Personal Loans

We are here to help

If you need money for a new car, new appliances, the latest gadgets, a nice holiday, home improvements, a medical procedure, car or boat repairs, or money towards a special event then Gilrose Finance can help you get it. Our secured and unsecured personal loans come with no interest for 3 months on contracts 24 months or over and our personal loans have some of the lowest rates and fees in the country, and unlike most other finance companies we do not charge you for an early repayment.

We also understand that every loan application is different – there are no automated systems here- your application is reviewed by a professionally trained staff member working out of our office in Auckland.

Prefer a personal loan you can 'top up' when needed? Check out our new Top Up Loans here.

You must be/have:

  • Aged 18 and over
  • Employed for at least 3 months
  • NZ Citizen or Permanent Resident
  • Able to provide proof of ID* 
  • A relatively good credit history
  • Proof of a Bank Account Number

Sometimes we may also ask for:

  • Proof of Address
  • Proof of income
  • A co-signer
  • Invoices from retailers/suppliers/service providers, etc
  • Additional security, eg. a vehicle

*We may request that your contract and ID be witnessed by a trusted referee. 

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