Why not pay less for your loan?

Don’t wait, get in touch now.

Loan comparison graph

Total repayments on a $2000 loan

Easy Loans from Whynot Finance

We believe in doing things right.  That includes lending at fair interest rates.  Some flashy lenders spend lots of money on advertising but charge massive interest rates.

WHY NOT vs "Competitor X"

YOU borrow $2,000 for 26 weeks.
Total repayments to Competitor X = $3844
Total repayments to Why Not = $2541

Save $1,303 with WHY NOT!!! *

* Calculated on October 2020


About Us

We have been providing personal loans for more than 20 years. Our loans come with clear and transparent terms.

Our Auckland based team works with you to tailor personal loans to meet your specific needs and life situation as we prioritise honesty, integrity, and ethical practices. Get a personal loan online today.

Our values

Honest ethical standards that protect you

Your needs are put first

Clear communication that you understand

WHY NOT have the car you deserve

And why not have it without paying crazy interest rates?

WHY NOT upgrade your phone?

Get in touch to find out if we can help

WHY NOT have an epic adventure?

Can’t go overseas, but don’t let that stop you doing something amazing, right here in NZ.

WHY NOT ride epic waves?

Magnificent sunsets and mack surf await…

Try Our Two Minute Application

Looking for a loan? Live in Auckland?

Take just two minutes to apply online and one of our friendly staff will be in touch to talk through how we can help.



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Small Business

Our Customers love us

“Thank you so much. Thanks for being such a great case manager during my time with you. You’ve always been so very helpful and patience with me lol. Wishing you all the very best and God bless you!! 

Malo aupito and Ofa atu

 “Thank you for your help, I’ve been with you for many years and don’t want to look or go elsewhere.”


“We are so pleased that we understand the meaning of the loans contract when your staff disclosed the details in our own language”.


“Thank you.  It was a pleasure meeting you yesterday and the service you provided was excellent.  Thanks once again and thank you for waiting for us.”