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See what your loan could cost

South Pacific Loans offers personal loans from $1,000 to $20,000 with flexible weekly, fortnightly or monthly repayments. Move the sliders for an estimated repayment guide before you apply, with no sign-up and no obligation.

Estimates give you a close idea of what to expect. Your final repayments are confirmed once your application has been assessed.

Loans NZ & Small Business Lending from South Pacific Loans

Trusted Secured Loans for Kiwis Since 2000

For over 20 years, South Pacific Loans has helped thousands of New Zealanders achieve their goals. Whether you need a loan for life’s important moments or a business loan to keep growing, we offer secured lending with transparent terms and genuine care.

Why Kiwis Choose SPLNZ

✓ Simple 2-Minute Application – Apply online anytime
✓ Efficient Processing – Most applications processed within an hour
✓ Flexible Lending – From $1000 to $20,000
✓ Competitive Rates – From 16% to 29.50% p.a. fixed
✓ No Hidden Fees – All costs explained upfront

Loans for Every Need

Our secured loans have helped Auckland families with:

• Vehicle Finance – Cars, repairs, and upgrades
• Debt Consolidation – Simplify multiple payments
• Special Occasions – Weddings and celebrations
• Unexpected Costs – Medical, funeral, or urgent travel
• Education – School fees and expenses
• Home Improvements – Repairs and renovations

Small Business Loans That Work

We also provide small business loans to help local companies manage cash flow, purchase inventory, or seize growth opportunities. No restrictions on how you use your funds.

The SPLNZ Difference

Responsible Lending You Can Trust

We’re not just another lender. As a member of the Financial Services Federation and regulated by the Financial Markets Authority, we’re committed to:

• Assessing each application individually
• Ensuring loans are affordable for you
• Explaining everything in plain English
• Treating every customer with respect

Our multicultural team speaks your language and understands that everyone’s situation is unique. We’ve won Westpac Business Excellence Awards for our service because we genuinely care about helping you succeed.

Partner With SPLNZ

Since our beginning, we’ve been guided by a simple principle: treat people the way we’d want to be treated. This philosophy has shaped everything from how we train our team to how we design our services. We’re not about quick transactions or impersonal processes. We’re about building lasting relationships with the people and communities we serve.

Our local roots run deep. Over the years, we’ve witnessed the growth and evolution of our community, and we’ve grown alongside it. Our multicultural team reflects the diversity of New Zealand itself, bringing perspectives and understanding that help us connect with people from all walks of life. This cultural awareness isn’t just good practice. It’s who we are, and it informs every conversation we have.

Standing behind our work means more than just delivering services. It means accountability, integrity, and a genuine commitment to your wellbeing. We’re members of recognized financial industry bodies because we believe in holding ourselves to rigorous standards. But beyond certifications and memberships, we’re accountable to something even more important: the trust you place in us when you choose our company.