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Nobilo Finance loans

With interest rates starting at just 6.95% p.a., Nobilo Finance can help get the finance you need for personal or business use.

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Nobilo Finance
Nobilo Finance is a locally owned and operated loan broker that works with a range of lenders to find you the best loan agreement. This provider works with you to understand your current situation and can source finance for vehicles, business or personal reasons.

By making only one application, you can keep your credit report clear of multiple enquiries and ensure you are getting the right loan terms to suit your individual circumstances.

Nobilo Finance also gives back to the community, by donating a portion of each establishment fee to a charity.

Loans available from Nobilo Finance

Personal loans

Nobilo Finance can provide finance for a range of reasons including debt consolidation, travel, renovations or wedding costs. Personal loans require a vehicle to use as security against the loan, which must have a value equal to or greater than the amount you are requesting.

Vehicle loans

Nobilo Finance specialises in all types of vehicle loans. If eligible, you can obtain finance for a new car, caravan, motor home, trailer, truck, boat or jet ski. Your new purchase will be used as security against the loan.

Business loans

If you need finance to buy or start a business, for business capital, renovations, relocations, vehicles or equipment, Nobilo Finance may be able to help with a secured or unsecured business loan.

Features and benefits of a loan from Nobilo Finance

  • Personalised interest rates. Interest rates range between 6.95% - 24.95% p.a. for personal loans. Secured business loans come with an interest rate of 6.95% p.a. or 13% p.a. for unsecured loans. You can call for an estimate based on your circumstances before you make an official application.
  • Loan term. Loan terms range from 12 months to 5 years.
  • Loan amount. You can borrow from $3,000 to $250,000 if you have an asset to use as security.
  • Fast decisions. Nobilo Finance aims to give you a decision on your application within one hour.
  • Same-day payouts. Provided your loan documents are signed before 1pm, Nobilo Finance can transfer your loan funds on the same day.
  • Pre-approval. If you are purchasing a new vehicle, you can apply for pre-approval so you know how much you have to spend.
  • Cool-down period. After you have signed your loan contract, you have five days to review the agreement.
  • Charity donation. A portion of your establishment fee will be donated to a charity of your choice.

How much does the loan cost?

When looking at the total cost of a Nobilo Finance loan, both interest and fees need to be taken into consideration.

Interest

When you apply for a personal loan from Nobilo Finance, you will be assigned an interest rate based on your credit score. If you have a strong credit history, your interest rate will be between 6.95% and 9.95% p.a.

If you have a history of bad credit or are deemed a high-risk individual, your interest rate will sit between 11.95% and 29.00% p.a. Lower rates are often given to applicants that are a homeowner.

Fees

All loans have an establishment fee that will be added to the cost of your loan. This can range between $395 - $525 for applicants with a clean credit history. Fees may be higher for bad applicants and depending on which lender Nobilo Finance is able to secure a loan through.

A Personal Property Securities Register (PPSR) fee of $10.35 or $19.34 is charged on all loans.

In addition to the establishment and PPSR fees, further fees may apply to your loan depending on the lender. These are disclosed on your loan agreement.

How to apply for a loan from Nobilo Finance

Firstly complete an application form on the Nobilo Finance website, then someone will call or email you to discuss your needs. Your loan will be reviewed on the same day and processed before 5pm. It may even be processed within one hour if there are no issues. If given the go ahead, Nobilo Finance will finalise your documents, send them to you for signing and pay the seller directly.

Eligibility requirements

  • Be at least 18 years old (if 18-21 a parental guarantor required)
  • Be a New Zealand citizen, permanent resident or have a relevant work visa (only secured loans are available to those on work visas)
  • Be in permanent part-time or full-time employment
  • Have no unpaid defaults over $2,000
  • Earn at least $500 per week
  • Hold a restricted or full driver’s licence for vehicle loans

You will also need a guarantor if you have a learner licence.

Information and documentation

During your application, you will need to supply information on your employment, income and expenses.

The only document required in most cases for a vehicle or personal loan is a photo ID, but you may also need to provide proof of your income once Nobilo Finance has checked your credit score.

If you are applying for a business loan, you will need your recent financials and bank statements. If you don’t have these, Nobilo Finance may accept reports from MYOB or Xero.

Once you have submitted your application, Nobilo Finance will run a credit check and match you with a lender that can offer the best terms based on your individual circumstances. You can expect to get a response within one hour if no further information is required.

Compare alternative personal loans

Name Product Interest Rate (p.a.) Min. Loan Amount Max. Loan Amount Loan Term Monthly Service Fee Establishment Fee
100% ONLINE
The Lending People Personal Loan
6.95% - 26.95%
$2,000
$75,000
1 to 7 years
$0 - $10 depending on lender
$50 to $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.
Harmoney Unsecured Personal Loan
6.99% - 19.99%
$2,000
$70,000
3 or 5 years
$0
$200-$350 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.
FROM 6.99%
The Co-operative Bank Unsecured Personal Loan
6.99% - 19.99%
$3,000
$50,000
6 months to 5 years
$0
$200
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
5.03% -19.30%
$2,000
$200,000
2, 3 or 5 years
$0
$200 - $1,450 depending on the amount borrowed
Eligibility: Be a 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%
$1,000
$25,000
6 months to 4 years
$0
$240
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
49.95%
$1,000
$5,000
8 - 52 weeks
$4
$50
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 $1,000 to $5,000 with no hidden fees.
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