Flexible personal loans secured
from 7.90% p.a.*
Get the money you need for the things you want with a Unity personal loan. 100% online application.
Flexible personal loans secured
from 7.90% p.a.*
Get the money you need for the things you want with a Unity personal loan. 100% online application.
Canstar winner six years in a row
From 1 December 2021, our lending process will look a little different as we comply with new lending laws. This means the way we assess loans has changed, and we’ll take a few extra steps to make sure a loan is both suitable and affordable for you. You can download information on these changes here.
Loan details
|
Loan value $2K - $60K |
Loan term 6 months - 7 years |
Interest rates 7.90 - 25.90% p.a. |
Approval fee $200 |
|
When applying for a loan it's important to consider all of the costs involved. Below is an example of the total costs included over the term of a secured vehicle loan: Personal borrowing $20,000
+
Approval fee $200
+
Third-party charges $29.44
=
Total borrowed $20,229.44
Set up over a term of 7 years (366 weeks) at 7.9% p.a. interest = weekly repayments of $72.05. This example is calculated using a floating [secured] rate of 7.9% p.a. over a 7 year term. Total cost of borrowing over the term of this loan would be $26,387.13 (indicative only). This example is not an offer from Unity. The amount you can borrow, loan term, interest rate and your repayments will vary depending on your personal circumstances. Secured floating interest rates from 7.90%p.a. to 24.90% p.a. Terms and conditions and responsible lending criteria apply. Once funded a $200 approval fee and other fees will apply. Click here to view all rates and fees. |
Ready to see what you can borrow?
Use our lending calculator and apply online for finance today.
What can I use a personal loan for?
The short answer? Absolutely anything! You could consolidate your debts. Purchase a new car. Or renovate your home. The choice is yours.
Debt consolidation
Save time and money. Combine your debts into one monthly payment with a debt consolidation loan.
Car & vehicle
Whether you're buying new or used, our pre-approved vehicle finance helps get you on the road in record time.
Holiday & travel
Explore the world or your own backyard with our travel loans. Just don't forget to send us a postcard!
Home renovation
Adding value? Or adding more room for the whānau? It's all possible with our home renovation loans.
Personal finance rates
Our interest rates are priced using a risk matrix that takes into consideration a range of factors including an individual's credit score and affordability. Based on the assessment of an individual's financial information we will assign a risk grade and the corresponding interest rate could apply. Check out our helpful finance guides for more information.
Secured loan |
Unsecured loan |
|
| Grade | Interest rate p.a.^ | Interest rate p.a.^ |
|---|---|---|
| Orange A | 7.90% | 8.90% |
| Orange B | 9.90% | 10.90% |
| Yellow A | 11.90% | 12.90% |
| Yellow B | 13.90% | 14.90% |
| Green A | 15.90% | 16.90% |
| Green B | 18.90% | 19.90% |
| Blue A | 21.90% | 22.90% |
| Blue B | 24.90% | 25.90% |
^Note: These interest rates are indicative only and may be subject to change without notice.
As published on interest.co.nz as at 12 May 2022.
View our interest rates and fees here. For information on our loan agreements and terms and conditions click here.
FAQ
Have any questions?
You may find the answer on one of the pages below:
- How do I apply for finance?
- What information do I need to apply?
- How will I receive the money?
- Can I still get one if I’m self-employed?
- Do you offer lending for individuals with a low credit score?
- Does it matter where I live?
- What are the lending rates and fees?
- How long until I receive the money?
- Can I make extra payments or pay it off early?
- Am I eligible for finance?
If you can't find an answer, please feel free to contact us.
Helpful finance guides
What should I know before applying to a lender?
You’ve shopped around and you’re ready to apply! Before you do, there are a few things you should consider. Keep reading to learn how you could save time and money.
Secured vs unsecured - what’s the difference?
We offer secured and unsecured personal finance. But what's the difference? Click through to find out how each loan type affects your interest rate and total limit.
What should I look for in a financial provider?
Not all providers are created equal. Interest rates and terms vary, so how do you know which is right for you? Read on as we share the five things you should consider.
Nine questions every Kiwi should ask before applying
Considering a loan? Chances are you have some questions. But are they the right ones? Keep reading for the list of questions you should be asking before applying for a loan.
Blogs
Looking for more info? Check out our other guides
- What is a credit score, and how will it affect my application?
- Asked to be a Guarantor? 5 risks you need to know about
- Personal loans vs credit cards - 3 things you should consider
- Struggling with debt? 3 proven ways to take action today
- 9 tips to avoid a lemon when financing a used vehicle
- Term deposits vs savings accounts. Which is best?
- 5 simple ways to improve your credit score
- 7 ways Kiwi's can live debt free in 2017
- 5 simple home renovations that will add value to your property