Flexible personal loans secured from 9.90% _p.a.*

Get the money you need for the things you want with a Unity personal loan. 100% online application.

Flexible personal loans secured from 9.90% _p.a.*

Get the money you need for the things you want with a Unity personal loan. 100% online application.

Secure your financial future

At Unity, we understand financial flexibility is essential when pursuing your dreams and managing life's unexpected expenses. That's why we offer personal loans - designed to help you achieve your goals, while being financially responsible.

To ensure the best possible lending experience with us, we have a couple of important requirements. Find out more.

Membership	Loan value	Loan value
	Secured loan	Unsecured loan
New members	Up to $60,000	Up to $40,000
Existing members	Up to $60,000	Up to $40,000

Could you be conditionally approved?

Find out if you could be eligible for a personal loan in just a few minutes.

Find out here

Personal finance rates

Our interest rates are priced using a risk matrix that takes into consideration a range of factors including an individual's credit score and affordability. Based on the assessment of an individual's financial information we will assign a risk grade and the corresponding interest rate could apply.

Grade	Interest rate p.a.^	Interest rate p.a.^
	Secured loan	Unsecured loan
Green A	9.90%	12.90%
Green B	11.90%	14.90%
Blue A	13.90%	16.90%
Blue B	15.90%	18.90%
Yellow A	17.90%	20.90%
Yellow B	19.90%	22.90%
Orange A	21.90%	24.90%

^Note: These interest rates are indicative only and may be subject to change without notice.
As published on interest.co.nz as at 31 January 2024.

View our interest rates and fees here. For information on our loan agreements and terms and conditions click here.

Personal loan calculator

Interest rate

9.90% p.a

Amount I want to borrow

Weekly repayments

$2,000 $40,000

How much could you save by consolidating your debt with our low interest rate?

Enter your current interest rate % p.a

you could save ^†

Apply now

^†Over the full term of the loan you could save this amount in interest.

This example is calculated using a secured loan rate of 9.90% p.a. over a [repayment-years] year term. Total cost of borrowing over loan term would be [total-repayments] (indicative only). This example is not an offer from Unity. How much you can borrow and repayments depend on your personal circumstances. Secured floating interest rates from 9.90% - 21.90%. T&Cs apply. $200 approval fee + other fees apply. View a full list of rates and fees.

When applying for a loan it's important to consider all of the costs involved. Below is an example of the total costs included over the term of a secured vehicle loan:

Personal borrowing

$20,000

Approval fee

$200

Third-party charges

$29.44

Total borrowed

$20,229.44

Set up over a term of 7 years (366 weeks) at 9.90% p.a. interest = weekly repayments of $77.26

This example is calculated using a secured rate of 9.90% p.a. over a 7 year term. Total cost of borrowing over loan term would be $28,122.22 (indicative only). This example is not an offer from Unity. How much you can borrow and repayments depend on your personal circumstances. Secured floating interest rates from 9.90% - 21.90% T&Cs apply. $200 approval fee + other fees apply. View a full list of rates and fees.