Rating based on 39 reviews


  • Short-term loans up to $20,000
  • Low-interest starting from 9.95%
  • Repayment up to 5 years

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DTR homepage
Author DTR. Screenshot of DTR website.
[Accessed July 3, 2019]

DTR - A reliable financial partner

We have been at the heart of most New Zealand citizens for as long as most of them can remember. We were born before most of them and we still continue delivering an exceptional financial service.

When we opened for business in 1962, we knew we opened in the right country. Everybody received us so pleasantly and this made our operation of offering short-term loans slightly easier. Today, we have more than 23 branches and we just keep moving from strength to strength.

What does DTR do?

DTR is not your everyday financial service provider. We do things a bit differently than most credit providers. Although we offer online loan services to clients who are in financial need, we also sell products that clients can buy on credit. These include furniture, fitness equipment, computers and tablets just to name a few.

Loan options to suit your pocket

Similar to our loan services, clients can decide they want to pay for such products at certain intervals. We have taught a lot of clients that as long as you take something on credit, it is a loan. It doesn’t matter if it is money or furniture, it is still a loan you are due to settle.

Nonetheless, we have ensured that both quick cash loan products have great discounts so it isn’t much you have to pay back. In all that we do at DTR, we always put the customer first. When a client spends less on interests, he will have more money in his pocket to deal with other financial matters.

DTR Services

Clients who are interested in applying for a loan can do so by completing the online form.

It is similar to completing the form manually with a pen short-term only difference is that everything is done electronically now.

How much can I borrow?

A client can be legible for a minimum of $500 and a maximum of $20 000. For a new customer, we can only borrow you $500 on your first application. The reason is because we don’t know your payment patterns and we also don’t want to give you too much money the first time.

As your relation gradually grows with us, we will see how you pay your payments and the money will increase on every occasion you ask for a loan application. Furthermore, DTR offers short-term loans that have to be paid out in a short in. Therefore, if you are looking for something long-term, apply for a long term personal loan.

Flexible terms you can trust

We don’t want you turning your life upside down now that you have taken a short term loan with DTR. It is for the main reason of ensuring that customers can still carry on with their lives that we have made our loan terms to be flexible for the convenience of our clients.

A customer can choose how long he will be paying the loan as long as it is within our stipulated terms. We have made our online loan application to be entirely about the client as opposed to making them take orders from us.

DTR – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 9.9529.95% p/a
  • Loan Amount up to $20,000
  • Repayment 12 months to 5 years

Benefits of DTR

  • Rates are competitive
  • Money transferred soon after approval
  • Application 100% online

Short-term 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.

DTR - Bad credit clients can apply

Clients who have had a bad credit history can apply. Depending on the severity of the bad credit history, we might be able to assist.

As much as we are aware that there is no such thing as “perfect credit”, we are not exactly looking for an extremely bad payer. However, we are willing to look into every bad credit loan application that has been brought to our attention. We will not reject a credit application without checking it first. in urge clients to not doubt their bad credit history and apply nonetheless.

Adhering to the terms and conditions

For every instant loan application that we approve be it a cash or a product loan, there is a contract agreement that needs to be signed by the client. The client has to ensure that he thoroughly reads the terms and conditions and understands what he is mandated to do. Should he not be in full agreement with everything stipulated in black and white, he has a right to query.

Although most of the rules and regulations cannot be altered, exceptions can be made. However, we are aware that some clients have a tendency of trying to act smart and complain about every little detail.

Therefore, the exceptions will depend on the subject matter that is being queried. We have been in this industry long enough to differentiate between real and fake and we are not about to get corned after so many years of being in the financial industry.

The DTR privacy policy

Every personal detail and documentation that you submit to us for our viewing is strictly for the purposes of your credit application. We will never share your information with other people.

The agent that assesses your loan application is probably the only person that will know about your information unless your application has to be referred to somebody else within the organization.

Consultants have also signed an agreement that prohibits them from sharing any personal information on the clients they assist on a daily basis with short term loans.

Customer Reviews & Testimonials

They always have all the loans that you will need and that is why I choose them their service is great and the employees are great they make feel as if you are home.

Tom S
— Wellington —

They are perfect for my small company because I can always take a small or large personal loan through them whenever I need.

Mina B
— Ashburton —

They have got your back and they put me at ease knowing that applied for my loan which took ten minutes and I was able to be approved.

Donny J
— Hamilton —

DTR Contact

Physical Address

Postal Address

  • PO Box 204365, Highbrook, Manukau, 2161, New Zealand

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed