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Terms & Conditions

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It’s important to understand your obligations and commitments when applying for an online personal loan. At Rapid Loans, we pride ourselves on making the process of applying for an online loan as straightforward and stress-free as possible. That is why our ‘Terms & Conditions’ booklet (download PDF) is clear and to the point. Click here to download booklet

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What we do at rapid loans

At Rapid Loans, we provide fast, online cash loans to a wide cross section of New Zealanders. We understand that everyone is unique and we tailor personal cash loans to suit different budgets, lifestyles and financial circumstances. We pride ourselves on our friendly and professional service and we strive to respond to online applications quickly

Representative loan example: $7,500 loan advance with a 12-month term. Total cost of loan, including all applicable fees is $9,578.39  This amount includes a $328 establishment fee, $18 per month administration fee and interest at 3.3% per month (39% per annum), with a maximum Annual Percentage Rate (APR) of 47.7561%. Minimum loan repayment period of 6 months and maximum loan repayment period of 48 months.

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*This site may provide an estimate only of loan repayments over a 12 month period but this does not constitute a loan offer by Rapid Loans NZ Limited. Company Number 3579431. All loans are subject to an approval process which is subject to our lending criteria and an assessment of suitability.