Borrow up to $5000 with payments to suit. No early settlement fees or prepaid losses if you repay your loan early.Apply Now
All Zealy loans
60 Second Decisions
from 12.99% p.a.
Whatever you need, Zealy is only a few clicks away with a decision in 60 seconds
60 seconds DECISION
from 12.99% p.a. fixed for the term of the loan
with up to 3 years to pay
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.
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.
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.
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:
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.
We can only accept a NZ Passport or NZ Driver's Licence. Your ID needs to be valid and current (not expired).
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.
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.
Top-ups are available after 6 months of good repayment history.