Rating based on 4 reviews


  • Personal loans up to $30,000
  • Low-interest starting from 8.95%
  • Repayment up to 4 years

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Nectar homepage
Author Nectar. Screenshot of Nectar website.
[Accessed June 24, 2022]

About Nectar

If you are looking for a faster, affordable, and hassle-free personal loan, you have come to the right place.

With Nectar you can apply and receive an answer within just 7 minutes. They also aim to payout the funds to your account on the same day so you don’t have to wait.

Nectar is a responsible lender that understands how crucial a fast cash boost could be to solve an unexpected emergency. That’s why they’ve designed an easy and user-friendly process for the quickest, most convenient application possible.

Personal loans at your fingertips

With a much faster, more thorough assessment they are able to offer you a loan that is specifically designed for you, your affordability, and your needs. What sets them apart even more from traditional lenders, is their modern digital technology which allows for lower loan costs.

Even though they only process loans between Monday and Friday, 9:00 am to 6:00 pm, you can still apply at any time through their online 24/7 system from your computer or any mobile device.

With them, you can enjoy a paperless and straightforward application process that is 100% transparent and client-centric.

Safety and security

Your security is important to them that’s why they have partnered with large companies like Amazon Web Services and Force.com as well as with Credit Sense to ensure that their online verification process happens smoothly and safely.

So, you can rest assured that neither Nectar, Credit Sense, nor anyone else will be able to view or store your banking details as they will be encrypted for your protection, and Nectar will simply view your bank statements to confirm your income and expenses.

Nectar Services

If you urgently need money at a low price, Nectar is your affordable online personal loan provider.

They have been experts in the field for many years and are ready to help you get the loan amount you need, fast, and use it for whatever you might need it for. Thousands of Kiwis have put their trust in Nectar as they believe in fairness and in giving their customers the best possible deals at a very fast pace.

Flexible & low-cost Personal loans

Their personal loan interest rates start from only 8.95%p.a. and you’ll need to pay an establishment fee of only $240 with a $1.75 admin fee per repayment.

With them, you can enjoy great flexibility as you can top up your loan after 16 weeks as well as change your loan term. The best part is that you will be able to make early repayments without any additional cost.

Loan amounts and repayment terms of your choice

The choice will be left in your hands to decide if you can pay weekly, monthly, or fortnightly and in addition to that your loan repayments will be equally divided into your chosen term which could range from 6 months to 4 years.

On top of all these benefits, you will be enjoying a fixed interest rate tailored to your profile and can borrow from as little as $1,000 and up to as much as $30,000.

I want to borrow more

Topping up your loan with them is easy and can conveniently be done by hitting the top-up button online. You will be able to do this after 16 weeks of repayment and if you are eligible to borrow more. Depending on your repayment history and affordability they might reward you with an even lower interest rate.

Nectar – Personal loan

  • Loan Type Personal loans
  • Interest Rate 8.9529.95% p/a
  • Loan Amount up to $30,000
  • Repayment 6 months to 4 years

Benefits of Nectar

  • 100% online loans
  • A quick and easy loan application
  • Fast loan approvals

Personal loan calculator

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

Get a personal loan with Nectar today.

With them, you can do a simple application online in under 7 minutes.

Steps to apply:

Step 1:

Select your preferred loan amount and repayment term by sliding their online sliders. You’ll be directed to a quick online loan form when you click on Get Started where you will provide them with your details and verify your information.

You can choose to either do the online bank statements verification which is super-fast or you could upload a pdf copy of your statements which could slightly slow down the process.

Step 2:

Upon receiving your personal loan quotation you can then accept to proceed. This happens in real-time.

Step 3:

The funds will be transferred directly after for you to receive on the same day or the very next day at the latest.

Loan requirements:

  • Confirmation of who you are, where you live, and work is required.
  • You cannot be self-employed, bankrupt, or have any defaults.
  • Having internet banking and an active NZ bank account is a must, you could also provide them with your latest 6 months’ bank statements to confirm your income and expenses.
  • You’ll need to be an NZ citizen/permanent resident.
  • Be of legal age.
  • Supply them with an NZ driver’s license/NZ passport.
  • Earn at least $350 per week after tax.

Your trusted Personal loan lender

Nectar is a highly rated and trusted company in New Zealand to assist Kiwis with only the best personal loans that are affordable and easily accessible. Whatever your reason may be for needing money, they can assist you. Apply now and receive the money you need a little later today.

Benefits of taking out a Personal loan with Nectar

  • 100% digital service that ensures quick outcomes.
  • Flexible repayment terms and affordability.
  • Unsecured loans that don’t require collateral.
  • Low fees and interest rates.
  • Tailored loans.

Customer Reviews & Testimonials

March 2022

I would rate them 5 out of 5 for speed and convenience.

Brown L
— Rotorua —

March 2022

They are such a reliable and trustworthy lender, and will definitely make use of their service again.

Taylor N
— Auckland —

April 2022

A well-established company that is always professional and transparent in the way they do business

Williams O
— Queenstown —

Nectar Contact

Physical Address

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