Money for whatever
life throws at you.
Whether it's a holiday, home reno, medical bill, or consolidating debt — FYN finds the right personal loan from 10+ lenders. Fast, fair, and fully transparent.
A personal loan for any of life's moments
There's no restriction on what you use a personal loan for. Here are the most common reasons our clients come to FYN — but if yours isn't listed, we can still help.
Overseas trips, domestic getaways, family holidays or a honeymoon — spread the cost over manageable repayments instead of draining your savings.
PopularNew kitchen, bathroom, deck or landscaping. Borrow what you need upfront and repay over 1–7 years without touching your mortgage.
PopularRoll multiple credit cards, hire purchase, or existing loans into one clear payment at a lower rate. Simplify your finances and save on interest.
Save moneySurgery, dental work, fertility treatment, or unexpected medical costs. Don't delay care because of upfront costs — we can help cover it quickly.
Fast approvalUpskill, retrain, or fund a qualification. Whether it's a trade course, university degree, or professional certification — invest in yourself.
Your big day shouldn't be limited by your bank balance. Finance your wedding, engagement party, or special celebration and repay it comfortably over time.
Job loss, broken appliances, emergency car repairs — life doesn't always give notice. A personal loan can bridge the gap when you need it most.
Fast approvalRemovalists, bond, furniture for a new place — moving is expensive. A personal loan covers the upfront costs so you can settle in without stress.
Funeral costs in NZ can exceed $10,000. We can arrange fast personal loan funding to help cover costs at one of life's most difficult times.
Sensitive, fastFridge, washer, dryer, TV — new appliances that can't wait. Finance them today and spread the cost rather than going without.
Fertility treatment is a significant investment. We work with lenders who understand the sensitivity and urgency — and can help you move quickly.
Sensitive, fastDon't see your reason listed? That's fine — personal loans are flexible. Get in touch and we'll find something that fits your situation.
Just ask usPre-approved in 4 easy steps
Quick online form — just the basics. No documents or paperwork upfront.
No credit check yetA FYN advisor calls within the hour, listens to your situation, and shops your options.
Within 1 hourWe submit to lenders and return with your approved rate and clear terms — no hidden fees.
Often same dayOnce you sign, money is sent directly to your bank. Same-day funding is often available.
Same-day availableWe say yes when
lenders say no.
Our panel includes lenders who take a much broader view of your situation than going direct to a single lender.
NZ residents 18+
Citizen, permanent resident, or work visa with a regular income source.
All employment types
Employed, self-employed, contractors, beneficiaries (WINZ, ACC, Super), or part-time workers.
Bad credit considered
Defaults, late payments, or a thin file don't automatically disqualify you with our specialist lenders.
Discharged bankrupts
We have lenders who can assist once you've been discharged. Talk to us about your situation.
FYN vs going direct to a lender
| FYN | Lender | |
|---|---|---|
| Compare multiple lenders | ✓ Yes | ✗ No |
| Bad credit considered | ✓ Yes | ✗ Rarely |
| One application only | ✓ Yes | ✗ Apply each time |
| Same-day funding | ✓ Often | Sometimes |
| WINZ / ACC income accepted | ✓ Yes | Varies |
| Cost to apply | ✓ Free | ✓ Free |
| Credit impact to check | ✓ None | ✗ Hard enquiry |
Estimate your repayments
Adjust the sliders to see what your personal loan might cost.
Your loan details
Trusted by Kiwis nationwide.
“Loan approved in 15 minutes — all they needed was my driver’s licence. Quick, simple, and completely stress-free. Communication was excellent throughout. Would absolutely recommend.”
“Best service I’ve dealt with. Always kept me up to date, made the process incredibly smooth. Stress-free from start to finish — 100% recommend to anyone needing finance.”
“Exceptional professionalism and dedication. Sincerely grateful for their help securing my dream car — reliable, transparent, and strongly client-focused from the very first call.”
Common questions
Ready to get started?
2 minutes to apply, 1 hour to hear back, same-day funding available. No credit impact to check your rate.