Rating based on 49 reviews

Pioneer Finance

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

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Pioneer Finance homepage
Author Pioneer Finance. Screenshot of Pioneer Finance website.
[Accessed March 7, 2023]

About Pioneer Finance

We are a leader when it comes to loans and financial services in New Zealand.

Our offices are in Auckland and Wellington and being a registered financial services provider, we are one of the most trustworthy finance companies country-wide.

A trusted and respected finance company

Are you looking for a lender in Wellington or Auckland? Or do you need a fast online in Christchurch, a car loan in Invercargill, at Pioneer Finance, you’ll be dealing with real Kiwis who understand what you’re going through and we’re here to help?

Pioneer Finance has been operating since 1995 and we are a New Zealand-owned lender. As a member of the Financial Services Complaints Ltd, you are sure to only receive the very best service.

Pioneer Finance Services

On offer to all New Zealanders is affordable personal loans, business loans, debt consolidation loans, and vehicle loans.

Pioneer Finance's personal loans are what New Zealanders need and the cash loans are easy, fast, and have competitive interest rates.

Debt consolidation

Are your bills getting on top of you? We offer debt consolidation NZ wide. Get your finances under control and combine all of your debts into a single easy to manage personal loan from Pioneer Finance.

Business loans

Short or long-term business loans, Pioneer Finance is a lender that has a loan package that will work for your business. We can provide loans to help business owners get their new venture up and running or be there with a loan for an existing business.

Pioneer Finance – Business loan

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

Benefits of Pioneer Finance

  • A fast and friendly service
  • Flexible repayment terms
  • Fixed interest rates
  • Tailor-made business finance

Business loan calculator

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

Pioneer Business Finance provides flexible and affordable business loans

They can provide loans to help business owners start their new venture or to finance a new business.

If you are looking for a business loan with low interest rates and fees, Pioneer Finance makes it easy for you to get the loan for your business when you need it most.

A friendly, experienced team

Get personal service from a New Zealand-owned finance company that offers contact with the same person from beginning to end.

Our staff are understanding, friendly are genuinely interested in helping you find a personal loan solution that works for you. We enjoy helping Kiwis like yourself create a relationship with reliable and professional money lenders.

Apply for a business loan online

If you want to apply for a loan, you can visit the Pioneer Finance website and navigate to the loan application page where you will be able to complete an online loan application that you can submit and one of their consultants will contact you.

Customer Reviews & Testimonials

I approached PF for a business loan and they blew my mind with how personalised my loan was in terms of interest rate and repayment structure!

Debbie B
— Queenstown —

More than affordable rates and fees, the repayments are structured to your needs. I was impressed.

Paige F
— Invercargill —

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