Nomu Finance uses AI-powered technology to match you with the right lender, fast. Instead of applying to multiple lenders individually, our platform analyses your application against our panel and shows you who's likely to say yes. One application, multiple lenders, faster decisions. Built in New Zealand, for New Zealand borrowers.
There's no cost to apply or get approved. If you accept a loan and it's funded, we may charge an Introducer Fee. Lenders may also charge an Establishment Fee. All fees are disclosed upfront before you proceed.
You'll need to be at least 18 years old, a New Zealand citizen, permanent resident, or have a valid work visa. You must also have regular income
The application takes about 5 minutes. We typically review and submit to lenders as soon as you have completed the application and provided the required documentation. Once approved, funds are usually available within 24 hours.
Between $3,000 and $100,000. The exact amount depends on your income, expenses, credit history, and which lender you're matched with.
Most things. This includes buying a car, consolidating debt, home improvements, or other personal needs. We'll help match you with lenders who specialise in what you're after.
Rates from our lender panel range from 8.99% to 29.95% p.a. Your rate depends on your credit history, income, loan amount, and the lender you're matched with. We'll show you the rate before you commit.
A secured loan uses an asset (like a car) as security to get the loan. Generally, a secured loan has lower interest rates and terms, but the lender can take possession of the asset to recover outstanding debt, if you don't repay.
An unsecured loan doesn’t require an asset. An unsecured loan may have higher rates because there's more risk for the lender. We offer both secured and unsecured loans.
Both types may have fees if you miss payments or default on your loan.
All fees are shown upfront before you proceed and will be clearly outlined in our disclosure and the loan offer from our finance partner. Fees may include an introducer fee, an establishment fee and account maintenance fees. We’ll provide a comprehensive breakdown of all application fees before you commit to a loan.
No. Our initial application doesn't affect your credit score. A credit check will only impact your score if you decide to proceed with the application. Managing a personal loan well (By making full, regular on-time payments) may help improve your credit score over time, as it shows good financial behaviour. However, loans can negatively affect your credit score if you miss payments or you default on the loan.
Yes. If you can provide evidence of your income and your ability to repay the loan, our lending partners are happy to consider your application.
You will need to provide a photo ID (driver's license or passport), recent bank statements (3 months), and proof of income (bank statement, pay-slips, employment letter or tax returns). We require these documents in order to assess your loan application and to comply with New Zealand regulations. Once you apply we will let you know if other documents are required.
Yes. You'll get SMS and email updates throughout the process.You can access your online portal for updates, or you can contact us directly.
We review your application, match you with suitable lenders from our panel, submit your application to them, and keep you updated on their responses.
Yes. We use bank-level encryption to protect your data and comply with New Zealand privacy laws.
Only lenders we've identified as potentially suitable for your situation. We'll tell you which lenders we're approaching before we submit.
Most lenders use direct debit from your bank account. Your lender will provide full repayment details and options.
Your loan has a ‘cooling-off period’ where you can review and if necessary, cancel your contract. Please check your loan agreement for specific terms.
Insurance that covers your loan repayments if you can't work due to sickness, injury, or redundancy. The cost is added to your loan amount if you choose it.
For vehicle loans, we can also offer Mechanical Breakdown Insurance and Guaranteed Asset Protection. All insurance is optional.
PO Box 25875
St Heliers
Auckland 1071