Instant Loans, Risk Free

Personal Loans: Money in Your Bank in 60 Minutes

No collateral, no risk. Get your money from Zebra Loans with an easy online application. Solve your financial headaches with Zebra personal loans today.

Personal cash Loans
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Personal Cash Loans Today

For one reason or another, you might find yourself short on cash, with payday still several days or weeks away. At Zebra Loans, we offer personal loans to help you stay afloat before your next payday. If you’re looking for an instant cash loan in New Zealand, you’ve come to the right place.

Some of our basic loan requirements include being at least 18 years of age, having a full-time employment contract, an active bank account, and mobile phone and internet access. Applying for a loan has never been as quick and easy – with no collateral, no hidden fees, and an automatic repayment system, your next loan may be just an hour away.

Apply now and start your loan
application process today.

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Low Interest, Transparent Fees

Zebra Loans: the home for responsible lending and customer-friendly practices. Unlike other lending companies, we’re not here to make a quick buck. We understand the importance of a flawless reputation (especially in the social media age), which is why we give every customer and borrower top priority treatment.

Our low interest rates and transparent fees are a product of our desire for being a responsible lender that our customers can trust. You will never find yourself paying hidden fees and extra charges. Every dollar is fixed and accounted for, because your continued business is more important to us than anything else. You will never be charged without knowing it.

Personal Loans Application Made Simple

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Step 1:


Start with our quick calculator: this helps you figure out your desired loan amount and repayment terms. Then complete our online application form on your computer or mobile phone. Make sure that you provide all the requested information, including your mobile number, email, bank details, and ID.

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Step 2:

Review and Approval

After you’ve sent in your personal loan application, our team at Zebra Loan will get on it right away. If everything is in order, your application should be approved without a hitch. Funds will be transferred directly to your bank account within 60 minutes.

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Step 3:


Repayments are simple and easy. They are automatically deducted from your bank account in accordance to our agreed repayment schedule and your normal pay cycle. No stress, no worry, no hassle. What could be easier?

Our Happy Customers


- Sarah M.

“Such an efficient process you have. Thank you so so much for all your help. I really appreciate it and will continue to use your company in future.”

- Pauline F.

“Thank you!! Great service. So quick and easy!”

- Nicole G.

“Thank you so much. Your customer service is outstanding.”

Apply and Qualify With Success: Our Criteria

At Zebra Loans, we focus on responsible lending. We can help you with your personal loan if you qualify for our following criteria:


18 years of age


New Zealand citizen or resident within New Zealand


Earning a minimum of $400 per week


Computer access and mobile phone access, for verification codes and applications


Permanent employee of your company


An active bank account for at least one pay cycle


Active email address


Your pay is electronically transferred to your bank account regularly


ID for first-time applications: NZ passport (current or expired within 2 years), overseas passport (current), NZ Refugee Travel Document, NZ Emergency Travel Document, NZ Firearms License

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Online Loan Calculator

Kiwis Deserve Transparency And Efficiency

Use our online calculator below to find out how much you may be able to borrow. Your potential loan amounts will vary depending on a number of factors. Rates and fees are displayed to give you a complete understanding of your personal loan:

Find out how much you may be able to borrow

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Car Payment, Debt Consolidation, Medical Emergency, And More

Use our personal loans for almost any kind of payment.

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Car loans

Looking for a brand-new set of wheels? Or do you want to give your car that thorough repair at the shop that it deserves? Whether you are buying your first vehicle, upgrading, or repairing your current car, consider Zebra personal car loans.

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Debt consolidation

Having multiple debts can be difficult to keep track of, with varying interest rates, repayment schedules, deadlines, and more. Exchange your debts and organize your finances in one quick and easy process by paying them all with a Zebra Loan.

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Invest in your tomorrow. Zebra Loans can help you kickstart your path towards a brighter future, with an education in your preferred degree and professional community waiting at the end.

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Home renovation

Zebra Loans is always happy to help individuals and families who want to give their home the renovation they’ve been thinking about for years. Let us help you cover the costs for your home renovation, so you can start living the way you want.

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Medical/dental bills

Sudden medical or dental bills? Some situations simply can’t be planned for, and a medical or dental bill can cost more than what you have saved. Consider a personal loan from Zebra Loans to get out of any tough medical close call.

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Wedding loan

Weddings are a celebration of life and love, but they are also a great expense to whoever is footing the bill. A last-minute surprise fee or charge might be all it takes to empty out your savings. Let us help you pay for all your wedding expenses so you can make that important step in your life unburdened.

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Upfront payments

Paying in full can sometimes save you big bucks. Save your money and pay for those items in full with a Zebra Loan, instead of taking on their interest rate through multiple installments.

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Business boost

Are you the owner of a small or medium-sized business, in need of a small yet crucial financial boost to get you to the end of the week? Zebra Loans routinely offers loans to businesses looking for a little bit of help.

Apply now and start your loan
application process today.

Finance your Holiday With Zebra Loans:

Why Us?

  • Complete transparency for all fees and charges
  • Repay your loan in full with no penalties
  • Loan again and again for every rainy day
  • Unsecured loans for your risk-free assurance
Personal Loans

FAQ: Quick Loans, Unsecured Loans, And More

How can I rebuild my credit rating?

If you want to improve your chances at having loan applications approved in the future, our best tips start with rebuilding your credit rating with a credit card. Make sure to repay the balance of your credit card in full every month, without being late. Missing payments can worsen your rating, but with on-time payments every month, this can improve your credit profile. Contact our personal loans team for more tips and guides.

Can I apply for a loan if I’ve been rejected elsewhere?

Of course. At Zebra Loans in New Zealand, it doesn’t matter to us if other lenders have rejected your previous loan applications. We have our own unique evaluation process to determine your credit rating, and we will do our best to make sure we can match you with a loan that works for everyone.

Read more about Personal Loans Requirements.

Why was I rejected for my loan?

When Zebra Loans rejects a loan application, this can happen for multiple reasons. Unfortunately, we generally do not disclose the reason for a loan application rejection. For more information, feel free to contact us directly.

What forms of ID do you accept?

To be approved, first-time applicants must provide ID. A New Zealand’s driver’s license is the most common ID, but others that you can present include a NZ passport, overseas passport, NZ Refugee Travel Document, NZ Emergency Travel Document, and NZ Firearms License.

Can I use Zebra Loans for long-term solutions?

No. Zebra Loans is for short-term financial solutions. For cases where larger loans are necessary, banks and other financial institutions are better equipped to provide the help you need. If you are not sure how long or how much money you need for your loan, feel free to contact our personal loans team.

Do you have loan repayment insurance?

Zebra Loans charges certain fees for missed payments, and will attempt to contact you if your payments are dishonored. We will do our best to work with you to arrange a new schedule for successful payments.

Check out our Personal Loans Financial Hardship Policy.