How do I apply for a personal loan?

Whether you’re buying a car, renovating your home, consolidating debt or planning another purchase, Unity has personal loan options to help you get there.

Our secured personal loan rates start from 9.9% p.a.* and unsecured rates from 12.9% p.a.* The right option will depend on your circumstances and what you need the loan for.

Ready to get started? Apply online, call us on 0800 229 943 or email enquiries@unitymoney.co.nz.

We’ll talk you through your options and work with you to find a loan that suits your needs, including the amount you borrow, your repayments and your loan term.

What happens after I’ve submitted my application?

Our team aims to review your application and contact you within 1-2 working days of you submitting your personal loan application. During this process, we may require extra details or supporting documents, which we use to help us make an informed decision on your application.

For more information on your eligibility and the documentation you’ll need, please see ‘Am I eligible for a personal Loan?’ and ‘What information do I need to apply?’.


More frequently asked questions about our loans

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

If you have not found your answer, please feel free to contact us.


Want to know your options?

Try our personal loan calculator.