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1. The example shown is for illustration only, dated 14 October 2026, and is not an offer. A representative example of payment terms: a borrower takes a loan of $20,000 over 4 years at a fixed rate of 12.50% p.a. with a $240 establishment fee financed into the loan. The borrower makes 104 fortnightly repayments of $248, and the total amount payable is $25,792. Rates, fees and terms depend on your credit file, the lender, the amount and the term, and lending criteria apply to every offer.

2. The exact way a BorrowClub rate check is recorded with Centrix, Equifax and illion will be verified with the lender panel and published on this page before launch. Credit score improvement is not guaranteed and depends on your wider credit behaviour.

About this service. BorrowClub is an online introduction service. We partner with licensed finance brokers and lenders, and when you check your rate we introduce you to the partner best placed to help, whose team selects suitable finance options from their panel of lenders. Quotes come to you directly from that broker or lender, and any ongoing relationship for your loan continues directly with them. BorrowClub is not a lender and does not hold your loan contract.

How we are paid. BorrowClub does not charge you a fee for this service. We receive a one-off introduction fee from the broker or lender we introduce you to.

What is compared. BorrowClub and its partners do not compare every product available in New Zealand. The products compared change over time, not all partner products are compared, and not all products are available to every customer. The products or lenders with the lowest rates may not be the most suitable for your circumstances, and you may not qualify for every product.

Information, not advice. Information on this website is general in nature and for education only. It does not take your personal financial situation or objectives into account and is not a substitute for advice from a licensed financial advice provider. Always seek advice about your own situation.

Contact. By submitting your details through BorrowClub you consent to being contacted by us and our partners by phone, email or text message about your enquiry. We handle your personal information in line with the Privacy Act 2020. See our Privacy Policy and Terms of Use.

Bridge Media Limited, trading as BorrowClub. If you are in financial difficulty, free help is available from MoneyTalks on 0800 345 123.

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