Rating based on 64 reviews

The Lending Room

  • Short-term loans up to $2,500
  • Low-interest starting from 14.99%
  • Repayment up to 6 months

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

About The Lending Room

The Lending Room is home to a team of brokers that are incredibly passionate about finance. We strive to help people find the right personal loans that cater to their unique needs.

Whether you're looking for a large secured loan to redo the kitchen and paint the house or for a small payday loan to pay overdue bills that are starting to cause you serious distress - the Lending Room is here to help.  

How much can I borrow?

We offer personal loans of between $1,000 and $30,000 and payday loans of between $100 and $1,500 - so you'll certainly find a loan to match your need with us!

Customer support services other lenders envy!

We have a very dedicated, friendly and approachable team of staff that are always available to help you along the way. Whether you don't understand something on our website or need help filling in the loan application form, they'll be here to guide your way. Our entire business is based on helping people find credit solution that meets their needs and help them move forward in life. The process is completely paperless - so you won't need to scan or fax any documents or visit a storefront. 

The Lending Room Services

We provide Kiwis with a reliable brokerage service that gives them access to some of the best loans online and top deals on the market.

Secured and unsecured loans to suit you

We offer secured and unsecured short-term loans of between $1,000 and $30,000 and payday loans of between $100 and $1,500 - so you'll certainly find a loan to match your need with us!

By applying for a personal loan with the Lending Room you can spare your credit score the damaged commonly cause by multiple credit searches - all you have to do is complete one application and you'll have access to loads of deals.

An online loan application that saves you time and money!

You can apply for your quick loan online and we will immediately process your application and contact you to ask for additional information and documentation as required. We have very flexible repayment terms which offer you the option of make weekly, fortnightly or monthly payments that are automatically debited from your account.

Apart from our secured and unsecured loans we also offer payday loans, cash advances, car finance, mortgages, business loans and debt consolidation loans.

The Lending Room – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 14.9929.95% p/a
  • Loan Amount up to $2,500
  • Repayment 1 month to 6 months

Benefits of The Lending Room

  • Affordable short-term loans
  • Apply for a loan with bad credit
  • Quick and easy online applications
  • Flexible repayment options

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.

The Lending Room – Fast Loan Application & Instant Approval Same-day Online

Before completing our application form it would be very beneficial to review the loan types we have available, as well as, go through the information on our website.

We have very helpful and accurate loan calculators that can help you select a loan amount that you can afford to repay. Taking out a personal loan that you cannot conformably afford to repay may cause you to default on the loan and, this may cause you to incur very hefty penalty fees. We will endeavor to assist you to compile a credit application that will help you get approved and secure the best rates from our panel of lenders. We will, where possible suggest adjustments and make recommendation to assist with this.

A quick and simple process

Why you Should use the Lending Roompplying for a loan at the Lending Room is a very straightforward, a simple and quick process - which can be completed in a matter of minutes. We can offer you unsecured and secured short-term loans and will probably be able to find a lender to help you even if you have bad credit. People with bad credit usually struggle to get approved and may make multiple applications - which affect their credit scores and leave them discouraged.

By applying with us you will have a much higher chance of finding a lender that is willing to work around the bad credit history and give you a decent rate. If you're applying for a cash advance or payday loan we will be able to provide you with an offer and advance the cash on the very same day.

Applying for a loan - new and existing customers

When applying for a personal loan as a new customer you will have to provide us with you personal details, your contact information, proof of address, acceptable identification, employment information, you basic budget and a few other details. Once we've received your application we will have to verify your details and check your credit history before forwarding a complete application to our panel of lenders.

This entire application is done online and you will not be required to visit us in-store or complete any complex paperwork. If we are unable to find a loan for you we will ask you to provide a guarantor for your loan or recommend that you opt for a secured loan. If you are an existing customer applying for a loan is even easier and can be done simply by sending us a text message with your unique code which is provided when you successfully apply for your first loan. 

Customer Reviews & Testimonials

The consultant assigned to me was so friendly and helpful; I managed the application process in a couple of minutes, the same amount of time it took for my loan to be approved. The money was in m...

Kiana K.
— Christchurch —

I applied for the loan and the consultant called me back immediately! Her friendliness won me over, and she helped get my loan approved in minutes.

Kohen A.
— Nelson —

The Lending Room Contact

Contact Number


  • not available


Physical Address

Postal Address

  • PO Box 90339, Auckland, 1142, New Zealand

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed