Geneva Finance Logo

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Geneva Finance personal loans

Geneva Finance provides competitive rates for car loans and unsecured personal loans.

Borrow up to $75,000 via Geneva Finance, which specialises in arranging unsecured personal loans and vehicle finance to individuals 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 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 $75,000 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.
  • 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 $75,000 across a period of up to 60 months.

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 38% 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 $3,000 and the maximum is $75,000, subject to the lender’s criteria and your ability to repay.
  • Establishment fee. Depending on the reason for the loan a fee between $50 and $345 will be charged to process your application.

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 head to the lender’s website to start your application.

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

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% - 19.99%
3, 5 or 7 years
Eligibility: Be an NZ resident/citizen and have a good credit score.
Apply for an unsecured personal loan up to $70,000 with no early repayment fees.
FROM 6.99%
The Co-operative Bank Unsecured Personal Loan
6.99% - 17.75%
6 months to 5 years
Eligibility: Be 18+, an NZ citizen/permanent resident, or have a valid work visa.
Floating-rate, unsecured personal loans from $3,000.
Lending Crowd Personal Loan
6.45% - 19.30%
2, 3 or 5 years
$350 - $650 depending on the amount borrowed
Eligibility: Be an NZ resident/citizen and have a good credit score.
Secured and unsecured personal loans from $2,000 to $200,000. 100% online with no paperwork or early repayment fees.
Nectar Unsecured Personal Loan
8.95% - 29.95%
6 months to 4 years
Eligibility: Must be 18+, an NZ citizen or permanent resident, have an income of $400 per week or more (after tax) and a stable credit history.
Unsecured loans from $1,000 with payouts made within one day of approval. Applications entirely online.
Save My Bacon Unsecured Flex Loan
12 to 36 months
Eligibility: Be 18 or over, have an income of at least $400 per week and be a NZ citizen, permanent resident or have a valid work visa.
Medium-term unsecured loans from $2,000 to $5,000 with no hidden fees.

Compare up to 4 providers

More guides on Finder

Go to site