Reviews collected under Lending Room — the team behind Zooma
Rated 5 out of 5 on Trustpilot by 1,040+ Kiwis. One application, one soft credit check. We compare your situation across 20+ vetted NZ lenders and match you with the best deal on rate, term and fees.
Most applicants hear back the same business day. Not sure you qualify? Check here →
We run a soft credit check during our assessment. This does not affect your score. Once matched, some lenders accept our check while others may run their own. "Best deal" means rate, term, fees and fit, not just the lowest headline rate.
One short form. We take care of the assessment, the matching and the follow-up — so you can focus on what matters.
Tell us your loan amount, purpose and a bit about your situation. It takes around five minutes and you only ever do it once — no repeating yourself across multiple lender sites.
We assess your application and run a soft credit check with zero impact on your score. Then we identify the lender on our panel best placed to offer you a competitive rate and a high chance of approval.
Our team contacts you with your result. If the match works for you, we guide you through to settlement. No obligation at any stage — no pressure to proceed.
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Adjust the sliders to see what your loan might cost.
Guide only. Actual rates depend on your profile and lender criteria. Rates 8.99–29.95% p.a. (AIR). Broker fee up to $1,500 and lender establishment fees up to $450 may apply.
We are not a lender. We work for you — finding the right fit from our panel of vetted NZ lenders so you walk away with a better deal than going it alone.
We run one soft check that leaves no mark on your file. Apply to five lenders yourself and that is five hard inquiries lowering your score before you have borrowed a cent.
Fill in your details once and we take it from there. No repeating yourself across multiple websites or fielding unsolicited calls from lenders you never asked to hear from.
Our panel includes specialist and non-bank lenders not always available direct to consumers — more options and often a more competitive rate than your bank will offer.
We look at the full picture and match you to the lender best suited to your circumstances — a better rate, a higher chance of approval, not just any result.
Whether you need cash for a project, a new set of wheels, to simplify your finances, or you are on a work visa — Zooma finds the right lender for your situation.
Renovations, medical costs, a wedding, a holiday or just about anything else. Matched to your situation at a rate that works for you.
$1,000 – $250,000New or used, dealer or private sale. Vehicle finance specialists so you can move fast when you find the right car.
$3,000 – $150,000Multiple repayments, multiple rates — one too many headaches. One loan, one payment and potentially save on interest.
$3,000 – $100,000Kitchen, bathroom, or outdoors — finance your renovation without touching your mortgage.
$5,000 – $100,000Marine finance for new and used boats, jetskis and watercraft. Dealer and private sales accepted.
$5,000 – $150,000Cover surgery, dental work, fertility treatment or unexpected medical costs. Don't delay treatment because of cost.
$1,000 – $50,000Book the trip now and spread the cost. Holidays, honeymoons, or family adventures — without draining your savings.
$1,000 – $30,000Most lenders say no. We work with specialists who assess properly — open and employer-specific work visas with 13+ months remaining considered.
$1,000 – $100,000Use a vehicle or property as security to access lower rates and higher borrowing amounts than an unsecured option.
$5,000 – $250,000Working capital, equipment finance or growth funding. Matched to the right lender — without the big-bank runaround.
$5,000 – $500,000We work with employed New Zealanders who have a stable income and a clean or near-clean credit record. Here is what we look for.
Full-time, part-time or self-employed with a regular, verifiable income. Stable income history is the single most important factor lenders look for.
NZ citizens and permanent residents are welcome. Open and employer-specific work visas with at least 13 months remaining are also accepted.
We work with borrowers who have a good credit record. Not sure where you stand? Apply and we'll assess your situation before approaching any lender.
We match loans across terms of 6 to 84 months. The right lender depends on loan size, purpose and your overall financial picture.
Our application takes about 5 minutes. We assess your situation and come back with a match. No credit score impact at this stage.
Get Started — 5 MinutesReal feedback from New Zealanders we have helped find the right loan.
Common questions about getting a loan through Zooma — answered plainly.
Still not sure? Talk to our team
Zooma is an FSPR registered loan broker. Rather than lending money ourselves, we match you to the right lender from our panel of vetted NZ lenders. You fill in one form, we assess your situation and run a soft credit check, then we connect you with the lender most likely to approve you at a competitive rate.
No. We use a soft credit check during our assessment which does not appear on your credit file and has no impact on your score. Once matched, some lenders accept our check while others may run their own standard check as part of their approval process. We will let you know before anything happens.
We work with lenders offering loans from $1,000 up to $250,000, with terms from 6 to 84 months. The right amount and term depends on your income, credit history, the purpose of the loan and what the lenders on our panel can offer your situation.
Rates on our panel start from 8.99% p.a. (AIR) and go up to 29.95% p.a. depending on your credit profile, loan amount, term and the specific lender. We work to find you the most competitive rate available for your situation — not just whoever will accept you.
Most applicants hear back the same day. Same-day funding is possible for applications approved before 3pm on a business day, though exact timing depends on the lender and how quickly you can provide supporting documents.
A broker and introducer fee of up to $1,500 applies when your loan is successfully funded. This is clearly disclosed before you commit and there is no obligation to proceed at any stage. Depending on the lender, an establishment fee of up to $450 may also apply. There are no upfront fees to apply.
Yes. We accept applications from open work visa and employer-specific work visa holders with at least 13 months remaining, provided they have a regular NZ-based income and a good credit history. Most lenders decline visa holders outright — we work with lenders on our panel who specifically cater for this.
A decline from your bank does not mean you will not qualify elsewhere. Banks have strict criteria and do not always consider the full picture. We work with a range of lenders including specialist and non-bank lenders who may assess your application differently. It is worth applying to find out where you stand.
Takes about 5 minutes. We review your situation and come back with the right lender and rate. No credit score impact and no obligation to proceed.
