Flexible personal loans secured
from 7.90% 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 7.90% p.a.*

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

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Loan details

Loan value

$2K - $60K

Loan term

1 - 7 years

Interest rates

7.90 - 20.90% p.a.

Approval fee



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


Approval fee


Third-party charges


Total borrowed


Set up over a term of 7 years (366 weeks) at 7.90% p.a. interest = weekly repayments of $72.05.

This example is calculated using a floating [secured] rate of 7.90% p.a. over a 7 year term. Total cost of borrowing over the term of this loan would be $26,387.13 (indicative only). This example is not an offer from Unity.  The amount you can borrow, loan term, interest rate and your repayments will vary depending on your personal circumstances. Secured floating interest rates from 7.90%p.a. to 19.90% p.a. Terms and conditions and responsible lending criteria apply. Once funded a $200 approval fee and other fees will apply. Click here to view all rates and fees.

What can I use a personal loan for?

The short answer? Absolutely anything! You could consolidate your debtsPurchase a new car. Or renovate your home. The choice is yours. 

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Debt consolidation

Save time and money. Combine your debts into one monthly payment with a debt consolidation loan.

Car & vehicle loans

Car & vehicle

Whether you're buying new or used, our pre-approved vehicle finance helps get you on the road in record time. 

Holiday & travel loans

Holiday & travel

Explore the world or your own backyard with our travel loans. Just don't forget to send us a postcard!

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Home renovation

Adding value? Or adding more room for the whānau? It's all possible with our home renovation loans.


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. Check out our helpful finance guides for more information.


Secured loan

Unsecured loan

GradeInterest rate p.a.^Interest rate p.a.^
Orange A 7.90% 8.90%
Orange B 9.90% 10.90%
Yellow A 11.90% 12.90%
Yellow B 13.90% 14.90%
Green A 16.90% 17.90%
Green B 19.90% 20.90%

^Note: These interest rates are indicative only and may be subject to change without notice.
As published on interest.co.nz as at 12 July 2022.

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


Have any questions?

You may find the answer on one of the pages below:

If you can't find an answer, please feel free to contact us.

Helpful finance guides

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What should I know before applying to a lender?

You’ve shopped around and you’re ready to apply! Before you do, there are a few things you should consider. Keep reading to learn how you could save time and money.


Secured or Unsecured Personal Loans?

Secured vs unsecured - what’s the difference?

We offer secured and unsecured personal finance. But what's the difference? Click through to find out how each loan type affects your interest rate and total limit. 


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What should I look for in a financial provider?

Not all providers are created equal. Interest rates and terms vary, so how do you know which is right for you? Read on as we share the five things you should consider. 


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Nine questions every Kiwi should ask before applying

Considering a loan? Chances are you have some questions. But are they the right ones? Keep reading for the list of questions you should be asking before applying for a loan.



Looking for more info? Check out our other guides