One loan. One repayment. One date it's done.
Personal loans, car finance and debt consolidation, arranged across a panel of NZ lenders. You compare the offers. We stay on your side of the table.
What are you looking for?
Check your rate first. Every offer comes back with its full cost attached.
Sort my debts into one
Roll your cards, buy now pay later and loans into one fixed repayment with a finish date.
Check my rate Free to check. No obligation.Finance a car
Dealer, private sale or import. Know your rate before you are standing in the yard.
Check my rate Free to check. No obligation.Personal loan
A fixed loan for a big cost: medical, dental, a move, the thing that could not wait.
Check my rate Free to check. No obligation.Refinance my car loan
Already paying one off? A sharper rate could lower the repayment you are stuck with.
Check my rate Free to check. No obligation.We're a club for the borrower, not the bank. One application, a panel of NZ lenders, and the whole cost of every offer in front of you before you sign.
Every offer, shown in full
Most lending sites put the rate on the billboard and the fees on page seven. Every offer a BorrowClub member sees comes back the same way: the whole cost, on one card, before anything is signed.
- ✓The rate, fixed for the term
- ✓Every fee in dollars, not fine print
- ✓Total payable, not just the repayment
- ✓The date you are done
Your offer, in full
Example1- Borrowed
- $20,000
- Establishment fee
- $240
- Rate, fixed
- 12.50% p.a.
- Term
- 4 years
- Fortnightly repayment
- $248
- Interest and fees
- $5,792
- Total payable
- $25,792
Example only, 14 October 2026. Your rate and fees depend on your credit file and the lender's offer.1
How a loan with BorrowClub works
Apply once, online
About ten minutes, one question at a time. We only ask for what a lender needs to price you properly.
Compare real offers
Rate, fees, repayment and total payable, side by side, with your adviser on the phone if you want them.
Pick, sign, get paid out
Your lender pays out directly. Consolidating? They can settle your old balances for you.
Car finance without the yard markup
Dealer finance is priced for the dealer. Members check their rate before they walk in, so the number on the windscreen is the only one left to negotiate.
Check my rate
A person, not a portal
Every member application is handled by a named adviser who reads your file before any lender does, tells you what the panel will make of it, and answers the phone when you call. If an offer is not good for you, they will say so.
Questions? We've got answers
Is BorrowClub a lender?
No. BorrowClub is an introduction service. When you check your rate, we introduce you to our licensed broker partner, whose team puts your application to their panel of NZ lenders. Your quotes and your loan contract come directly from the broker or lender. We work for the membership, and we tell you exactly how we are paid before you sign anything.
Will checking my rate affect my credit score?
No. Checking your rate with BorrowClub does not affect your credit score.2 It is recorded as a quote enquiry on your credit file, not a hard application. A hard enquiry only happens if you choose an offer and ask the lender to proceed.
The good news: once you have the loan, a history of on-time repayments can help your file over time. Read our guide to quote versus hard enquiries for the full picture.
What does BorrowClub cost me?
Nothing, ever. Checking your rate and being introduced costs you nothing, and we never charge you a fee. BorrowClub is paid a one-off introduction fee by the broker or lender we introduce you to, and any fee that applies to your loan itself is shown in dollars on your offer, on the same card as everything else. If someone asks you to pay money up front before a loan is paid out, it is not us, and it is almost certainly a scam.
I have been declined before. Will you even look?
Yes. A bank decline is one lender's answer, not the market's. Panel lenders price a wider range of credit histories, and your adviser will tell you honestly what is achievable before anything goes near a lender. Sometimes the right answer is a smaller amount, a co-borrower, or waiting three months, and we will say that too.
How do you choose which lender?
We do not choose. You do. Our broker partner puts your application to their panel, the qualifying offers come back, and you see each one's rate, fees and total payable side by side. Your adviser explains the differences in plain English, including the ones that pay less commission.
Visit the guides library for the longer answers.