Compare personal loans up to $10,000

Good credit, bad credit, secured, unsecured - find out what your options are for a loan of up to $10,000.

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No matter what the state of your credit history, and no matter what you need the money for, you can apply and receive approval for a $10,000 loan. There are lenders who offer loans for people with an adverse credit history, as well as traditional lenders, such as banks, who offer $10,000 loans for personal and business purposes.

How to take out a $10,000 loan today

If you need a $10,000 loan, there are lenders who offer a same-day or one-day turnaround time. This means, if you apply for a loan and the loan provider processes it by a specific time, you can receive the approved loan amount in your account that same day. Applicants with bad credit can access these loans through non-traditional lenders, while those in better credit standing may be able to apply with their own bank for quick approval. You can find out more about some of these options below, as well as how to compare and apply. You can also compare bad credit loans up to $5,000 here.

Compare personal loans

We’re working hard to compile a range of personal loans that allow you to borrow up to $10,000. It could be worthwhile comparing the loans below.

Harmoney Unsecured Personal Loan

Harmoney Unsecured Personal Loan


6.99 % p.a.


  • Borrow from $2,000
  • 100% online
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100% confidential application

Harmoney Unsecured Personal Loan

Apply today to get approved within minutes for up to $50,000.

  • Max. loan amount: $50,000
  • Loan term: 36 to 60 months
  • Turnaround time: 99% of approved online applications funded in 24 hours
  • Fees: Establishment fee of $200 for loans from $2,000-$5,000 and $450 for loans from $5,000-$50,000
  • No early repayment fees
  • Personalised interest rates based on your circumstances
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Data indicated here is updated regularly
Name Product Interest Rate (p.a.) Min. Loan Amount Max. Loan Amount Loan Term Monthly Service Fee Establishment Fee
Harmoney Unsecured Personal Loan
6.99% - 29.99%
36 to 60 months
$200-$450 depending on loan size
Apply for an unsecured personal loan up to $50,000 with no early repayment fees. Eligibility: Be a NZ resident/citizen and have a good credit score.
Pioneer Finance Personal Loan
11.95% - 27.95%
Up to 7 years
$270 - $780 depending on size and security
Secured personal loans from $1,000 - $100,000. Eligibility: Be 18+ (may need a guarantor); be a NZ citizen, resident or have a relevant work visa; have a regular source of income
Nectar Personal Loan
8.95% - 29.95%
6 months to 4 years
Unsecured loans from $1,000 with payouts made within one day of approval. Applications entirely online. Eligibility: Must be 18+, an NZ citizen or permanent resident, and have an income of $400 per week or more (after tax).
Admiral Finance Secured Personal Loan
13.95% - 23.95%
6 to 60 months
$125-$595 depending on loan size
A secured loan from $1,000 to $50,000 with a quick online application process. Eligibility: Be an 18+ permanent NZ resident, have collateral/security, earn at least $450 per week.
Lending Crowd Personal Loan
3 or 5 years
$250-$1,450 depending on the amount borrowed
A secured personal loan from $2,000 to $200,000 with repayment instalment options. Eligibility: Be an 18+ NZ permanent resident, earn $30,000 or more, have a good credit history and collateral/security.
QuickLoans Personal Loan
9.95% - 23.95%
6 to 60 months
$95-$595 depending on loan size
Borrow up to $20,000 and apply online within 5 minutes. Eligibility: Be over 18, hold permanent NZ residency, have collateral/security, earn at least $450 per week.

Compare up to 4 providers

What are your loan options if you want to borrow $10,000?

Whether you have good credit or not, there are options available if you need to borrow a large amount of money. Loans up to $10,000 are available from traditional and nontraditional lenders alike and can come in a variety of forms, for example, secured; unsecured; short term; long term or business loans. The first step to taking out a loan is understanding your options.

If you have bad credit

There are brands who offer loans up to $10,000 for people with bad credit. There are usually specific requirements you need to meet and the loan provider may require you to secure the loan with an asset. Some lenders may allow you to submit a joint application if you don’t meet the criteria, so discover the options you have to boost your chance of receiving approval. The interest rate on these loans is usually set on an individual basis.

If you have good credit

You are likely to have more options available if you’re looking to borrow $10,000 and have good credit. You can usually apply with a traditional lender such as a bank, and enjoy lower rates and fees than if it were a bad credit loan. You may also find your current bank offers same-day funding to existing customers. Depending on your income and other financial circumstances, you may be eligible for a secured or unsecured loan.

If you’re willing to secure the loan

Securing the loan with an asset may open up more options to you. Secured loans are less risky for lenders, as they are guaranteed to recoup their losses should you default on the loan. Because of this, these loans come with more flexible lending criteria than if the loan was unsecured. Typical assets used to secure a loan include a vehicle or equity in a property, but some lenders allow for other things such as jewellery.

If it’s for a business

A $10,000 loan taken out for business purposes is very different to one taken out for personal use. Business loans usually come with higher maximum loan amounts, with some lenders able to approve loans of up to $500,000. These loans are typically available to established businesses and startups.

If you have a few loan options, here’s how to compare them

When considering what loan to apply for, it’s necessary to compare the features of the loan to make sure you apply for a competitive option. Here are some things to look at:

  • Fees. What fees does the loan provider charge? Remember to consider the ongoing fees, as well as any charges you have to pay at the onset.
  • Turnaround time. The time it takes to receive loan approval and for it to arrive into your bank account differs between lenders. Make sure the lender you apply with can get your loan amount to you when you need it.
  • Repayments. How can you repay your loan? Are you able to repay the loan early without penalty? These are things you need to check before you apply.

Tips on receiving approval

  • Review the eligibility criteria. Do this before you apply, to make sure you are eligible. Look for criteria like minimum income, employment requirements, etc.
  • Submit all necessary documents. Check what documents are needed and make sure you can send everything that is required. Even if you have a bad credit history, showing that you are in a good financial situation now can help your application.
  • Consider a joint application or guarantor. This may help get your application across the line.

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2 Responses

  1. Default Gravatar
    VishevNovember 3, 2018

    I want a loan of 6500 to buy a car .
    I got bankrupt last year
    But I have a job now , and I earn 600 a week
    I finding hard to reach work with public transport

    • Avatarfinder Customer Care
      nikkiangcoNovember 8, 2018Staff

      Hi Vishev,

      Thanks for reaching out to us! I hear you and I understand where you are coming from. To get approved of a loan, make sure to check the eligibility criteria of the card and other requirements needed to apply for the loan as well as the product disclosure statement of the card to be familiar with the loan. Reach out to the lender should you have further questions.

      Hope this helps. Feel free to reach out for any questions you may have.


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