Get smart, with a low rate personal loan.

Calling all visionaries, romantics, go getters and jet setters. We can help you get the most out of life while paying the least on your personal loan. Great loans for those with great credit on amounts between $3,000 and $70,000.

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How our interest rates stack up

When we say we offer great rates for great borrowers, we mean it. With rates starting at just 8.95% p.a. we'll help you get the most out of life. Have a look at the table below to see how our rates stack up.

SECURED LOANS FROM

8.95%p.a MINIMUM $3,000

Affordability and credit
criteria apply

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UNSECURED LOANS FROM

9.95%p.a MINIMUM $3,000

Affordability and credit
criteria apply

Apply Now

Why borrow through Squirrel Money?

Great rates

If you’ve got good credit, we’re pretty certain you won’t find better rates elsewhere. And the rate is fixed for the life of the loan so your repayments won’t change.

Flexibility and choice

Choose a loan term of 2, 3 or 5 years and a payment frequency that works for you. Plus we won’t sting you for paying your loan back in full whenever you like. Borrow from $3,000 to $70,000. That should be enough to replace that hideous carpet in the living room.

Low fees

Our fees are easy to understand and very competitive. Check them out for yourself here. You can even repay your loan in part or in full whenever you like at no extra cost. 

What you'll need to apply

Your whole application is done online in a matter of minutes, so you can do it anywhere, anytime. Just make sure you have the following items handy. An online banking account (or 3 months’ bank statements and payslips) and a NZ Driver’s license or NZ Passport.

Our Interest Rates

Grade
2 Year
3 Year
5 Year
A B C D E
8.95% p.a. 10.95% p.a. 12.95% p.a. 14.95% p.a. 15.95% p.a.
9.45% p.a. 11.45% p.a. 13.45% p.a. 15.45% p.a. 16.45% p.a.
9.95% p.a. 11.95% p.a. 13.95% p.a. 15.95% p.a. 16.95% p.a.
A B C D E
9.95% p.a. 11.95% p.a. 13.95% p.a. 15.95% p.a. 16.95% p.a.
10.45% p.a. 12.45% p.a. 14.45% p.a. 16.45% p.a. 17.45% p.a.
10.95% p.a. 12.95% p.a. 14.95% p.a. 16.95% p.a. 17.95% p.a.
Example: A borrowed amount of $10,000 over 2 years would result in repayments of $473 per month at 8.95% p.a. based on our highest A Grade risk grading. This monthly repayment includes a $250 Establishment fee.

What we look for?

We're not the right lender for everyone. Our focus is on high quality borrowers who pass the following creditworthy checks with flying colours.

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