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 September 6, 2021]

About Pioneer Finance

At Pioneer Finance, we will respond to your request for quality financial assistance in a quick, professional and friendly manner.

We are Kiwi-owned and operated and this enables us to understand the needs of New Zealanders and to help them out in the best possible way.

A friendly loan service

You will deal with our small but friendly team and we dedicate one of our consultants to your loan application from start to finish, for complete convenience and peace of mind. Additionally, we operate nationwide and work to ensure that our customers get the instant loan they require within 24 hours. Get the assurance of dealing with a registered financial services provider who is a member of Financial Services Complaints Ltd.

Pioneer Finance Services

We have the very best finance solutions in NZ. With offices in Auckland and Wellington and as we are a registered financial services provider, we are one of the most trustworthy financial companies countrywide.

Personalized finance options are our specialty. Our personal loans NZ range between $1,000 and $100,000. 

Bad credit loans

At Pioneer Finance, we 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 Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 14.95 – 27.95% 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

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

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

Apply for a loan today

You can apply for a loan online, with our online application form or alternatively speak to one of the friendly, approachable Pioneer Finance team members toll-free on 0800 000 724. Our clients in Auckland or Wellington region, are welcome to visit one of our local branches for fast approved personal loans.

How much we can lend will be dependent 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.

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

  • 22 Kaiwharawhara Rd Kaiwharawhaura Wellington 6035 New Zealand
  • Get Directions

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