Rating based on 57 reviews

Pioneer Finance

  • Bad credit loans up to $100,000
  • Low-interest starting from 14.95%
  • Repayment up to 7 years

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Author Pioneer Finance. Screenshot of Pioneer Finance website.
[Accessed March 6, 2023]

About Pioneer Finance

At Pioneer Finance, they provide quality financial assistance and respond to their clients in a quick, professional, and friendly manner.

Pioneer Finance is a reliable lender offering bad credit loans in New Zealand. They are Kiwi-owned and operated, which enables them to understand the needs of New Zealanders and to help their clients in the best possible way.

A convenient loan service

You will communicate with their friendly employees and will be assigned to a consultant who will assist you in your loan application from the start to the end, for complete convenience and peace of mind.

Additionally, they operate nationwide and work to ensure that their customers get the instant loan NZ they require within 24 hours. You will get the assurance of dealing with a registered financial services provider who is a member of the Financial Services Complaints Ltd.

Pioneer Finance Services

Pioneer Finance is best in what they do, they have offices in New Zealand, Auckland, and Wellington and are a registered financial service provider.

They are one of the most trustworthy and considered finance companies countrywide. Personalized finance options are their specialty. Pioneer Finance’s online personal loans range between $1,000 and $100,000 which can be used for anything from buying a car to paying off your excess debt.

Affordable Bad credit loans

Pioneer Finance, are willing to make some exceptions when it comes to your credit history as long as you earn a sufficient income to prove that you will be able to repay the loan. Your credit history should not hold you back, so you can apply for a bad credit loan just like anybody else would apply for a personal loan. Pioneer Finance goes the extra mile with its customers to make sure their needs are met.

Pioneer Finance – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 14.9527.95% p/a
  • Loan Amount up to $100,000
  • Repayment 12 months to 7 years

Benefits of Pioneer Finance

  • Tailor-made bad credit loans
  • A fast and friendly service
  • Flexible repayment terms

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This bad credit loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Pioneer Finance is a reliable lender offering bad credit loans in New Zealand

New Zealanders can gain access to affordable bad credit loans without having any hassle, long waiting times, or concealed charges and fine print.

It has been made so easy that anyone can apply today. You can apply for a loan online, with their online application form, or speak to one of the friendly, approachable Pioneer Finance team members toll-free on 0800 000 724.

Their clients in Auckland or Wellington region, are welcome to visit one of their local branches for fast-approved personal loans. How much you can borrow will depend on your personal circumstances, financial history, or whether you are providing security for the loan. It’s also based on your current financial situation and your capacity to meet your repayment structure.

Benefits of Pioneer Finance

  • Bad credit loans, specially made to fit customers needs
  • Providing a fast and easy application process
  • Friendly services
  • Flexible and convenient repayment terms

Customer Reviews & Testimonials

Stress-free loan application process, no added paperwork. I really liked dealing with PF.

Lloyd L
— Wellington —

Very friendly and competent consultants who were able to assist me right away.

Jeremiah H
— Nelson —

I am happy to say that pioneer finance has been a pleasure to work with. Their rates are low and they have generous repayment terms.

Harold Y
— Palmerston North —

Pioneer Finance Contact

Contact Number


  • not available


Physical Address

Postal Address

  • PO Box 97199, Manukau, Auckland, 2241, New Zealand

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed