Rating based on 35 reviews


  • Short-term loans up to $2,000
  • Repayment up to 7 weeks

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Author Loanplus. Screenshot of Loanplus website.
[Accessed March 3, 2023]

About Loanplus

Loanplus is an alternative lender that provides a valuable brokerage service to help people access secured and unsecured personal loans of up to $30,000.

One application to apply at multiple lenders

We work with a panel of leading local NZ lenders who are reliable and have some of the best rates and fees on the market. With Loanplus you can access a quick loan in just minutes by filling out our easy online application form. By using Loanplus you can rest assured that your information is safe and secure and that the lender, offering you a loan, will be worthy of your trust.

Save time and get approved

We save customers time by allowing them to make only one single application to access a variety of different lenders and products. Why risk being turned down by lenders after having them search your credit history when you can access multiple offers in one application? One of the reasons that customers return to us time and time again and recommend us to their family and friends is because of our high customer service standards - we don’t just deal with loans - we deal with people and we are compassionate, helpful and professional at all times.

Loanplus Services

We offer a personal loan brokerage service to people who are looking for either a secured or unsecured short-term loan.

Secured loans at affordable rates

More specifically, we offer unsecured and secured loans on either your home or vehicle. We have a large panel of lenders who we will present you loan application to and can therefore find the best deal with the most flexible conditions that will suit your every need.

We can even help people who have bad credit or are not permanent residents in New Zealand - and this a truly unique feature that differentiates us from our competitors.

Details on our secured and unsecured loans

Loanplus can help you access a personal loan of between $1,000 and $30,000 in both a secured and unsecured form. The repayment term will vary depending on how much you can afford to repay and on the loan amount that you choose. Typically our loan terms range between 12 and 36 months but, this can go up to 5 years for larger amounts.

Our interest rates range between 13,95% and 28,95%, however, the rate that you are offered depends on whether you're taking out a secured or unsecured loan and on your financial status. 

Loanplus – Short-term loan

  • Loan Type Short-term loans
  • Loan Amount up to $2,000
  • Repayment 24 hours to 7 weeks

Benefits of Loanplus

  • PERSONAL Loans
  • CAR Loans

Short-term loan calculator

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

Need cash in a hurry? Apply for a short-term loan & get instant loan approval

The first step in applying for a loan is to decide if you want an unsecured or secured loan.

If you have bad credit you will be able to access much more competitive rates by going for the secured loan option, however, those with good credit are likely to access the leading rates even if they opt for an unsecured loan.

You should also consider the loan amount in making this decision since larger loans generally require some form of security and, will cost you a lot more in interest if unsecured. You can put up your home or vehicle to access a secured loan and this will give you access to better rates and larger loan amounts. For people looking for smaller loans, the unsecured short-term loan option is most suitable.

A simple loan application process

The procedures for applying for a loan have changed dramatically over the years and customers are no longer willing to make the trip to the bank or credit union to fill out paperwork - and there is simply no reason that they should have to. With this in mind, Loanplus have streamlined our application process and made it easy for our customers to access credit without ever leaving the comfort of their own homes.

The entire process is done online and you need only fill in a minimal amount of information and provide basic supporting documentation such as a photo identity, pay slips, bank statements and proof of address. Our fantastic team will are available to help you with your online loan application and answer any questions that you may have at any time.

How we'll process your application

Once you have completed our application form we will go through your information and make sure nothing is missing. We may also make recommendations for changes where applicable if we feel that it will improve your chances for approval. Once we've verified your details and are happy with your application we will go ahead and present it to our panel of lenders. These lenders will then review your information and make inform us of how much they're willing to lend you, for how long and what rates they're going to apply to your profile and personal loan.

We will then present these offers to you in a way that is easy to understand and compare and make recommendation where necessary. You can then make a choice and let us know and we will go ahead and make the necessary arrangements so that you can get the loan into your account as quickly and effortlessly as possible. 

Customer Reviews & Testimonials

Great service with helpful consultants and a speedy payout rate.

Lisa-Marie M.
— Palmerston North —

They really put their customers first, a company I can count on!

Rikki M.
— Gisborne —

Loanplus Contact

Contact Number



Physical Address

Postal Address

  • PO Box 509, Rangiora, 7440, 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