Rating based on 73 reviews

The Lending People


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

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Author The Lending People. Screenshot of The Lending People website. [Accessed May 26, 2020]

About The Lending People

If you’re blacklisted and are looking for an unsecured loan than the Lending People are your best bet!

Although they don’t offer loans directly, their brokerage service will provide you with access to multiple loan options from a pool of some of New Zealand’s top lenders.

What kind of loans do the Lending People offer?

The Lending People offer personal loans, debt consolidation loans, vehicle finance and personal loans for bad credit to New Zealanders.

These loans can range from as little at $3,000 to as much as $75,000 and can be obtained by completing their quick and easy online loan application.

Why make use of a broker?

If you have bad credit, chances are that you will not qualify for a loan from any bank or traditional lender and, if you make multiple loan applications this will lower your credit score even more and lower your chances of getting approved.

By making a loan application with the Lending People, you will have access to their wide range of lenders while only having to make one application and go through a single credit check.

Loans for people with poor credit and a bad payment history

Many of the lenders on their panel offer unsecured loan for blacklisted people and, provided that you meet their affordability requirements, will make you a loan offer in no time!

Why use the Lending People?

  • Access multiple loan options from a pool of reliable lenders
  • They offer a quick and easy online loan application that will take 10 minutes to complete
  • Get conditionally approved in just 60 seconds
  • You will only be subjected to a single credit check
  • Loans range from $3,000 to $75,000
  • Loan interest rates range from as little as 8.95% to 26.95%

The Lending People Services

The Lending People offer a range of personal and unsecured loans for blacklisted people that range from $3,000 to $75,000.

These loans can be used to consolidate date, pay for urgent car repairs, finance a wedding or even help you buy a reliable car to get you to and from work.

Loan interest rates and terms on offer

The Lending People work with a wide range of lenders such as NZCU, Avanti Finance, Oxford Finance, Geneva Finance and Spirit Finance, to name a few. The rates offered to you by each lender may be different but will fall into the range of 8.95% to 26.95%.

When it comes to repayment terms, the Lending People offer a wide range of options that will ensure your repayments are affordable and ideally tailored to suit your finances and goals. You will be able to secure loan terms that range from 1 to 7 years, depending on your loan amount and affordability needs.

Bad credit? No Problem.

Given that the Lending People work with such a wide range of lenders, if you have a poor credit or are blacklisted, they will still try to help you and source a bad credit loan that will be ideal for your needs.

Since they abide by the Responsible Lending Code, they will still need to perform a credit check on you and ensure that you can afford the loan that you wish to attain.

Secured and unsecured loan options are available

The Lending People can assist you in getting an unsecured as well as a partially secured loan in the case of vehicle finance.

You can even apply for a loan with a guarantor which will increase your chances of approval and possibly help you secure a lower interest rate.

If you choose an unsecured loan the maximum loan amount available to your will be $25,000. The Lending People even offer 2nd mortgage and caveat loans which will help those with poor credit secure lower interest rates on their quick loans.

The Lending People Unsecured loan

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

Benefits of The Lending People

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

Securing your bad credit loan online with the Lending People

Applying for a loan with the Lending People is simple and will take no longer than 15 minutes from start to finish.

You will be required to provide you personal, contact and employment details and upload your supporting documents which include your 90-day bank statements, a latest payslip, a copy of the front and back of your ID and proof of address.

To make their unsecured blacklisted loan application even quicker and more convenient, you can have your 90-day bank statements automatically downloaded to the Lending People via the automatic bank statement retrieval system called Proviso.

Online loan service with great personal customer support services

Whether you’re the kind of person that like a little hands-on, personal service or the kind that wants to get it all done online without any fuss, the Lending People can accommodate you and your preferences!

What if my loan application was declined?

Should they find that you do not meet their affordability requirement or have given them reason to suspect that approving you for a loan would be irresponsible as you are experiencing financial hardship, your loan application will be declined.

It is best to not attempt to apply for another personal or short-term loan for a few weeks, at the very least, after you’ve been declined.

This is to ensure that you do not make our financial situation worse and do not lower your credit even further by having another credit check performed and another loan application denied.

man holding thumbs up

The Lending People is a trusted & reliable provider of unsecured 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

December 2019

The Lending Room has quick and convenient loans

Simon S
— Nelson —

October 2019

Applying for an unsecured loan with The Lending People

Leon G
— Upper Hutt —

The Lending People Contact Details

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