Best Finance Companies NZ

Best Finance Companies In NZ

In search of the top finance companies in New Zealand? Discover the cream of the crop for your financial needs in our comprehensive guide.

Kiwi finance


Harmoney dominates New Zealand’s peer-to-peer lending with speedy approvals within 24 hours and competitive rates, ensuring convenience for borrowers with minimal hassle. Its user-friendly platform offers tailored solutions for various financial needs, including debt consolidation and home improvements.

With Harmoney, accessing funds becomes hassle-free, empowering individuals to achieve their financial goals efficiently and conveniently.
Rates And Fees : 

Harmoney, a leading personal loan provider in New Zealand, offers a variety of loan options with interest rates ranging from 9.99% p.a. to 24.99% p.a., depending on the borrower’s credit rating and loan type. They charge a one-time establishment fee of $150 for new loans, but there are no monthly account fees or early repayment fees. However, there are fees for missed payments, including $15 for dishonoured payments and $20 at various intervals for overdue payments if the account remains in arrears.

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Finance Now :

Finance Now, a respected non-bank lender in New Zealand, provides a diverse range of personal loan solutions. With their emphasis on flexibility in repayment terms and competitive interest rates, borrowers find it convenient to manage their finances effectively. 

Their customer-centric approach and dedication to responsible lending guarantee a positive borrowing experience, reflecting Finance Now’s commitment to meeting the diverse financial needs of their clientele while prioritizing their financial well-being.

Rates And Fees : 

Finance Now, a financial services provider in New Zealand, offers a range of personal loans with interest rates varying based on the loan’s security. Secured personal loans, where an asset is provided as collateral, have interest rates ranging from 13.95% to 29.95% per annum. Unsecured personal loans, which do not require collateral, also have interest rates within the same range.

The company charges several fees associated with its loans, including a $215 establishment fee, a $2.50 monthly service fee, and other charges related to loan administration and potential defaults. For example, a dishonoured payment incurs a $5 fee, and written correspondence in the case of a default costs $10 per instance.


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