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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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Need $10,000 for a new car, holiday, wedding or home improvements? Find out how you can compare your options and apply for a $10,000 loan today.

The Lending People - Personal Loan

The Lending People - Personal Loan


6.99 % p.a.


  • Secured and unsecured loans
  • 100% online
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The Lending People - Personal Loan

Apply today to get a decision within 60 seconds for a secured or unsecured loan up to $75,000.

  • Interest rate from: 6.99%
  • Min loan amount: $2,000
  • Loan term: 1 to 7 years
  • Fees: Broker fee of $250 to $995 depending on size and type of loan. Other fees vary with lender.
  • Eligibility: Be 18+, an NZ citizen or permanent resident, employed and earning at least $500 per week.
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Compare personal loans up to $10,000

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
The Lending People Personal Loan
6.99% - 26.99%
1 to 7 years
$0 - $10 depending on lender
$50 - $695 depending on lender
Eligibility: Be 18+, an NZ citizen or permanent resident, in employment and earning at least $500 per week.
Secured and unsecured loans of up to $75,000 from a variety of reputable lenders.
LoanSpot Unsecured Personal Loan
8.95% - 27.95%
12 - 60 months
$0 - $10 depending on lender
$195 - $695 depending on lender
Eligibility: Must be 18+, be an NZ citizen/permanent resident, and have an income of least $400 per week.
Unsecured personal loans from $3,000.
Better® Secured Personal Loan
12-60 months
$0 - $10 depending on lender
$195 - $695, depending on the lender
Eligibility: Must be 18+, be an NZ citizen/permanent resident, and have an income of least $400 per week.
Secured personal loans from $3,000.
Max Loans Secured Personal Loan
8.35% - 27.90%
1 - 7 years
$0 to $10 depending on lender
$195 to $1,500 depending on lender
MTF Finance Secured Personal Loan
8.45% - 20.45%
3 - 60 months
Eligibility: Must be 18+, be an NZ citizen, resident or have a work visa, and have a regular source of income.
Secured personal loans from $2,000.
Harmoney Unsecured Personal Loan
6.99% - 24.69%
36 to 60 months
$200-$450 depending on loan size
Eligibility: Be a NZ resident/citizen and have a good credit score.
Apply for an unsecured personal loan up to $50,000 with no early repayment fees.

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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.

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 banks and non-bank lenders and can come in a variety of forms. The first step to taking out a loan is understanding your options.

If you have bad credit

There are lenders 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 or by using a guarantor. 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 set on an individual basis and may be higher than for someone who has a good credit rating.

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 collateral such as jewellery or funds in a term deposit.

Where can I get a $10,000 loan?

  • Online lenders. Online lenders are quicker than more traditional options like a bank or credit union. You don’t need to leave home to sign documents, and filling out the application only takes a few minutes.
  • Peer-to-peer (P2P) platforms. Rather than funding your loan directly, peer-to-peer platforms obtain the loan amount from investors. The application process is similar to a direct lender, but it may take as long as a week to receive your money.
  • Loan brokers. A broker helps you find a loan that best suits your requirements, and you have the advantage of a single contact point for the term of your loan. Personal loan brokers may be able to help those with a poor credit score, who a traditional lender might reject.
  • Banks. Banks are an option for borrowers with good to excellent credit. They may have competitive rates but require extra documentation. Also, the application process may be more involved and it can take longer to receive your funds.
  • Credit unions. You may find it is easier to qualify for a $10,000 loan with your local credit union, and they often have competitive rates since they are non-profit financial institutions. However, most credit unions require that you are a member for a few months, and build up some savings before they allow you to apply for a loan.

How to compare your loan options

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.
  • Interest rate. While banks often have one set rate for personal loans, non-bank lenders provide a range of interest rates. The rate you receive is based on your credit history and current financial situation. Those with good to excellent credit ratings tend to receive a better rate than those with bad credit.
  • Turnaround time. The time it takes to receive loan approval and for it to arrive into your bank account differs between lenders. Many lenders are able to provide a decision in less than one hour and have money in your account within 24 hours. 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 and residency status.
  • 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 if you have some issues on your credit file.

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