0800 949 668


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.

Personal Loan

Many people have unexpected vehicle expensesfuneral expenses and household expenses that need to be paid straight away. Why not pay for these now by taking out one of our personal loans?

Apply now or view some of the benefits of our loans below! (loans minimum period 3 months, maximium 48 months).

Loan representative example: Lend $1000 repay over 52 weeks at $35 per week.

Interest rate and terms availiable on our disclosure page


Initial Application Criteria 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



    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. Completing our application scheme is easy to complete straight away because clients only need to provide basic personal and financial information to complete the application form online.

    A Fast Response Time

    We can process most applications for personal loans that are lodged on our website within an hour. This is possible because we use a streamlined application processing scheme that can help us quickly determine how much money our clients are eligible to borrow in one go.

    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. You can trust us to provide transparent loan terms that are easy to understand because we have the practical experience needed to help you clearly understand the terms that govern our New Zealand personal loans.

    Furthermore, we offer transparent repayment options that make repaying personal loans in NZ easy. Using these repayment options is simple because they feature flexible due dates and convenient payment schemes that are easy to customise to meet your unique needs. 

    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 help clients use personal loans in NZ successfully.