Why Pioneer?
Our goal is to provide the most seamless finance experience in New Zealand.
Mobile first. Online and in-store
Apply directly on your phone and don't touch a single piece of paper.
Lightning fast applications
Apply in less than 3 minutes and get a fast approval.
Easy to understand pricing
$49- $165 estabishment fee & $9 monthly account fee. No early repayment fee.
Trusted for over 25 years
We've been helping kiwis for over 25 years and counting.
Priority support
Talk to our friendly team any day of the week and use our mobile app to check your balance.
Broker friendly
Integrated with brokers across New Zealand who can manage your account & create applications.
Our business loan options
Choose the right loan for your business needs. We offer tailored solutions to help your business grow.
How to apply for a business loan
We make it easy to apply for a business loan.
Start our online application
Begin your business loan application with our user-friendly online form. We'll review your application and contact you promptly.
Get your personalised quote
We'll provide you with a tailored estimate including terms, interest rate, and the amount your business is eligible for.
Receive your funds
Complete your business loan agreement & receive your funds. Most funds are transferred within 24-48 hours.
What would it cost?
Understanding the exact cost of a personal loan is crucial. Use our easy-to-use calculator that provides you with an accurate estimate, taking into account all fees typically involved. We believe in transparency, so you can make informed decisions about your finances.
Loan calculator
Enter an amount.
Our rates and fees
Rather than having set fees & interest rates we prefer to work with ranges as not every application is the same. So if it is a short term Bridging loan, Debt consolidation, Personal Loan, Home renovations, Car Loan, Holiday, Funeral or Business loan we have the loan for you.
