Personal loans

Flexible personal loans with fast decisions and options for a wide range of situations.
Apply now
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Built for New Zealanders

Whether you're consolidating debt, covering an unexpected cost, or planning ahead, Nomu makes personal loans simple and straightforward.
Apply online in minutes and borrow from $3,000 to $100,000 over 1 to 7 years, with fast decisions and funding typically available within 24 hours of approval.

Personal loans that work for you

Vehicle finance

Finance for all types of vehicles.

Debt consolidation

One loan, simple payments.

Home improvements

Finance for home renovations.

Life events

Finance life's important moments.

Helping out family

Get financial help when it matters.

Holiday & travel

Make memories happen.

How it works

Follow our three easy steps.

1

Apply online
Tell us how much you need and what it's for. It takes just a few minutes to complete your application.

2

We find you options
Our platform analyses your situation and identifies the options suitable for your profile.

3

Choose & proceed
Review rates and terms, choose your preferred lender. Funds are typically available within 24 hours.

Calculate your loan repayments

Get an estimate of what your loan could cost.

Loan amount
Loan term
Interest rate
Estimated repayment
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$

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Apply now

Personal loan rates and terms

What you need to know about borrowing.

Loan amounts

$3k - $100k

AI matching

Fast decisions

Interest rates

from 8.45% p.a.

Fast funding

Same day*

Loan terms

1 to 7 years

*Same day funding for applications before 12pm with documentation. Fees from $215 apply.

What our customers say

See how we've helped people in situations like yours.

May 2026
Bryan, Auckland
Verified Customer
Very quick turnaround and explained my loan clearly. Will definitely use again.
May 2026
Oli, Auckland
Verified Customer
Couldn't have gotten my new boat without Nomu Finance. So quick and easy to apply.
Apr 2026
Elisva, Auckland
Verified Customer
Needed help before a weekend move. Super easy process and really quick turnaround.
Apr 2026
Amber, Gisborne
Verified Customer
Nomu helped consolidate my debts and explained everything clearly from the start. Having a better structure in place has made a real difference financially.
Mar 2026
Erika, Stratford
Verified Customer
Craig was extremely helpful right from the start and did his utmost to secure me a loan, even with my poor credit rating. The whole process was easy and stress-free.
Mar 2026
Nigel, Auckland
Verified Customer
Needed a fast loan for car repairs and Nomu Finance had it paid out the night before. Great support throughout and the process was simple.
Mar 2026
Tumau, Dunedin
Verified Customer
I did not have a straightforward situation, but Nomu Finance helped find a way through. Approved at the dealership so I could drive away the same day.
Mar 2026
Brenda, Morrinsville
Verified Customer
Nomu Finance helped me consolidate my debts into something manageable. Lower repayments and some extra breathing room, which made a big difference.
Feb 2026
Britney, Invercargill
Verified Customer
Nomu Finance kept me updated throughout and made the whole process easy. Even when things changed, they were there to help sort everything out.

Why choose Nomu?

AI-powered technology that makes borrowing simpler and faster.

Dashboard mockup

AI-powered matching
Our platform analyses your application and identifies the finance options best suited to your situation - faster than traditional processes allow.

Built for New Zealand
We're a New Zealand company. We work with NZ lenders, and we serve NZ borrowers. Local ownership, local support, local focus.

Transparency & trust
No hidden fees or confusing jargon. We are upfront about how we work and how we're paid. No uncertainty, just clarity at every step.

Finance for every situation

Choose the loan that matches your needs

Debt consolidation

One loan, simpler repayments

Home & renovation

Upgrade or repair your home

Life events

Finance life's big moments

Family support

Be there when needed

Holiday & travel

Make memories happen

Still have questions?

Get help with your loan application.

Contact us
What can I use a personal loan for?
How does Nomu work?
How much can I borrow?
What documents do I need?
What happens after I apply?

Ready to get started?

See how AI-powered lending can make your borrowing journey simpler.
Apply now