Geneva Finance Personal Loans Review March 2021 | Finder NZ

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Geneva Finance Personal Loans

Homeowners can enjoy low-interest rates at Geneva Finance, while the company also provides competitive rates for car loans and unsecured personal loans.


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Borrow up to $50,000 via Geneva Finance, which specialises in arranging unsecured personal loans and vehicle finance to individuals and small businesses across New Zealand. You can get a response to your application within 10 minutes, with the funds released within 24 hours of approval.

Geneva Finance has been enabling vehicle finance for families since 2002. The provider can help get you low rates on unsecured loans for homeowners and offers market-competitive rates on unsecured personal loans and vehicle loans too.

Finder NZ does not currently have access to this personal loan. Please review the loan details, application criteria and terms and conditions on the lender website if you are considering applying for this loan.

Types of personal loans from Geneva Finance

The many borrowing options at Geneva Finance are flexible, offering loans suited to different requirements and for almost any purpose.

  • Secured personal loans. You can get competitive rates with Geneva Finance if you apply for a personal loan secured by an asset. Borrow up to $50,000 over a maximum of 60 months with no penalty for early repayment.
  • Unsecured personal loans. Geneva Finance offers unsecured personal loans too, with slightly higher monthly repayments. You enjoy similarly flexible terms and borrowing abilities as with the provider’s secured personal loans.
  • Homeowner loans. If you own a home, you can stand to save on interest with Geneva Finance. Personal loans are available to homeowners at lower rates, with loans from $1,000 through to $50,000.
  • Car loans. Finance your new vehicle purchase with a loan from Geneva Finance. Depending on which licence you hold, you can get access to very competitive rates for amounts of up to $50,000 across a period of up to 60 months.
  • Business loans. Small- and medium-sized businesses can also get in touch with Geneva Finance for their borrowing requirements, including vehicle finance.

Features of a Geneva Finance personal loan

You get solid features when you apply for a loan at Geneva Finance, including:

  • Flexible interest rates. Loans are available at a range of interest rates, depending on your credit history and whether you are posting collateral, with secured loans qualifying for lower rates.
  • No penalties for early repayment. You can pay off a portion of the loan early, or repay the entire loan early, and save on interest. There are no penalties for early repayments at Geneva Finance.
  • Save when you apply online. Applying online can save you over 30% in fees; applying online is also an easy and quick way to start an application for a loan at Geneva Finance.
  • Choice of loan sizes. Geneva Finance offers both small loans and larger loans. The minimum you can borrow is $1,000 and the maximum is $50,000, subject to the lender’s criteria and your ability to repay.

How to apply for a personal loan from Geneva Finance

Geneva Finance offers an easy online application process. Once you’ve compared Geneva Finance’s offering to other New Zealand lenders, you can proceed to apply by clicking the green Go to Site button.

Eligibility requirements

  • Residency. Residents of New Zealand can apply.
  • Minimum income. Though the provider does not specify a minimum income level, you do need a regular income to apply for a loan.
  • Credit history. Geneva Finance will look at your credit and repayment history and will only lend to you if you have no history of bankruptcy, and present a suitable credit risk.

Necessary documents and information

  • Proof of identification. Valid identification will be requested, such as a driving licence or your passport.
  • Income and employment. You will need your income details, including the name of your employer and how long you have worked there.
  • Regular repayments and credit history. Disclose any existing repayments you have on loans as well as a summary of your credit history

Compare alternative personal loans in New Zealand

Data 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.
Max Loans Secured Personal Loan
6.99% - 29.95%
1 - 7 years
$0 to $10 depending on lender
$195 to $1,500 depending on lender
Eligibility: Be 18+, an NZ citizen/permanent resident, and have an income of least $400 per week.
Harmoney Unsecured Personal Loan
6.99% - 24.69%
3 or 5 years
$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 $70,000 with no early repayment fees.
LoanSpot Secured 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.
Secured personal loans from $3,000.
Better® Secured Personal Loan
6.95% - 23.95%
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.
Gem Secured Low Rate Personal Loan
6 months to 7 years
Eligibility: Be 18+, a permanent NZ resident and earning a stable income.
Secured, low-rate personal loans for those with an excellent credit history. Weekly, fortnightly or monthly repayment schedules and no fees for early repayment.

Compare up to 4 providers

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