Get smart, with a low rate personal loan.

Calling all visionaries, romantics, go getters and jet setters. We can help you get the most out of life while paying the least on your personal loan. Great loans for those with great credit on amounts between $1,000 and $70,000.

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What kind of loan are you after?

Personal Loan

Up to $20,000

Debt Consolidation

Up to $50,000

Vehicle Loan

Up to $70,000

Homeowners Loan

Up to $70,000 with no fees

We've got a loan to suit your needs.

We have the right loan to help you achieve your goals. Whether you're tackling a home renovation, buying a new car, planning a wedding, or consolidating your debts. Find the right loan for your needs below. Also, when we say we offer great rates for great borrowers, we mean it. With rates starting at just 7.95% p.a. we'll help you get the most out of life. 

Personal Loan
Debt Consolidation Loan
Vehicle Loan
HomeOwner's Loan
What's this loan for? Use this loan for things like wedding expenses, education expenses or a holiday. Yup, you guessed it, this one's for consolidating your debts. For cars, bikes, floats, Tiny Houses...basically anything on wheels. Personal loan for home owners looking to do a home renovation or grab something exciting for the house.
Max loan amount* $20,000 $50,000 $70,000 $70,000
Loan term Up to 3 years Up to 5 years Up to 7 years Up to 7 years
Interest rate From 8.95% p.a. From 8.95% p.a. From 8.95% p.a. From 7.95% p.a.
Establishment Fee $250 $500 $250 $0
Security Unsecured For amounts over $20,000 Vehicle Owner-occupied house for amounts over $20,000
Interest only No No No First year

*Affordability and credit criteria apply. The maximum borrower amount reduces based on borrower risk grade.

Why borrow through Squirrel Money?

Great rates

If you’ve got good credit, we’re pretty certain you won’t find better rates elsewhere. And the rate is fixed for the life of the loan so your repayments won’t change.

Flexibility and choice

Choose a loan term of 2, 3, 5 or 7 years (depending on the product) and a payment frequency that works for you. Plus we won’t sting you for paying your loan back in full whenever you like. Borrow from $1,000 to $70,000. That should be enough to replace that hideous carpet in the living room.

Low fees

Our fees are easy to understand and very competitive. Check them out for yourself here. You can even repay your loan in part or in full whenever you like at no extra cost. 

What you'll need to apply

Your whole application is done online in a matter of minutes, so you can do it anywhere, anytime. Just make sure you have the following items handy: An online banking account (or 3 months’ bank statements and payslips) and a NZ Driver’s license or NZ Passport. 

What we look for?

We're not the right lender for everyone. Our members tend to borrow money for things like home renovations, cars, weddings or debt consolidation (bundling other debts into one easy payment). Our focus is on high quality borrowers who pass the following creditworthy checks with flying colours.

Need a loan? Apply Now