere on your mobile phone without any paperwork or hassles.

It is important to note that they only process loans from Monday to Friday between 09:00 am and 06:00 pm, so if you apply outside of these times you can expect to receive your funds on the following day.

Nectar Services

Access the funds you need with an affordable personal loan from Nectar.

They are a reputable company with years of experience in the lending industry. Kiwis have been relying on them for their affordability and speed.

Flexible & affordable Personal loans

With interest rates from only 8.95%p.a. you can get a great personal loan deal while only paying a small once-off establishment fee and an admin fee per repayment. You can easily access up to $30,000 and top it up after 16 weeks of repaying.

If you qualify to top up your loan, they might reward you with a lower interest rate depending on how you did on your repayments. If you do this you will also have the option to decrease or increase your loan term.

The normal loan terms are between 6 months and 4 years. In addition to all these benefits, they will also allow you to make early repayments without charging you anything extra.

Personal loans up to $30,000

Their loans are unsecured, meaning that you won’t have to provide any collateral to secure a personal loan. You will also enjoy a fixed interest rate for the term of your loan and your loan can be used for whatever you need it for, whether it is to fix a freezer, buy a truck, get married, or go on a holiday.

A lender you can trust

They work with large and reputable names like Amazon Web Services, Force.com and Credit Sense to ensure your details are kept safe and secure. When you apply, they will only view your bank statements without storing or having access to your encrypted banking details.

Nectar – Personal loan

  • Loan Type Personal loans
  • Interest Rate 8.9529.95% p/a
  • Loan Amount up to $30,000
  • Repayment 6 months to 4 years

Benefits of Nectar

  • Quick loan approvals
  • 100% online loans
  • A fast and easy loan application

Personal loan 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.

Get a personal loan with Nectar today.

Applying will take you 7 minutes or less and you can choose exactly how much you want to borrow over what term by using their online sliders.

To apply, you’ll need:

  • To be a permanent resident of NZ or a citizen.
  • Not be younger than 18.
  • Not earning less than $350 per week after tax.
  • To confirm your income and expenses you must have an NZ bank account with internet banking or be able to supply bank statements for the most recent 6 months.
  • Confirmation of your employment status (not self-employed), where you live, and your identity.
  • No defaults or previous bankruptcy.
  • Be able to provide an NZ driver’s license/NZ passport.

Apply in just 3 steps:

Step 1:

Provide them with your financial and personal information by filling in their online form. 

Step 2:

Your loan will instantly be approved or declined.

Step 3:

If approved you can accept if you are happy with their quote so that they can transfer the funds to your account, usually on the same day.

Loan deals as sweet as Nectar 

Many kiwis turn to Nectar daily for their accessibility, affordability, and high value-for-money personal loans. If you require a loan, you should too. They are a team of experts that works hard to present you with the very best deals in the country, so apply now to find out what you could qualify for. 

Personal loan benefits at Nectar 

  • 100% online application process.
  • Fast and reliable.
  • Early repayments at no additional charge.
  • Competitive rates and fees.
  • Personalised loans for your budget.

Customer Reviews & Testimonials

February 2022

They assisted me with exactly what I wanted. I’m definitely giving them a high rating for their excellent service.

Harris E
— Wellington —

March 2022

I was so astonished to see what a great deal they offered me. So cheap, fast, and transparent. Love this company.

Walker S
— Napier —

March 2022

They are super-fast and well-organised with everything they do. I am very pleased with their application process and will definitely make use of them again in the future.

Scott E
— Christchurch —

Nectar Contact

Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed