How It Works

If you’re after a CASH LOAN or PERSONAL LOAN, it’s quick and easy to apply.

Just complete our simple application form and submit your bank statements, and our team will work to find a lender for you.

It only takes minutes to apply, and best of all you’ll know exactly where you stand in under 30 minutes. Apply now, and you’ll have an answer soon.


What We Do

Loans Online has been established to take the stress and hassle out of applying for Cash and Personal Loans.

Simply complete the application form, and we’ll work hard to find a lender for you.

Within 30 minutes of finishing your application, if one of our lenders in our lending panel thinks they can assist, you will be contacted by SMS. It’s that easy!



Don’t spend hours filling out pages of confusing application forms with banks and other lenders.

Our form is simple, online and only takes minutes to complete.

Best of all you won’t need to wait hours or even days to know where you stand. We’ll get back to you within 30 minutes of applying, and it’s free to apply.


When you need a PERSONAL LOAN up to $10,000 now!


There are many different reasons for applying for a PERSONAL LOAN. You may need a personal loan to buy a car, for renovating a home or consolidating debt.

There’s a large number of personal loans available and the best personal loan for you will depend on your own needs and circumstances.

Personal loans can help you achieve the outcome you desire, quickly. Loans Online works with New Zealand lenders to find you a loan suited to your needs with only one simple and fast loan application required.

Once we receive your application, you’ll be notified by email or SMS within 30 minutes if we have been able to find you a lender. Apply Now, so we can work hard to find the lender for you.


DEBT CONSOLIDATION LOANS allow you to combine all your loans into one. Often they can help you to reduce your interest rates and fees, thereby giving you a way to get yourself out of debt.

Most people choose to consolidate their debt so that they only have one loan repayment to worry about rather than several.

Remember that the best loan for you is one that you can afford and is flexible enough to adapt to any change in your circumstances.

Debt Consolidation Loans usually offer reduced interest and fees so  that your monthly loan repayments are lower than the amount you currently repay on all of your other loans in total. Our lenders offer loans from $100 to $10,000 so apply today and have an answer fast!


“We enjoy the process of making our clients’ lives easier. We get a real kick out of making what used to be a really onerous process so simple and easy. Our customers love the fact that the application form only takes minutes and they know exactly where they stand within 30 minutes of applying.”

Loans Online

Popular Loan Types 1

Personal Loans

Car Loans

Travel Loans

Debt Consolidation Loans

Hospital Loans

Wedding Loans

Emergency Loans

Popular Loan Types 2

Travel and Holiday Loans

Education Loans

Vet Loans

Dental Loans

Truck Loans

Home Renovation Loans

Furniture Loans

Popular Loan Types 3

Medical Loans

Fast Approval Loans

Funeral Loans

Boat Loans

Motorbike Loans

Car Repair Loans

Pet Loans

Important note: You should always compare your options before taking out a personal loan. These loans offer different interest rates and terms. There are sometimes other ways to pay your bills. It can be useful to see if you can extend your payment terms with your suppliers. This usually works well with utility providers. We believe that everyone has the right to have access to credit, so in the event that you can’t get any financial relief that way, a personal loan might just help you get through your immediate and temporary cash shortfall. You must be New Zealand resident and over the age of 18 years to apply. Importantly, the completion of the application form does not guarantee approval of a loan, and the loan amount and terms will vary depending on the lender who may accept the application. $10,000 may not be available to every customer. Furthermore, the time taken to approve a loan and transfer the cash from the loan will always vary. This website and Loans Online does not directly endorse a particular product and/or service. Any information on this website is illustrative only and should be only taken as an opinion. It does not take into account your personal needs and financial circumstances.
Because LOANSONLINE.CO.NZ IS NOT A LENDER, we cannot ultimately decide whether or not you are approved for a loan. We also cannot determine or influence the amount of funds you may receive using our referral services. The operator of this website will share the information you provide with participating lenders, advertisers, networks and other partners who may or may not lend or issue loans. Providing your information on this website does not guarantee that a lender will choose you or approve your loan application. We do not act as agents, brokers, or representatives for any of our lenders, and we do not endorse or charge you for any service or product. All information that we collect and share about you is in accordance with our Privacy Policy which we advise you to review before submitting any information using our form.
Because each lender is different and Loans Online has no control over the rates and fees each lender charges, we urge you to carefully review the terms associated with the offer before accepting or declining. Please remember that you are never under any obligation to accept an offer from a lender and you can cancel the entire process at any time at your discretion. LOANSONLINE.CO.NZ cannot be held accountable for any charges or terms presented to you by a lender, and we are in no way responsible for any agreement between you and a lender. For details, questions or concerns regarding your cash loan, please contact your lender directly. Please note that lender terms may vary, and lenders may use different criteria to determine whether an applicant is eligible for a loan. Not all who apply for credit will be chosen by a lender or approved for a loan. If a lender in the participating lender network does not choose you, your information may be offered to participating third-party advertisers and generators for consideration.
It is not our policy to perform credit checks on any of our customers. However, some of the lenders in our network might perform a credit check before making their decisions using the three major reporting bureaus such as illion, Experian and Equifax, as well as other alternate sources of consumer information. In the end, your credit rating may be impacted by a particular lender’s actions. If you do not pay back your loan by the specified due date, your lender may choose to report this delinquency to one or more of the major credit bureaus, which could negatively affect your rating.
Any of the information that you read on this website may be changed at any time without any prior notice. We cannot guarantee that your submitted information will be provided to a lender or that a lender will approve you for a loan. Not all lenders can provide up to $10,000. Finally, if you are having serious financial issues, it is often best to consult with a professional financial advisor/counselor.