Zealy Personal Loans | Rates and Fees | Finder NZ
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Zealy Unsecured Personal Loan

Last updated:  

No need to wait around for an answer. Zealy will tell you if you are approved or not within 60 seconds.

Powered by The Lending People, Zealy provides online unsecured personal loans to New Zealanders. Being 100% online, the loan process is quick and stress-free, and you can enjoy lower fees since there are no shopfronts or high overheads to take into consideration.

Whether you are looking for a personal loan for car repairs, travel, dental work, home renovations, pet care or to buy an engagement ring for that special someone, Zealy offers unsecured loans of up to $10,000 with 36 months to pay.

12.99% - 24.99%

Interest Rate (p.a.)


Max. Loan Amount


Minimum Credit Score


Product NameZealy Unsecured Personal Loan
Interest Rate (p.a.)12.99% - 24.99%
Min. Loan Amount$5,000
Max. Loan Amount$1,000
Loan TermUp to 36 months
Turnaround TimeSame day
More Info

Features and benefits of a Zealy loan

  • 60-second decisions. Once you submit your application form you’ll get a response within 60 seconds. This is applicable to both applications made during business hours and after hours.
  • Personalised rates. Zealy loans have an interest rate of between 12.99% - 24.99%. The rate you receive will be based on your credit score and current financial situation.
  • Overnight payments. Your loan will be credited to your bank account overnight, but in some cases, you may have money in your account the same day you apply.
  • Loan amount. You can borrow between $1,000 and $5,000 when you take out a personal loan with Zealy.
  • No early repayment penalty. If you pay back your loan early, you won’t be penalised with early settlement fees.
  • 100% online. Zealy Unsecured Personal Loans are 100% digital so you don’t need to leave home to sort out your finance.
  • Unsecured loans. All Zealy Unsecured Personal Loans are unsecured, so you can still apply even if you don’t have any assets.
  • Loan top-ups. As long as you have a good repayment history, you can top up your loan after 6 months.
  • Credit Contract Indemnity Insurance (CCI). This optional insurance covers your loan repayments when you are not able to. When an unexpected event such as an accident, terminal illness, disablement, death or redundancy occurs, you can have peace of mind that your payments are taken care of without putting a burden on your family or credit score.

How to apply for a loan from Zealy

Before applying for a Zealy Unsecured Personal Loan, make sure to check the interest rate, fees and features against other comparable lenders. If you meet the eligibility requirements and are ready to start your application, head to the Zealy website and click on ‘Apply Now’.

Eligibility requirements

  • Be 22 years of age or older
  • Be a New Zealand citizen or resident
  • Be employed
  • Have an acceptable credit history
  • Have a New Zealand Driver’s Licence or passport for ID verification

Information and documentation

When you complete the application form you will be asked to enter your personal details, income and expense information. You will also need to upload a copy of your photo ID.

So that Zealy can verify your income and expenses, you will need to have internet banking and give permission for Zealy to access it. This is done securely using bank-grade technology.

Zealy is not able to see your password or do anything other than view the last 90 days of bank statements.

Zealy does not accept emailed bank statements so if you are not comfortable with your income being electronically verified then a Zealy personal loan may not be for you.

Once you submit your application you will receive a credit decision within 60 seconds. You can then review your loan agreement and sign your contract online from your laptop, tablet or mobile phone.

Compare personal loans

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.
Lending Crowd Personal Loan
5.03% -19.30%
2, 3 or 5 years
$200-$1,450 depending on the amount borrowed
Eligibility: Be an 18+ NZ permanent resident, have a good credit history and collateral/security.
Secured and unsecured personal loans from $2,000 to $200,000. 100% online with no paperwork or early repayment fees.

Compare up to 4 providers

Go to site