Fast Personal Loans

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


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!

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 Driver’s 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 whe 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.

Start Your Application Now!

Get a Personal Loan Online

Looking to get a personal loan online? Whether you need fast personal loans to seize an opportunity or manage an unexpected expense, we’ve got you covered. Our streamlined online process makes securing a loan that fits your life simpler than ever.

Types of Personal Loans

Personal loan for the latest gadgets: Looking to upgrade or replace your mobile phone, laptop or an assortment of your electronic devices? We can help you access the finance you need to get you back on track and productive again.
Personal loan for wedding expenses: Make your big day unforgettable without the financial stress. Our team works closely with you to bring your big day to life.

Personal loan for vehicle:

We understand that cars can break down or become difficult to maintain with age. Our team can help you access the support you need for car repairs or a new replacement vehicle.
Personal loan for overseas travel: We provide travel loans to get you where you need to be. Our travel loans can help get you to your desired personal, work or holiday destination.

Personal loan consolidation:

Simplify your finances by consolidating existing loans. We help you work towards a brighter tomorrow by providing a straightforward way to manage your debts.

Personal Loan for Business Owners

Our offerings for entrepreneurs aiming to bring their visions to life include personal loans for business owners, financial solutions for launching new businesses, and strategic personal loans to businesses. Propel your entrepreneurial journey forward with our customised support designed to nurture and expand your enterprise.

Who We Are?

As a private finance company offering personal loans, we pride ourselves on providing low-interest personal loans with transparent terms. Our ethos is rooted in the belief that financial services should be honest, transparent, and tailored to each customer’s needs.

When you apply online for a private finance personal loan with us, you choose a partner dedicated to your financial well-being.

Let us be your go-to for all your personal loan needs. Apply online today and experience the ease of getting a personal loan with a trusted partner who understands you.