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.

Private Loan

With a private loan from Why Not, you can request a loan amount up to $20,000 and you will benefit from our fast and easy loan process.

Apply now using our online application form, it is quick and easy and will only take 2 minutes!

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

What You Can Do With Your Loan Funds

With private loans up to $20,000 from us, your financial stress may be solved. Regardless of why you are struggling with your finances, you can use this money to resolve your issues. Many loan applicants use their funds to pay off current debts that may be outstanding, such as medical bills or house repair bills. Others use the money to make house repairs or to buy much-needed items, such as a new refrigerator to replace a broken one. While some use the loan money to pay for necessities, others use the loan funds from a private loan for fun things, such as a memorable family vacation or to redecorate their home. There are no limits regarding how you can use the money.

A Simple and Easy Loan Application

When you apply for a private loan through Why Not, you will be pleased to learn how simple and easy the loan application process is. In fact, you can apply for the loan online in a matter of minutes. You will not need to apply through a loan bank or wait for business hours to complete the loan application. Most loan applications are approved within approximately an hour, and the money you need can be wired into your account as soon as you receive loan approval. We want to help you you overcome any challenges you have by providing you with the funds needed.

Apply for Your Loan Today

When you need access to a larger amount of cash and are looking for flexible loan terms and a fast approval process, you can turn to us for assistance. We are committed to helping our clients improve their financial situation through our easy loan process. You never have to worry about running short on cash or wonder how you will pay for your expenses because we have the financial solutions that you are looking for.