Whether it is debt consolidation, an emergency, a renovation, or a wedding, one application with Stream goes out 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.
Roll multiple repayments into one. Often lower total interest, always simpler to manage. We tell you honestly if it saves money or just stretches it.
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 do not blow your budget.
Defaults, past arrears, recent visa. Our non-prime lenders look at the whole picture.
No recent tax return? Variable income? We have lenders that use bank statements instead of payslips.
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 will tell you straight if a personal loan is the right tool, or if there is a better one. You get the advice even if we do not get the deal.
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 will show you real offers before you commit.
No. We do a soft check first. A 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 do not. 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 is usually it.
See your real options in 60 seconds. No impact on your credit score.
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