Rating based on 773 reviews
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 offers 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 a loan term of between 6 and 36 months. If you're looking for flexible finance with or without security we can help you.
0 % Per annum
In a Nutshell
- Average processing time 2 hours
- Online application
- In-store application
- Unsecured loan option
- Secured loan option
- Bad credit consideration
- Early repayment
Gilrose Finance has affordable loans and quick online applications
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
If our loans sound like a good fit for your circumstances and needs than it's time to make your 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.
Using the loan calculator
You can find the loan that you will need from using our loan calculator. Yes, that is right all you have to do is place the value of your loan that you would like on the top line by dragging the red dot from the left of the page to the right. You will see that when you do this the amounts will increase. The second line is for the amount of time that you would like to pay your loan back in and you would do the same as the above mentioned moving the red dot until you find the number of months or years that you would like to pay the loan back in. You can choose to either pay weekly or monthly for your loan.
When you apply for your loan
Please make sure that when you apply for your loan you answer all of the sections that pertain to you. Please make sure that you have a copy of your ID that you can upload on to your application before submitting your application.
Rates and fees that apply
Our loan rates differ but the personal loan rates start from 18.95% to 19.95 for a top-up loan and there is an establishment fee of 250$ that is added in your loan amount.
Eligibility & Requirements
- 18 years or older
- NZ resident
- Employed full-time
- 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
Customer Reviews & Testimonials
When applying for my loan online I found that it was very easy and quick to submit with a fast response
— Dunedin —
When I was busy with my application I had a question, I phoned and was helped right away. My loan application was successful and paid into my account on the same day
— New Zealand —
Here’s a short video about Gilrose Finance
- 09 415 8500
- 0800 332 228
- 09 478 1456
- PO Box 303 018, North Harbour, Auckland, 0751, New Zealand
- 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