Finance – Advisenow

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The Smarter
Way to
Borrow.

Car loans, personal finance, and business capital – we compare 20+ NZ lenders to find your best rate. No credit check to enquire.

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100+

Kiwis Funded

24-48hrs

Pre-Approvals

20+

Lenders on Panel

5.0★

Google Rating

Our Products

Finance That Fits
Your Life.

We don’t push one product. We match you to the right loan at the right rate – from NZ’s widest lender panel.

Approved in
Hours. Not
Weeks.

Borrowing does not need to be complicated. We have removed the jargon and simplified the process so you can access the funds you need, fast.

33+ reviews · 5 stars

Verified Google Reviews

Tell Us What You Need

3 minutes

Fill out our 3-minute form – no credit check, no obligation. Just the basics so we can find you the best options.

Eligibility Check & Assessment

3 minutes

Our lending partners will contact you to clarify the information you have provided, review your profile, and advise you on the next steps.

Required Documents Uploaded

3 minutes

Share the essential documents only, so we can move your loan forward smoothly and without delays.

Approval & Disbursal

3 minutes

Once approved and accepted, the loan amount is transferred directly to your bank account (same day or next working day).

Repayment Calculator

How Much Will
It Cost Me?

Adjust the sliders to estimate your repayments. Actual rates depend on your credit profile.

Loan Type

Loan Amount $25,000

$2,000$150,000

Loan Term 5 years

1 year7 years

Interest Rate (p.a.) ⓘ 9.95%

8.95% (best rate)29.95%

Repayment Frequency

Fortnightly repayment

$244.45

Loan Amount $25,000

Total Interest $6,779.11

Total Repaid $31,779.11

Principal

Interest

Get This Rate — It's Free →

Estimates only. Rates are subject to lender assessment and your credit profile.

Why US

We Work For You.
Not the Banks.

20+ Lenders. One Application.

Your application goes to the right lender first time – not rejected twice by the wrong one.

NZ-Owned. NZ-Focused.

Auckland-based team. We know CCCFA, RBNZ, and what lenders actually want to see.

Completely Fee-Free for You

We’re paid by lenders – not you. Our advice is always independent and in your best interest.

No Credit Check to Enquire

Checking your options won’t touch your credit score. We only run a full check when you’re ready.

Google Reviews

Real Kiwis
Real Results.

5

33+ Reviews

John Ning

Auckland · 2 weeks ago

Car Loan

Bought a Hilux through private sale – wasn’t sure we could get finance. Advisenow sorted it in 3 hours at a way better rate than the dealer offered.

Ngaio Ira

Wellington · 1 month ago

Personal Loan

Consolidated three debts into one loan – saved $180 a fortnight. Dead simple process, money in my account within two days.

Mish Macdonald

Christchurch · 3 months ago

Car Loan

Advisenow beat the dealer rate by 2.1% on a new Toyota Rav4. Pre-approved in 3 hours, settled the same afternoon. Seamless.

Kowhafi Tūhoe

Hamilton · 5 months ago

Business Finance

Needed a van fleet for my catering business. Banks kept asking for two years of financials. Advisenow found a lender who approved on one year’s accounts.

Sarah Kim

Dunedin · 6 months ago

Business Finance

Self-employed web developer – banks turned me away twice. Advisenow had me pre-approved within 4 hours. Absolute legends.

Ben Ngarimu

Rotorua · 8 months ago

Personal Loan

Needed $15k fast for a medical procedure. Advisenow got it sorted in 24 hours. No judgment, no hassle, practical help when I needed it most.

Ready to apply?

Don't Pay
More Than
You Have To.

Every day you wait is money left on the table. Get your free assessment and lock in the best rate available today.

No

Credit Check

3-6hrs

Car Loan Approval

Free

Advise

Apply Now - It's Free

Get pre-approved today — rates move fast.

First NameRequired

Last NameRequired

Email AddressValid email required

NZ Phone NumberRequired

Loan Type Required

Loan amount (NZD) Required

No credit check. No spam. Independent advice. Privacy Policy

✓

Thanks! We'll be in touch soon.

An adviser will contact you within one business day.

Licensed Financial Adviser supporting Kiwis across New Zealand to secure the right home loan and protect their future with tailored insurance solutions.

Home Loan Products

Resources

Company

Zigi Financial Services Limited (Owners of Advisenow) | FSP Registration No. FSP1007853 | Financial Advice Provider licensed under the Financial Markets Conduct Act 2013. We are members of the Kiwi Advisers Network (KAN). Our advisers are registered on the Financial Service Providers Register (FSPR). This website contains general information only and does not constitute personalised financial advice. Lending criteria, terms, conditions, and fees apply. Interest rates are subject to change. All figures are in New Zealand dollars (NZD). Credit subject to assessment.

Personal Budget Planner

Bring your income, bills, everyday spending and savings goals into one clear plan. Enter each amount in the frequency you actually pay it, and we will convert everything into a consistent budget view.

Your figures stay in your browser

Build your budget

Use after-tax income and the amount that normally leaves your account.

Results view

Current emergency savings

Cash you could access for an unexpected expense or income interruption.

Emergency-fund target A guide only. Your ideal buffer depends on job security, dependants and other support.

Your budget snapshot

Updates automatically as you change the figures.

Available after planned spendingBalanced

per month

Total income$0per month

Total outgoings$0per month

Planned savings rate0%goals ÷ income

Annual cash-flow$0estimated surplus or shortfall

0budget score

Start entering your figures

A positive buffer and consistent savings plan can help absorb irregular costs and reduce financial stress.

Where your income is going50/30/20 is a guide, not a rule

Needs

Wants

Goals

Emergency-fund guide6 months

Suggested target$0

Current gap$0

Target funded0%

Time using surplus—

Your budget is an estimate. Remember to allow for irregular costs such as vehicle repairs, school expenses, medical costs and annual subscriptions.

Turn your budget into a financial plan

Ready to make your money work harder?

An Advisenow financial adviser can help you review your mortgage, insurance and KiwiSaver alongside your cash flow, so your day-to-day budget supports the future you are building.

Call or text: 028 8520 0500 pamela@advisenow.co.nz

Book a free financial check-in

This budget planner provides estimates and general information only. It does not constitute personalised financial advice, tax advice, lending advice or a guarantee of any financial outcome. Figures are based solely on the information entered and may not include every expense, fee, tax, interest charge or change in circumstances. The 50/30/20 split and emergency-fund figures are general guides, not recommendations. Consider your full circumstances and seek personalised advice from a licensed financial adviser before making financial decisions. Zigi Financial Services Limited trading as Advisenow, FSP1007853.

Mortgage Borrowing Power Calculator

Get an indicative estimate of how much you may be able to borrow, your possible property budget and the repayments that could follow.

Instant estimate NZ-focused inputs No data stored

Step 1

Tell us about your monthly position

Use after-tax income from your payslip or regular business drawings. Results update automatically.

Household take-home income per month

After tax, KiwiSaver and student-loan deductions.

Other regular income per month

For example, boarder, rental or regular allowance income.

Available deposit or equity

Living expenses per month

Include food, utilities, transport, childcare and regular household costs.

Existing debt repayments per month

Personal loans, car finance, buy-now-pay-later and other commitments.

Total credit-card limits

The full limits, not only current balances.

Monthly safety buffer to keep

A personal margin you do not want committed to mortgage repayments.

Assessment assumptions

Assessment rate

Loan term

years

Indicative repayment rate

Step 2

Your indicative estimate

This is a starting point. Individual lenders apply different income, expense and servicing rules.

Estimated borrowing power $0

Indicative only, not a loan offer or pre-approval.

Available repayment capacity 0%

Estimated property budget $0

Indicative monthly repayment $0

Amount available for a new mortgage $0

Indicative lender range $0–$0

Monthly affordability snapshot

Recognised income

Expenses and commitments

Available for mortgage

Calculation uses your take-home income, recognises 80% of other income, applies an indicative monthly commitment equal to 3% of total credit-card limits, and deducts your nominated safety buffer. Lenders may treat every item differently.

Turn your estimate into a lender-ready plan

A calculator cannot assess every lender’s policy, your employment type, deposit source or full financial story. Let Advisenow compare the options and help you prepare for pre-approval.

Call or text 028 8520 0500 pamela@advisenow.co.nz

Check my real borrowing power Personalised guidance from a licensed financial adviser

This calculator provides an indicative estimate for general information only. It is not personalised financial advice, a loan offer, pre-approval or a guarantee that any lender will approve an application. Actual borrowing capacity depends on lender policy, verified income, household composition, expenses, debts, credit history, deposit, property type, interest-rate testing and other factors. Other income is shaded to 80% and credit-card limits are assessed at 3% per month solely for this calculator. Results may differ materially from lender calculations. Consider personalised advice before making financial decisions. Zigi Financial Services Limited trading as Advisenow, FSP1007853.

The Smarter Way toBorrow.

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100+

24-48hrs

20+

5.0★

Finance That FitsYour Life.

Approved inHours. NotWeeks.

How Much WillIt Cost Me?

We Work For You.Not the Banks.

Real KiwisReal Results.

5

Don't PayMore ThanYou Have To.

No

3-6hrs

Free

Apply Now - It's Free

Thanks! We'll be in touch soon.

The Smarter
Way to
Borrow.

Finance That Fits
Your Life.

Approved in
Hours. Not
Weeks.

How Much Will
It Cost Me?

We Work For You.
Not the Banks.

Real Kiwis
Real Results.

Don't Pay
More Than
You Have To.