We compare 20+ non-bank lenders, structure the loan around your real situation, and come back with a decision in 48 hours. Business, vehicle and personal finance, without the runaround.
Indicative only. Real rate depends on the lender we match you with.
"Stream got my business $180K of equipment finance in 3 days after two banks wasted 5 weeks of my time. The difference wasn't luck. They just knew which lender would say yes."
Real volume. Real relationships. Real speed.
One bank means one yes or one no, after weeks of back-and-forth. Our panel shops every option in parallel and comes back with real numbers, fast.
Cut through the sales talk. Here's what actually matters.
A hard credit enquiry only ever happens once you pick a lender and tell us to proceed. Until then, you see every option without a single mark on your file.
Impact on your credit score for enquiring with Stream
We get a commission from the lender when your deal settles. In most cases that's our only payment. Where a broker fee applies (complex, non-prime, or small balance deals), we disclose the exact fee in writing before you sign anything.
Flat rate for the entire application process, win or lose
Most of the deals we place are the ones banks turned away first. Self-employed with messy books, defaults in the last 3 years, trading under 12 months, recent work visa. Tell us the full picture and we'll tell you honestly what's possible.
Deals we placed started as a bank decline
Our AI-powered assistant runs your profile against 20+ lenders the moment you hit submit, surfaces the rates you're likely to qualify for, and hands the file to a human broker to close it out. You get an indication before the kettle boils.
Tell us the shape of what you need. No credit check, no commitment, no wall of paperwork.
Our AI assistant checks your profile against 20+ lenders and surfaces the rates you're likely to qualify for. Your broker confirms inside 2 hours.
Broker places with the best-fit lender. You choose rate, term and repayment. Funds in your account in 4–7 days.
Every card is a real customer and a real approval. Hover to pause.
"It was rare to find a finance company that combined this level of efficiency with genuinely great customer service. Stream made what could have been complicated feel simple and straightforward."Joseph Mangu · Google Review
Swipe through what Kiwi customers actually wrote.
Business: $30K–$500K depending on turnover and security. Vehicle: $10K–$150K based on vehicle value and deposit. Personal: $3K–$70K based on net income. We tell you a realistic ceiling on the first call, not at the end.
No. We run a soft credit check at enquiry, which has zero impact. A hard enquiry only happens once you've picked a lender and told us to proceed.
Most decisions land inside 48 hours once you send us your documents. Clean vehicle deals are often same-day. Complex business deals can take 5–7 working days.
The lender pays us a commission when your deal settles. In most cases that's our only payment. Where a broker fee applies (complex or non-prime deals) we disclose the exact fee in writing before you sign anything. See our disclosure.
Yes. We'll look at total cost, early-repayment fees on the loan you already have, and tell you honestly whether consolidation actually saves money or just stretches the pain.
Our non-bank panel exists for exactly this. Defaults, past arrears, self-employed with messy books, recent visa. Tell us the full picture and we'll tell you what's possible. If we can't help, we'll say so straight.
Broker. We do not lend money ourselves. We arrange finance between you and our panel of third-party lenders. We're a Financial Service Provider and a member of FSCL (our external dispute resolution scheme).
One soft check. Twenty-plus lenders. Zero impact on your credit score.
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