How do I apply for a loan?

Whether you’re using it for a new car, to renovate your homeconsolidate your debts or for something else, at Unity we offer some of the lowest rates on personal loans in New Zealand^, with both 9.9% p.a.* secured loans and 12.9% p.a.* unsecured loans.

No matter what you’re using your loan for, applying for one of our competitive interest rate loans couldn’t be easier. Simply apply for a personal loan online and fill out our online loan application form, or call us on 0800 229 943.

Alternatively, just send us a message and one of our helpful customer service team members will work with you to determine the exact details of your loan including amount, repayments, and the terms so that you receive a loan that best suits you and enables you to live your best financial life.

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 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?’.

^Source: as published on as at 29 September 2021.


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.