Frequently Asked Questions

FAQs

How do I apply for a personal loan?

You can apply online in just a few minutes using our secure application form. Once you decide to submit your application, most loans are approved within one business day, and you can select your preferred repayment frequency and term.

How much can I borrow with All Loans?

You can typically borrow between $3,000 and , depending on your financial situation and lender criteria.

How long will it take to get the loan approved?

If you have submitted all the required documents, we can get a decision on your loan within 24 hours.

What can I use a personal loan for?

All Loans personal loans are flexible and can be used for a wide range of purposes, including:

Debt consolidation
Home renovations
Weddings and special occasions
Holidays and travel
Medical expenses
Business costs
Vehicle purchases (car, RV, motorbike, boat, Jet Ski, truck)
And lots more!

What fees should I expect?

We believe in transparency. Typical fees include:

An establishment fee when your loan is set up.
A PPSR fee for secured loans (to register security).

There are no penalties for early repayments, meaning you can pay off your loan faster and save on interest.

How quickly will I receive the money?

Once your loan is approved and documentation signed, funds are usually transferred to your account within 1–2 working days.

Can I repay my loan early?

Yes absolutely! You can repay your loan early, make extra repayments, or pay it off in full at any time - with no early repayment fees.

Am I eligible for a personal loan?

To apply, you’ll generally need to:

Be 18 years or older.
Be a New Zealand citizen or permanent resident, or hold a valid work visa.
Have a regular source of income.
Lenders may also look at your credit history and current financial commitments.

What documents do I need to apply?

You’ll typically need:

A valid form of ID (driver licence or passport).
Proof of income (such as recent payslips or bank statements).
Details of your expenses and existing debts.

Still have questions?

Our friendly NZ- based team is here to help. Email us on hello@allloans.co.nz or contact us to find out more.

Contact Us

Please complete our contact form, and a broker will reach out to you as soon as possible.

Alternatively, email us on hello@allloans.co.nz or call us on 0800 556 267.

Thank You!

Your message has been sent to the All Loans team.

One of our friendly brokers will be in touch shortly.

Or talk to us right away on 0800 556 267

TURN YOUR SOMEDAY INTO TODAY!