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Nectar offers loans for New Zealand residents or permanent residents

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Nectar offers loans that are faster than a bank, easier than credit cards and cheaper than finance companies.

Like most bank loans, personal loans through Nectar amortise over time with simple, equal (monthly, fortnightly or weekly) payments.

The highly automated technology allows you to complete the process 100% online and if approved, receive a loan offer instantly.



  • Be 18 years old or over.
  • Be a New Zealand citizen or permanent resident.
  • Have a New Zealand drivers license or NZ passport.
  • Have a New Zealand bank account.
  • Have an income of $400 per week (after tax) or greater.
  • Not have any significant unpaid defaults or previous bankruptcies.

Terms and Fees

  • The loan is interest free
  • Equal (Monthly, Fortnightly or Weekly) Payments,
  • No repayment penalties
  • 7 minute application process
  • Flexible repayment periods from 6 – 24 months.
  • Nectar establishment fee of $240.00 NZD.
  • Arrangement fee is 3% of the total loan amount payable to Learning People. The arrangement fee is separate and additional to any Learning People quoted course fees.

Speak to a career expert

To get started with course enrolment or ask any questions about the application process, simply get in touch today for a no-obligation careers consultation.

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