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

Nobilo Finance loans

With interest rates starting at just 6.85% p.a., Nobilo Finance can help get the finance you need for personal or business use.

No reviews yet. Write a review

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 start at 6.85% p.a. for secured personal loans. Secured business loans come with an interest rate of 6.85% p.a. or 7.95% 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 6 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.


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 history of bad credit or are deemed a high-risk individual, your interest rate will be on the higher end. Lower rates are often given to applicants that are a homeowner.


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.) Loan Amount Loan Term Monthly Service Fee Establishment Fee Offer
AA Money Secured Personal Loan
AA Money Secured Personal Loan
9.95% - 17.95%
$3,000 - $50,000
12 to 36 months
Requirements: NZ citizen/permanent resident, have a stable income.
Harmoney Unsecured Personal Loan
7.99% - 22.99%
$2,000 - $70,000
3, 5 or 7 years
Requirements: NZ citizen/permanent resident, have a good credit score.
FROM 6.99%
The Co-operative Bank Unsecured Personal Loan
6.99% - 17.75%
$3,000 - $50,000
6 months - 5 years
Requirements: NZ citizen/permanent resident or have a valid work visa.
Lending Crowd Personal Loan
6.45% - 19.30%
$2,000 - $200,000
2, 3 or 5 years
$350 - $650 depending on the amount borrowed
Requirements: NZ citizen/permanent resident, have a good credit score.
Nectar Unsecured Personal Loan
8.95% - 29.95%
$1,000 - $30,000
6 months to 4 years
Requirements: NZ citizen/permanent resident, have an income of $400/week, stable credit history.
Save My Bacon Unsecured Flex Loan
$2,000 - $5,000
12 to 36 months
Requirements: NZ citizen/permanent resident or have a valid work visa, have an income of at least $400/week.

Compare up to 4 providers

More guides on Finder

Go to site