Live life at your rate.

Make your money work harder so you don’t have to. We make it easy to connect your money, on your terms to borrowers with great credit.

Loan Shield

Our current market interest rates

  • 7.89% p.a
  • 8.43% p.a
  • 8.89% p.a
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Minimum investment order amount is $500. Rates shown are after fees but before the deduction of resident's withholding tax. Rates are indicative only and will depend on bids made and accepted.

Why invest with Squirrel Money?

Great returns

Investors choose their minimum desired interest rate between 7-9% p.a.

Loan Shield

Loan Shield (our reserve fund) helps protect against missed borrower repayments and defaults, provided there are sufficient funds available. 
Find out more here.

Flexibility and control

Investors choose a 2, 3 or 5 year term and our Secondary Market allows you to sell an investment and access your money early. Find out more here.

Easy and convenient

We have a fast, easy, online registration process and a mobile app to manage your ongoing investments.
Get started now.

Like what you see? Read more about investing with Squirrel Money here

Current Reserve Fund balance


Loan Shield - 100% return of scheduled capital and interest repayments to date

Our number one priority is looking after your invested money. One of the main ways we do this is through our reserve fund (Loan Shield) which has ensured that since launching in 2015 we've not missed one repayment to an Investor, not even by a day. Despite our 100% track record to date, we need to be clear that past performance is not a guarantee of the future. 

Find out more

Current marketplace summary

What sort of return can I expect with Squirrel Money?

Investors in the Squirrel Money platform have locked in an average investor interest rate of approximately 8.6% p.a.1 with investments made over 2, 3 and 5 years. This return compares pretty favourably against the returns achieved across alternative asset classes in New Zealand. Squirrel Money's technologically advanced lending platform enables a lower cost operating model, with the benefit passed through to both investors in the form of higher returns and borrowers with lower interest rates on loans. With regular monthly principal and interest repayments, investments in Squirrel Money can be used as a source of regular income. The chart to the right illustrates the repayment profile of a $10,000 loan over five years at an investor interest rate of 8.5% p.a.

The below table provides a summary of the indicative repayments an investor can expect to receive across varying levels of investment in a 5-year loan at an investor interest rate of 8.5% p.a. (before tax).

How a 5 year loan (investment) repays

1 The investor interest rate is pre-tax. It is lower than the interest rate paid by a borrower, due to the margin paid to Squirrel Money (between 1.0% - 3.0% p.a.) and the applicable reserve fund levy. Investor returns can vary between investment terms.
Investor Repayments* 1 year  2 years 3 years 4 years 5 years Total
$10,000 Investment Interest Principal Investor Repayments   $793 $1,541 $2,333   $652 $1,744 $2,396   $496 $1,970 $2,466   $319 $2,226 $2,545   $119 $2,518 $2,637   $2,377 $10,000 $12,377
$50,000 Investment Interest Principal Investor Repayments   $3,963 $7,704 $11,666   $3,259 $8,722 $11,981   $2,479 $9,850 $12,330   $1,593 $11,133 $12,726   $592 $12,591 $13,183   $11,886 $50,000 $61,886
$200,000 Investment Interest Principal Investor Repayments   $15,851 $30,814 $46,665   $13,034 $34,890 $47,924   $9,917 $39,401 $49,318   $6,372 $44,530 $50,903   $2,370 $50,364 $52,734   $47,544 $200,000 $247,544

*This summary assumes repayments are received on a monthly basis and include both principal and interest. Repayments may be at other regular intervals based on the terms of the loan.

Value of loans funded
Active investors
Average Investment

Manage your investment anywhere, anytime.

Once you’ve set up your investment entity in our platform, the Squirrel Money app will let you quickly and easily manage your ongoing investments. Manage. View. Stay updated. All of this power in the palm of your hand.

Investing with Squirrel Money

Thinking about investing? Our Investor Booklet has everything you need to know. In here you can read up about how we look after your money and exactly how Loan Shield works, how we carefully select our borrowers, everything you want to know about how peer-to-peer works and how we manage risk. Download your copy now.

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