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Personal Loans with Credit One NZ

Personal Loans are a great way to consolidate your loans and credit cards into one easy to manage payment. With rates at an all time low we could save you thousands on interest.

Maybe you are dreaming of a holiday? Funding for your dream wedding or some much overdue home renovations? We can assist with so many options and the process is quick and easy.

What a personal loan could do for you...

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Reshape your finances

Simplify your finances with a debt consolidation personal loan from Credit One NZ.

Merge multiple debts into one manageable repayment, potentially lower interest costs, and gain control with fixed repayments and competitive rates.

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Renovation Loans

Fund your home renovation in New Zealand with a flexible renovation loan.

From minor upgrades to major remodels, Credit One offers tailored finance to bring your dream home to life with clear terms and fast approval.

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Wedding Loans

Plan your perfect day without compromising your budget.

Our wedding loan helps cover venues, catering, photography, and honeymoon - so you can celebrate now and manage repayments flexibly later.

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Holiday Loans

Turn your travel goals into reality with a dedicated holiday loan.

Whether it’s a family getaway or an overseas adventure, Credit One provides affordable finance to fund your trip sooner.

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Medical Loans

Get timely access to medical funds with a medical loan in New Zealand.

Cover everything from dental treatment and surgery to elective procedures — all through simple, transparent borrowing.

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Business Loans

Support your business growth with a flexible small business personal loan.

Ideal for start-ups or established ventures—use funds for equipment, inventory, cash flow, or expansion with tailored terms.

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Other Loans

Whether you need extra funds for education, moving costs, unexpected bills, or something unique, Credit One can tailor a solution to suit you.

With flexible terms, competitive rates, and fast approvals, we make it simple to borrow for life’s “other” moments.

Quick Quote

Get a quick quote in just ONE simple step!

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Repayment Amount: $0*

* Repayment amount is indicative only.

Getting a quote won't affect your credit score.

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Why choose us?

Convenience

We compare your financial needs with all of the lenders on our extensive panel to find the best option for you and your individual circumstances.

We compare your financial needs with all of the lenders on our extensive panel to find the best option for you and your individual circumstances.

Wide range of finance options

We have established relationships with 15 of New Zealand's most trusted lenders, including major banks and lenders not available directly to the general public.

We have established relationships with 15 of New Zealand's most trusted lenders.

Flexible loan options

Our premium finance solutions incorporate low upfront establishment fees, no ongoing fees, bank-beating interest rates. We can tailor a finance package to suit your needs.

Our finance solutions incorporate law upfront establishment fees, no ongoing fees, bank-beating rates.

No Waiting

Credit One offers 60 Seconds Online Finance Quotes as well as same day approvals using our simple, obligation-free Online Finance Applications.

Credit One offers 60 Seconds Online Finance Quotes and same day approvals.

7 days a week service

Our Finance Consultants are available 7 days a week for your convenience, give us a call today on 0800 300 500 or request a call back.

Our Finance Consultants are available 7 days a week for your convenience.

Confidence

We provide independent and unbaised service to get the best finance solution for you, that is why we have thousands of customers in the last eight years.

We provide inependent and unbaised service to get the best finance solution for you, that is why we have thousands of customers in the last eight years.

Here's what we can do for you.

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Caravan & Motorhome Finance

Credit One specialises in loans New Zealand wide for all types of recreational vehicles including RV's, campervans, camper trailers and motorhomes.

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A luxury boat on the ocean

Marine Finance

Credit One has years of experience organising loans and finance for charter boats, commercial boats, yachts, jet skis & commercial fishing vessels.

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Car Finance

We take the hassle out of looking for the best car loan rate. Your Credit One finance consultant will compare options for you, taking the fuss out of dealing with financiers.

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Truck Finance

Looking for finance to grow your business? Credit One offers competitive finance for businesses looking to fund the purchase of all types of truck and equipment.

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Construction vehicle

Equipment Finance

Minimise capital outlay and maximise your tax benefits, all while gaining immediate use of your new asset.

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Personal Loans

Get yourself a personal loan for debt consolidation, renovations, travel, or other personal goals.

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Need a fast tailored approval?

Our experienced brokers are here to secure the best-rate finance option for you!

Our finance specialists work for you and will save you time and money by comparing 15 reputed lenders nationwide to get you best-rate finance.

What our customers say about us

Golden stars from Google Reviews

Google Review

Graeham at CreditOne was amazing to deal with. It was easy and quick. Communication was excellent. I will recommend Graeham and CreditOne to anyone looking to finance any car or boat.

Jessica

Rated 5.0 by 200+ customers.

Golden stars from Google Reviews

Google Review

Great service, so easy to deal with. Highly recommend.

Alesia

Rated 5.0 by 200+ customers.

Golden stars from Google Reviews

Google Review

Great communication and support. Fast updates an fantastic service. I highly recommend Credit One ⭐ thank you.

Sandie

Rated 5.0 by 200+ customers.

Credit One is rated 5.0 for customer satisfaction by 200+ reviews.

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Yellow stars from Feefo

Top notch

Very quick and hassle free process Graeham is the man to deal with very stress free

Daniel

Feefo Gold Trusted Award.

Yellow stars from Feefo

Fantastic Service

Credit one provides an exceptional service, turnaround is quick, fees and rates are good, Just a pleasure to deal with for all your financing needs. Keep up the good work!

Keri

Feefo Gold Trusted Award.

Yellow stars from Feefo

Very professional and effective

Second time i have used Credit One, both times I have found them to be quick friendly and helpful a very professional service.

Wayne

Feefo Gold Trusted Award.

Feefo 5 star rated company

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Our Trusted Partners

Let our expert consultants compare hundreds of products on your behalf from our exclusive panel of lenders. With access to 15 of New Zealand's most trusted and reputable lenders, we will help your business save time and money.

UDC Marac Finance Now Oxford Finance Avanti Finance Orix Get Capital Auto Finance Direct CFS Finance Broadlands Partner Finance Lease Provident Insurance BFS Crombie