Live Life with Zealy

Borrow up to $5000 with payments to suit. No early settlement fees or prepaid losses if you repay your loan early.

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100% Digital Apply Now

Unsecured

All Zealy loans
are unsecured

100% Online

100% Online

60 Second Decision 7 days

60 Second Decisions
24/7

Low, personalised interest rates

Personalised rates
from 12.99% p.a.

Same day payments

Same day
payments

Decision in 60 SecondsApply Now

Zealy is for Kiwis doing what Kiwi’s do

  • Explore with Travel
  • Buy a Jet Ski
  • Repair the Family Car
  • Buy new Furniture
  • Dental
  • Pets
  • Diamond Ring

Whatever you need, Zealy is only a few clicks away with a decision in 60 seconds

Unsecured

100% ONLINE

60 seconds DECISION

Unsecured

A great rate

from 12.99% p.a. fixed for the term of the loan

Unsecured

Unsecured

with up to 3 years to pay

REFRESHINGLY EASY

  1. Apply online, and verify your income and expenses.
  2. Receive a credit decision within 60 seconds.
  3. Review your payments and sign your digital contracts on any device, including your mobile.

INTEREST RATES THAT WON'T RIP YOUR UNDIES.
FROM 12.99% P.A. UNSECURED

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Why choose Zealy for a Personal Loan?

Zealy is powered by The Lending People. Our 100% online platform makes applying for your loan, fast, easy, and stress free.

No branches, shopfronts or high overheads means you enjoy the lowest rates and fees. Even though the entire process can be completed on your mobile our dedicated and approachable kiwi-based team is only a phone call away and ready to assist if needed.

FREQUENTLY ASKED Q’S

move-smart-faq
  • What can I use my Zealy loan for?

    Anything legal!

  • Who can apply?

    Provided you are over the age of 22, working, have acceptable credit, and are a NZ Citizen or Permanent Resident then you may qualify for Zealy.

    Apply online now >

  • How do I apply?

    100% online. Once you have completed the online application form, uploaded your Photo ID and digitally verified your income; Zealy will instantly process your application and provide you with an immediate decision. If approved, e-contracts will be emailed to you to review and accept with money paid to you overnight.

    Apply online now >

  • What are your interest rates and fees?

    Interest rates range from 12.99% p.a. to 24.99% p.a. depending on your credit profile. For a full range of fees please checkout our Interest Rates & Fees page below:

    View a full schedule of interest rates & fees >

  • Can I add my partner?

    No need to. We love to keep it simple. Happy to use your partner income in support without adding your partner. This can be WINZ, IRD or full-time employment. However we will need proof of partner income before paying out your loan.

  • What ID is acceptable?

    We can only accept a NZ Passport or NZ Driver's Licence. Your ID needs to be valid and current (not expired).

  • Can I email Bank Statements?

    Zealy is a 100% digital loan service providing instant credit decisions. In order to do this Zealy needs to electronically verify your income and expenses to calculate serviceability. For this reason we cannot accept emailed copies of bank statements.

    Read more about sharing your financial details >

  • How safe are digital Bank Statements?

    Very Safe. Using secure bank-grade technology we access a read-only view of your bank statements for the past 90 days. We do not have access to your bank accounts and your login details are not saved.

    Read more about sharing your financial details >

  • Can I get a Top Up?

    Top-ups are available after 6 months of good repayment history.

Early settlement fees?
No, Nup, None!

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