Gilrose Finance

About Gilrose Finance

We offer small cash loans to employed or self employed and can afford to take out a loan.

If you need a loan to cover an expense or make a purchase that your salary cannot cover comfortably - Gilrose Finance can offer you a personalized fast loan solution that is affordable and convenient.

What we Do Best at Gilrose Finance

We're a modern online lender that seeks to assist customers who have good or bad credit to access finance and offer an alternative to getting a traditional loan from a bank. If you need a personal loan and don’t know who to turn to you have found the partner that is going to help you solve your cash flow shortage problem in a big way.

What Gilrose Finance can offer you

If you need a personal cash loan and are looking for the most affordable and flexible loan product than you've come to the right place.

We help kiwis overcome cash flow shortages by providing them with convenient, fast and affordable alternative finance online and in one of our many nationwide branches.

Our Loans of up to $20,000

Gilrose Finance offer short term loans as well as long term loans of up to $20,000. Our typical annual interest rate is a competitive 18,75% and we offer you loan term of between 6 and 36 months. If you're looking for flexible finance with or without security we can help you.

In a Nutshell

  •  Loan minimum NZ$1,000
  •  Loan maximum NZ$20,000
  •  Interest rate 18.75% per annum
  •  Loan term minimum 6 months
  •  Loan term maximum 36 months
  •  Average processing time 2 hours
  •  Online application
  •  In-store application
  •  Unsecured loan option
  •  Secured loan option
  •  Bad credit consideration
  •  Early repayment

How to Apply with Gilrose Finance

As a reliable lender we're more concerned about ensuring affordability than we are about processing speeds.

When you apply you will have to demonstrate a regular income that suggests you can repay the fast loan. When you apply with us you will not have to stress about paperwork, delay or being refused.

Our loan application process is simple and can be done in just a couple of minutes.

If our loans sound like a good fit for your circumstances and needs than it's time to make you online loan application. This is simple and quick and will never take you more than 10 minutes! We have an advanced loan application process which ensures that our customer can apply and get approved for their personal cash loans quickly and easily.

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Self-employed
  •  Credit check
  •  Active NZ bank account
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Personal loans
  • Top up loans
  • Holiday loans
  • Home improvement loans
  • Wedding/events loans
  • Car loans

Here’s a short video about Gilrose Finance

Contact Details

 Visit Website Apply Directly


 Postal Address

  • PO Box 303 018, North Harbour, Auckland, 0751, New Zealand

Opening Hours

  •  Monday 08:30 – 19:00
  •  Tuesday 08:30 – 19:00
  •  Wednesday 08:30 – 19:00
  •  Thursday 08:30 – 21:00
  •  Friday 08:30 – 21:00
  •  Saturday 09:00 – 19:00
  •  Sunday 09:00 – 19:00