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Our current market interest rates
- 7.90% p.a
- 8.44% p.a
- 8.91% p.a
Why invest with Squirrel Money?
Investors choose their minimum desired interest rate between 7-9% p.a.
Loan Shield (our reserve fund) helps protect against missed borrower repayments and defaults, provided there are sufficient funds available.
Find out more here.
Flexibility and control
Investors choose a 2, 3 or 5 year term and our Secondary Market allows you to sell an investment and access your money early. Find out more here.
Easy and convenient
We have a fast, easy, online registration process and a mobile app to manage your ongoing investments.
Get started now.
Current Reserve Fund balance$248,347
Loan Shield - 100% return of scheduled capital and interest repayments to date
Our number one priority is looking after your invested money. One of the main ways we do this is through our reserve fund (Loan Shield) which has ensured that since launching in 2015 we've not missed one repayment to an Investor, not even by a day. Despite our 100% track record to date, we need to be clear that past performance is not a guarantee of the future.Find out more
Current marketplace summary
What sort of return can I expect with Squirrel Money?
Investors in the Squirrel Money platform have locked in an average investor interest rate of approximately 8.6% p.a.1 with investments made over 2, 3 and 5 years. This return compares pretty favourably against the returns achieved across alternative asset classes in New Zealand. Squirrel Money's technologically advanced lending platform enables a lower cost operating model, with the benefit passed through to both investors in the form of higher returns and borrowers with lower interest rates on loans. With regular monthly principal and interest repayments, investments in Squirrel Money can be used as a source of regular income. The chart to the right illustrates the repayment profile of a $10,000 loan over five years at an investor interest rate of 8.5% p.a.
The below table provides a summary of the indicative repayments an investor can expect to receive across varying levels of investment in a 5-year loan at an investor interest rate of 8.5% p.a. (before tax).
How a 5 year loan (investment) repays
|Investor Repayments*||1 year||2 years||3 years||4 years||5 years||Total|
|$10,000 Investment Interest Principal Investor Repayments||$793 $1,541 $2,333||$652 $1,744 $2,396||$496 $1,970 $2,466||$319 $2,226 $2,545||$119 $2,518 $2,637||$2,377 $10,000 $12,377|
|$50,000 Investment Interest Principal Investor Repayments||$3,963 $7,704 $11,666||$3,259 $8,722 $11,981||$2,479 $9,850 $12,330||$1,593 $11,133 $12,726||$592 $12,591 $13,183||$11,886 $50,000 $61,886|
|$200,000 Investment Interest Principal Investor Repayments||$15,851 $30,814 $46,665||$13,034 $34,890 $47,924||$9,917 $39,401 $49,318||$6,372 $44,530 $50,903||$2,370 $50,364 $52,734||$47,544 $200,000 $247,544|
*This summary assumes repayments are received on a monthly basis and include both principal and interest. Repayments may be at other regular intervals based on the terms of the loan.
Investing with Squirrel Money
Thinking about investing? Our Investor Booklet has everything you need to know. In here you can read up about how we look after your money and exactly how Loan Shield works, how we carefully select our borrowers, everything you want to know about how peer-to-peer works and how we manage risk. Download your copy now.DOWNLOAD NOW