Rating based on 1,548 reviews

Pioneer Finance

About Pioneer Finance

The New Zealand lending market is rapidly transforming and becoming more and more advanced as time passes.

At Pioneer Finance we strive to keep up with this growth and offer kiwis an alternative way to access credit. We offer online personal loans - quickly and effortlessly.

Getting to know our customers

We have made every effort to get to know our customers and identify their specific loan needs. This has allowed us to develop a range of products and services that fit into the lives of our customers and meet all their needs from car loans to debt consolidation we have it covered. When you use us you will get what you want and need.

What Pioneer Finance can offer you

Without compromising on affordability - we are able to offer our customers online fast loans at incredibly fast speeds.

This means that you can get a competitive interest rate and you don’t have to leave your home or fill in paperwork to do it - we offer interest rates of 14.955 to 27.95% per annum.

Is consolidation the right move for you?

If you have more than 3 unsecured forms of credit that you're paying off and they are incurring a high-interest debt consolidation may certainly give you some breathing room and help you get out of debt with less sweat. We offer secured loans of up to $100,000 with a loan term from 1 to 7 years.

Interest Rate

From 0 %

To 0 % Per annum

Loan Amount



Repayment Term

0 months

0 years

In a Nutshell

  •  Average processing time 24 hours
  •  Online application
  •  In-store application
  •  Secured loan option
  •  Bad credit consideration
  •  Early repayment

We offer online personal loans - quickly and effortlessly

Some people use a personal loan to refurbish their homes or buy furniture. Others use it to consolidate debt or pay bills that they haven't been able to catch up on.

This clearly demonstrates the versatility of our loans and proves that our loans are better priced than those of our competitors - and you can apply for our loans online!

Our turnaround times

Our loan processing time will vary depending on what type of security you're using for your personal cash loan. Our secured loan will generally take up to 2 working days since there are more variables to take into account and more information but we will keep you updated throughout the process.

Why do you need to use my credit report?

The credit report is done so that we can check whether you meet the credit criteria we are looking for or not. The personal details that are stipulated on your credit report will not be shared with any third parties. This is mainly so that we can see the number of debts that you have and the payment pattern that you have with them.

There are some credit providers that provide us with the information but mainly because they want to also see whether they can assist you with a financial plan.

Adhering to the privacy policy

Every consultant that is employed at Pioneer Finance has an obligation of the Private Policy to adhere to. This means that every information that is shared with the agent should not be used for any other purpose other than that of a personal bad credit loan.

It is understandable why customers don’t want their confidential information being shared with anybody and we respect that and abide by it too. Failure to do so will result in the immediate dismissal of a consultant. We are a company that takes privacy and quite seriously and if we find that our own employees are not following the procedure, disciplinary measures will be taken into careful account.

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Self-employed
  •  Credit check
  •  Can you provide security
  •  Bank statements

Other Products & Services

  • Debt consolodation loans
  • Personal car loans
  • Personal loans
  • Business loans

Customer Reviews & Testimonials

Contact Details

  •  0800 000 724
  •  (04) 473 8009
 Visit Website Apply Directly


 Physical Address

  • 22A Kaiwharawhara Rd, Wellington, Kaiwharawhara, 6035, New Zealand

 Postal Address

  • PO Box 9607, Wellington, 6141, New Zealand