0800 949 668

Fast Personal Loans


Don't pay more than you have to!

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
* Fixed interest rates range from 16.00% p.a to a maximum 29.50% p.a. with terms ranging from 3 months to 5 years. Sample Loan If you borrow $8,000 over a term of 12 months you will end up repaying $9,692.75 inclusive of all fees and interest.

Fast Personal Loans

We are all subject to a variety of unexpected vehicle, funeral, and household expenses that need to be paid right away. Why not pay for these now by taking out one of our personal loans?

 Trying to compare all the personal loans NZ has to offer? Don’t let it do your head in. At Why Not Finance, we offer fast personal loans that are easy to apply for and even easier to manage. A personal loan is for what you need when you need it. So, don’t wait!

 Continue reading to discover the great benefits of getting a personal loan with Why Not Finance and what you need to start your application today!

We have spent over 15 years helping people achieve their dreams.

Nothing pleases us more than to help someone get what they need when they need it.

Our online process of delivering fast loans requires no more than a couple of minutes to fill out and around an hour to process the application to give you an answer.


Loan Application Checklist:

  • You must be a NZ Citizen / Permanent Resident / Working on a Work Visa and currently living in New Zealand.
  • You must be older than 18 years of age.
  • Proof of identity by means of a Drivers Licence or Passport is required
  • Security for your loan e.g. a vehicle or property

Why Choose Why Not Finance


A Fast Application Scheme That Is Easy to Use

We offer a fast application scheme that takes no more than two minutes to fill out completely. Applicants only need to provide basic personal and financial information to complete the application form online, making it quick and easy to get your personal loan sorted.


A Fast Response Time

We process most of our applications for personal loans lodged on our website within the hour. This is possible because we use a streamlined application processing that can help us quickly determine how much money our clients are eligible to borrow in one go. Meaning there is no time wasting involved when it comes to your time-sensitive payments.


Transparent Loan Terms and Repayment Options

We understand how difficult it can be to understand the repayment terms that govern most New Zealand personal loans. That is why we offer transparent loan terms that clearly describe how much a client can expect to pay for using one of our New Zealand personal loans. With over 15 years of experience providing secured personal loans, you can trust us to provide transparent terms that are easy to understand and simple to manage.

Furthermore, we offer transparent repayment options that make repaying personal loans in NZ easy. With flexible due dates and convenient payment schemes that are easy to customise to meet your unique needs, it is not only easier than ever to get a personal loan but to pay it off as well.


Superior Customer Service

Our highly trained staff of personal loan experts offers fast, friendly, and professional customer service that helps clients use our New Zealand personal loans successfully. We strive to provide this superior customer service every day because we believe it is the best way to successfully help clients use personal loans in NZ. Don’t take our word for it; see what satisfied customers say about our personal loan process.