Whether it's debt consolidation, an emergency, a renovation, or a wedding, one application with Stream goes to 20+ lenders. You see every option side by side and pick the one that actually fits.
We call you back inside 2 business hours.
Personal loans are a tool, not a default answer. We'll tell you straight if one is the right tool for your situation.
Roll multiple repayments into one. Often lower total interest, always simpler to manage.
Kitchen, bathroom, deck, solar. Secured and unsecured options, terms up to 5 years.
Medical, dental, vet, urgent repairs. Same-day funding on approved applications.
Weddings, travel, new baby, funerals. Structured repayments that don't blow your budget.
Defaults, past arrears, recent visa. Our non-prime lenders look at the whole picture.
No recent tax return? Variable income? Lenders that use bank statements instead of payslips.
The same lender might offer you a different rate depending on how your application is packaged. We know exactly how to present you so the numbers come back right.
We'd rather you make the right call than a rushed one.
Personal loans are more expensive than secured loans. If you own a car outright, secured vehicle finance often wins. If you have equity in property, a mortgage top-up may be cheaper. We'll tell you the truth even if we don't get the deal.
Enquiries. Sometimes the right tool is a different product.
Consolidation that just stretches the same debt over more years can cost you more. We run both scenarios so you see the full total cost before you sign anything.
Average fortnightly saving for clients consolidating 3+ debts
Defaults, arrears, recent visa, beneficiary, self-employed. Every one of those is a normal Kiwi situation, and there are lenders for every one. If we can't help, we'll say so straight.
Of our personal deals would have been a bank decline
Our AI assistant checks your profile against 20+ personal lenders instantly and surfaces the rates you're likely to qualify for.
Loan purpose, amount, and a quick snapshot of you.
AI runs your profile against the personal lender panel and surfaces likely rates.
Approvals side by side. Pick the rate and term that actually fit.
Personal loan rates typically range from 10% to 25% p.a. in NZ. Your actual rate depends on credit profile, loan size, and term. We'll show you real offers before you commit.
No. Soft check at enquiry. Hard enquiry only lands on your file once you pick a lender and proceed.
Yes, with all our lenders. Some charge early-repayment fees, some don't. We disclose this up front so you can compare like-for-like.
Same day to 3 working days depending on the lender and how quickly you send documents.
Photo ID, 90 days bank statements, proof of income. That's usually it.
See your real options in 60 seconds. AI-powered match. No impact on your credit score.
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