Rating based on 50 reviews

The Lending People

  • Personal loans up to $75,000
  • Low-interest starting from 8.95%
  • Repayment up to 7 years

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The Lending People homepage
Author The Lending People. Screenshot of The Lending People website.
[Accessed March 3, 2023]

About The Lending People

The Lending People are a popular, modern and 100% online brokerage that specialise in providing tailored personal loan to New Zealanders. 

Even though their application is 100% online, they have a local team of consultants ready to take your call or help you via their online chat portal. Their 1-page credit contract is easy to understand and complete and can be approved online or on a mobile phone via their lending app.

Over $188,000,000 worth of loans delivered

They have served over 38,000 people with personal loans with a combined value exceeding $188,000,000 and have excellent customer reviews and feedback! With a 60 second initial loan approval time and access to some of New Zealand’s leading lenders, The Lending People can meet your credit needs quickly and easily.

A trusted panel of local lenders

The Lending People have a large panel of lenders from which to source a loan. This includes Avanti Finance, NZCU South and Oxford Finance to name but a few. This variety of lenders allows them to access a large variety of loans, including bad credit loans for those with a poor credit history.

Maximum loan amounts & terms

The Lending People offer loans that range from $3,000 to $75,000 with loan terms that range from 12 months to 7 years. In addition, their loan application factors in your credit score and ensure you’re 60-second approval is as accurate as possible.

The Lending People Services

The Lending People specialise in delivering tailored personal loans to Kiwis.

These loans can be secured, partially secured or unsecured, depending on your profile as a borrower as well as the amount that you’re looking to borrow.

Personal loans from $3,000

The minimum loan amount offered by The Lending People is $3,000 and their lowest interest rate, reserved for those with high credit scores, is 8.95% p/a.

Whether you need a loan to pay for upgrades to your home or your upcoming wedding, The Lending People will help you find the best option available to you.

Personal loans to consolidate debt

The Lending People can offer you a debt consolidation loan provided that you can submit the settlement statements for all the debts you wish to consolidate.

These are additional supporting documents you need to submit in addition to the regular loan application documents like your ID, a recent payslip and proof of address.

Personal loans to purchase a vehicle

You can obtain a personal loan for the purposes of buying a car. These car loans are typically secured on the vehicle you’re buying and the interest rate you’re offered will depending on your profile but starts from as low as 12.95%.

In order to get a car loan from The Lending People, you must have an NZ Drivers License or an NZ Learners.

The Lending People – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 8.95%
  • Loan Amount up to $75,000
  • Repayment 12 months to 7 years

Benefits of The Lending People

  • Apply 100% online
  • Instant loan decisions
  • Get approved in 60 seconds
  • Affordable repayment terms

Personal loan calculator

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

A one-of-a-kind 60 second online loan application

The Lending People are known for their quick and easy online loan application process. They have an incredible 60 second turnaround time for online loan approval. For referred applications, they still have an impressive turnaround time of 60 minutes.

A 4-step online loan application

The Lending People have a simple 4-step online loan application process which you can get through in just a few minutes. After completing all of your personal, contact and employment details you will be asked to provide some information on your income and expenses.

This includes details on how much you pay for housing as well as whether or not you have any additional sources of income.

Do you meet The Lending People’s general lending criteria?

In order to apply for a quick loan from The Lending people you must meet their basic lending criteria. You must be 18 years of age or older, be a NZ citizen, permanent resident or have a NZ Work Visa.

Furthermore you must be employed, at least part time and be earning a stable income of at least $500 per week. Finally you must be in possession of a valid passport or NZ Drivers License.

If you are bankrupt or are experiencing financial hardship you will not be able to apply for a good or bad credit loan. You also need to be able to provide supporting documents.

One credit check – access to multiple loans and lenders

All applicants will have to undergo a credit check as part of the approval process. This means that you can access a range of loans from this lender’s large panel of lenders but still ensure you only have one credit check run against your name.

Supporting documents required for a personal loan application

  • Copy of your ID, Drivers License or Passport
  • A recent payslip
  • Your 90 day bank statements which can be retrieved using Proviso, a trusted online bank statement retrieval system.
  • Proof of address

Returning customers

Returning customers can apply for a personal loan simply by logging in to their account and requesting a loan via their dashboard. You can also keep track of your loan application progress via your dashboard.

You will still need to meet all the lending criteria that you did when you got your previous loan but your details will be on the system, which will save you time and make it easier to submit your loan application.

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The Lending People is a trusted & reliable provider of personal loans

In our review, The Lending People adheres to the compliance criteria in accordance with the Credit Contracts and Consumer Finance Act 2003, where the granting the loan will not cause financial distress to the consumer.

✅ The Lending People is a registered credit provider in New Zealand: FSP240365

Customer Reviews & Testimonials

April 2019

The Lending People helped me get an affordable loan, I received the money on the same day

Peter N
— Dunedin —

September 2019

I got a very low-interest rate on my personal loan from The Lending People

Elsa A
— Napier —

The Lending People Contact

Physical Address

Postal Address

  • PO Box 105063, Auckland City, Auckland, 1143, 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