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Welcome to Gilrose Finance

We have financed over 300,000 Kiwis through our retailer network across the country for 25 years. This makes us one of the most trusted and reliable finance companies in New Zealand. Our interest rates and fees are very competitive, we are open 7 days from 8:30am ‘till late, and we strive to get a response to you promptly during our open hours (our average response time is 15 minutes).

If you are looking for a personal loan for a car, some home improvements, a special event  such as a wedding, a holiday or whatever your heart desires then look no further – Gilrose Finance will help you out. Apply today – it only takes a few minutes.

*Average response time during business hours

Personal Loan Process:

  1. Apply Complete our easy 1-page Application form
  2. Response / Approval We will get back to you promptly*
  3. Documents Return your signed documents back to us
  4. $$$ We will transfer the money into your bank account

* We may request further information in order to help us in assessing your application (e.g. bank statements), or we may approve you straight away. Once approved, we will e-mail you your contract and ID page.

Please see our FAQ section for details about who can witness your documents, and what is required as proof of your bank account number

Loan Calculator
6 months

Repayment Amount:



* Repayment amounts are based on a 18.75% annual interest rate (lower rates may apply...see Rates and Fees) and are indicative only. Results do not represent pre-qualifications for a loan. Accurate details of your loan will be presented in your loan contract once you have completed an application.This calculator will not display accurate repayment amounts for Top-Up loans as these are calculated differently.