Nectar Money

27/01/2026

Applying for your first personal loan can feel like a big step and we can help you every step of the way. It is important to understand how personal loans work and what your commitment is - read more in our article.

https://nectar.co.nz/what-you-need-to-know-when-you-apply-for-your-first-loan/

19/01/2026

Budget blow-outs over Christmas and the summer holidays, and back to school expenses can all start piling up in the New Year. It can sometimes feel overwhelming.

If you're struggling to get on top of your festive splurges, read our article for some tips on how to tackle your holiday debt.

https://nectar.co.nz/paying-off-christmas-debt/

16/12/2025

Financial wellness is more than just having enough money to pay your bills. It’s about achieving peace of mind regarding your financial future while balancing day-to-day needs. With the right tools and strategies, anyone can build a strong financial foundation. Check out our guide to help you achieve financial wellness. *Responsible lending checks apply.

https://nectar.co.nz/top-financial-wellness-tips/

11/12/2025

In line with recent Reserve Bank interest rates cuts, we're happy to offer our customers personal loan interest rates starting from 9.95%. With 97% of our loans funded on the same day, what are you waiting for? Apply online today.

*Responsible lending checks apply.

https://app.nectar.co.nz/apply/getstarted

23/11/2025

Need a little extra cash or want to use more of your approved loan limit later? Introducing our Top Up & Flexi Drawdown loan feature. Existing Nectar Money customers can enjoy the following benefits:

1) Top Up your existing loan - if your repayments are up to date, you may be eligible to Top Up your existing balance. Top Ups are subject to an updated application and affordability/responsible lending checks. Minimum amount $1,000.

2) Flexi Drawdown within 60 days - if your application was approved for a higher limit, you can draw down the remainder any time within 60 days, without submitting a new application.

We love providing our customers with flexibility. Read more: https://nectar.co.nz/top-up/

*Responsible lending checks apply.

11/11/2025

Need to build your credit history? We offer you the ability to apply for a Credit Builder Loan, a short-term, interest-free way to grow your credit profile (without the stress). We offer you a small loan for a short time period. If your application is accepted, your on-time repayments will be reported to NZ credit bureaus to help you grow your credit profile.

Read more: https://nectar.co.nz/credit-builder/

*Responsible lending checks apply.

21/10/2025

We've recently updated our blog post about the things you need in order to apply for a personal loan online in NZ. A helpful read for first time applicants, and those wanting to streamline their application. Read more.

*Responsible lending checks apply.

https://nectar.co.nz/tips-on-what-you-need-to-get-a-personal-loan/

08/10/2025

Reducing electricity bills is a topical issue for many Kiwi homeowners, and increasingly they are turning to solar energy to power their homes. The upfront costs of solar panel installations can be daunting. A personal loan enables costs to be spread, making renewable energy more accessible for more homeowners. Read our blog for more.

*Responsible lending checks apply.

https://nectar.co.nz/solar-loans-to-power-your-home/

23/09/2025

Spring is traditionally a busy time of year for homeowners. And for homeowners looking to sell up, it can be difficult to know what tasks to tackle ahead of your first open home. Read our blog to find out what improvements will attract the best sale price for your home.
*Responsible lending checks apply.

https://nectar.co.nz/renovating-for-resale/

07/09/2025

Spring is upon us! Spring is the perfect time to take stock in all aspects of our lives. And getting your personal finance affairs in order shouldn't be left off the list. Read our blog for guidance on reviewing your budget and financial goals. *Responsible lending checks apply.

https://nectar.co.nz/personal-finance-spring-clean/

21/08/2025

August is Sorted Money Month, coordinated by .govt.nz. This year, they’re focusing their efforts on building the resilience of New Zealanders by encouraging emergency savings. We have a popular article around setting or reviewing your household budget, which touches on the importance of putting money aside for emergencies. Read more:

https://nectar.co.nz/set-your-household-budget/

*Responsible lending checks apply.

13/08/2025

We've updated our blog post about how to apply for a personal loan online in NZ. Super helpful for first time applicants, or anyone wondering about how the process works. Read more:

https://nectar.co.nz/online-applications-borrow-money-new-zealand/

*Responsible lending checks apply.

Nectar enables you to borrow money without leaving your home - complete our secure online application and verify your information.