Follow Us

First Home Buyers Grant

Home Personal Loans

Personal loans are popular with people who need to raise money or get a loan. Want to apply for a personal loan?

Learn more about it on this page. Many people enjoy applying for a personal loan through our service as we can often get them a better deal than elsewhere.

If you already have a personal loan, we may be able to offer you a more attractive proposition.

What can personal loans be used for?

Personal loans can be used for a variety of things such as personal expenses, medical bills, renovations, the purchase of new items, travel, and other matters. There are many different reasons why someone might need a personal loan or want to apply for one. It is possible to get a personal loan for as much as $60,000 – subject to criteria.

What are the repayments like?

Generally the more attractive your proposition is, the better the personal loan interest rate may be. The good news is we may be able to offer 5 and 7 year personal loans, giving you lower weekly repayments and making the personal loan more affordable. Interest rates can start from as low as 11.9%, however this depends on your situation.

Is debt consolidation available?

Yes, we may also be able to consolidate any other debts you have. This will make it easier and more comfortable to manage your repayments.

What information is needed?

There is usually an application process for applying for a personal loan, but the process is easy. You might need to supply some documents like identification, payslips, and a few bank statements. We aim to make the process as simple as possible. The application process can be quite fast, and for straightforward cases, you can usually get an answer relatively quickly.

Is good credit needed?

Good credit is preferable however in the past we have helped people who have had lower than average credit. It helps if your current financial situation is more stable, so chat with us about your options and what might be possible.

How to apply?

If you’re looking to apply for a personal loan, contact us for more information. We may be able to offer you a more competitive rate than going straight to a bank.


Just Financial is a professional financial adviser service and helps you with buying a home, using your KiwiSaver, insurance and more. Ask us to help you with your financial goals.

  • Home loans
  • Using your KiwiSaver
  • Saving money on your mortgage
  • Refinancing or debt consolidation
  • Low interest rates

  • Life insurance
  • Mortgage protection insurance
  • First home buyers
  • Help when the bank says no
  • Construction loans

Get Help From An Award Winning Financial Adviser

Want to buy a house? Looking for an amazing mortgage broker? Buying a house can be a challenging process. With the right advice, this can be made easy. Just Finance provides a professional mortgage broker service that can help you right throughout New Zealand. From first home buyers, to investors, as well as people who already have a house and want to refinance, there are many ways we help.



Client Testimonials

Our results speak for themselves. Our happy customers tell us they love our great service!

You May Also Be Interested In

Apply For A Home Loan

Find out how to apply for a home loan

Read More

Using KiwiSaver

Learn how to use your KiwiSaver to buy a house

Read More

Home Loans

Want a home loan for a place to live?

Read More

Refinancing & Saving Money

Have more than one debt? Want to save money?

Read More

Low Deposit Loans

Find out how you could buy a home with just a small deposit

Read More

Construction Loans

Read about getting a home loan for a newly constructed house

Read More

Request a Call Back?

Looking to apply for a home loan, refinance, debt consolidation, insurance or KiwiSaver? Contact us for more information

Send us a message