5.0Trustpilot
1,080+ reviews
5.0Google
220+ reviews

Reviews collected under Lending Room, the team behind Zooma.

How Zooma works.
One application.
The right lender.

One 5-minute application · One soft credit check · Matched across multiple vetted NZ lenders · No credit score impact from our check

Zooma takes the hard work out of finding a loan. You apply once. We assess your situation, run a single soft credit check, then match you to the lender on our panel most likely to approve you at a competitive rate. One application instead of one per lender.

Get Started in 5 Minutes

Checking won't affect your credit score. Most applicants hear back the same business day.

Takes about 5 minutes
Soft credit check only
Multiple vetted NZ lenders
No obligation to proceed

Zooma is a loan matching service operated by Lending Room Limited (FSP486566), an FSPR-registered NZ operator bound by responsible lending under the CCCFA 2003. We are not a lender. Soft credit check only from us, no score impact.

How Zooma works. New Zealander applying for a loan in one application from home.
Why apply through Zooma
Apply direct 1 lender at a time, per hard check
Zooma Multiple one soft check, matched for you
Independent FSPR-registered operator FSP486566 · Bound by responsible lending under the CCCFA 2003
5 min
To apply
One short form
1
Soft credit check
No score impact
Multiple
Vetted NZ lenders
Matched for you
Same day
Funding possible
In by 12pm, approved by 3pm
$0
To check your options
No obligation
The process

Three steps to your loan

No branch visits and no confusing paperwork. Tell us what you need and we take it from there.

01
~5 minutes

Fill in one application

Tell us how much you need, what it is for, and a bit about your situation. One form covers it all so you never repeat yourself to a second lender. If you are on a work or resident visa we will also ask for your visa type and expiry.

02
Soft check only

We assess and find your match

Our team reviews your application and runs a soft credit check. This does not appear on your file or affect your score. We then identify the lender on our panel best suited to you and most likely to approve you at a competitive rate.

03
Same-day possible

We come back with your answer

We contact you with your approval and the full terms. If the match works for you, we guide you through to settlement and handle the paperwork so you do not have to chase anyone. There is no obligation to proceed at any stage.

Ready when you are

One form. We match you to the right lender. You review the deal.

Get Started in 5 Minutes
Why use a broker

Why apply through Zooma instead of going direct?

Going direct to one lender means one view of your situation, one hard credit inquiry, and one approval or rejection. Zooma works differently.

1
soft check only

Apply direct with five lenders and that's five hard checks on your file, each lowering your score before you have signed anything. Our single soft check gives you access to the full panel with no impact on your credit score.

Apply direct Hard check every time
Zooma One soft check
Multiple
vetted NZ lenders

Our panel includes specialist lenders who are often more competitive than mainstream lenders, especially for car loans, debt consolidation and visa holders. Some you can't access directly as a consumer.

Match
not just refer

We review your situation before approaching any lender. We only present options that make sense for your position, not whoever happens to approve you first. One application, matched to the single most suitable lender.

5
minutes, one form

Tell us your details once. We handle all the lender communication from there, so you never fill in the same information across five websites. No repeating yourself, no chasing anyone.

$0
to check your options

Checking your options costs nothing and commits you to nothing. You decide whether to proceed once you have seen your approval and are happy with the terms. No obligation at any stage.

What we mean by the right lender

The most favourable overall package for your situation, not just the lowest headline rate. Rate, term, fees and lender fit all factor in. We walk you through the full cost before you commit. No obligation at any stage.

Get Started in 5 Minutes
Know your options

Applying direct vs using Zooma

Going direct to a lender means one application, one lender, one hard credit check. Zooma flips that. One application, one soft check, assessed and matched across the full panel.

Apply direct

Approaching one lender at a time

  • One application gets you one lender's answer, take it or leave it
  • Each application triggers a hard credit check that sits on your file
  • Multiple applications in a short window can pull your credit score down
  • No easy way to know which lender suits your situation best
  • Specialist lenders often aren't accessible direct to consumers
Zooma matching service

We assess your application and match you to the single most suitable lender

  • One application, matched to the single most suitable lender from multiple vetted NZ lenders
  • Soft credit check during assessment, no impact on your score
  • Secured loans from 8.99% p.a., unsecured from 10.99% (AIR)
  • Operated by an FSPR-registered team (FSP486566) under the CCCFA 2003
  • Access to specialist lenders not available direct to consumers
  • Broker fee up to $1,500 (GST inclusive) on successful funding, disclosed upfront
Get Started in 5 Minutes

Every lender is different. Always compare your options before committing. Zooma is operated by Lending Room Limited (FSP486566), bound by the responsible lending principles set out in section 9C of the Credit Contracts and Consumer Finance Act 2003 and supervised by the Commerce Commission.

The guide

How a loan matching service works in New Zealand

Written by the Zooma team, operated by Lending Room Limited (FSP486566) · Last updated August 2026 · 5 min read

Finding the right loan usually means filling in form after form and collecting a hard credit check from every lender you approach. A matching service turns that on its head: one application, one soft check, and a single lender matched to your situation. Here's exactly how it works.

What is a loan matching service?

A loan matching service sits between you and a panel of lenders. Instead of you approaching each lender one by one, you tell the service what you need once. It assesses your situation, then matches you to the lender most likely to approve you at a competitive rate. Zooma is operated by Lending Room Limited (FSP486566), an FSPR-registered NZ operator. We are not a lender, we match you to one.

How Zooma works. Reviewing loan options at home in New Zealand.
One application, assessed once, matched to the lender that fits your situation.

What happens after I apply?

Once you submit the form, our team reviews your application and runs a soft credit check. We look at the loan amount, purpose, your income and your credit profile, then identify the lender on our panel best suited to you. We come back with your approval and the full terms, usually the same business day. You decide whether to proceed. Nothing is locked in until you say so.

Soft check first, no score impact When you apply through Zooma, we run a soft credit check to assess your options. This does not affect your score. Once matched, some lenders accept our check while others may run their own.

Why does one soft check matter?

Applying direct means approaching one lender at a time, and each application usually triggers a hard credit check that sits on your file. Several hard checks in a short window can pull your score down. Zooma runs one soft credit check, so you get access to multiple vetted NZ lenders without a stack of hard inquiries on your record. You can read more about how credit reporting works through bureaus like Centrix.

5 min To apply, one short form
Multiple Vetted NZ lenders, one application
1 soft Credit check, no score impact

How much does it cost to use Zooma?

If your loan is funded, a broker and introducer fee of up to $1,500 (GST inclusive) applies. Lender establishment fees of up to $450 may also apply, depending on the lender. Every fee is disclosed to you before you commit, so there are no surprises. We only get paid when your loan goes ahead, which keeps our interest aligned with finding you a deal worth taking.

Borrow only what you can repay A longer term lowers your monthly repayment but increases the total interest you pay. Always check the total cost over the life of the loan, not just the monthly figure, before you sign.

What protections do I have as a borrower?

Lenders in NZ are bound by the responsible lending principles in the Credit Contracts and Consumer Finance Act 2003. Section 9C sets out the lender responsibility principles, including making reasonable inquiries so the loan meets your requirements and that you can repay without substantial hardship. The Commerce Commission enforces these rules, and the Financial Markets Authority oversees financial services more broadly. For independent, government-backed guidance on borrowing, Sorted is a good place to start.

Good to know

How it works, answered

Everything you need to know about the Zooma process before you apply.

Still not sure? Talk to our team

Get Started in 5 Minutes

The form takes around 5 minutes. Once submitted, our team reviews it and typically comes back to you the same day, often within a few hours for applications received before 3pm on business days.

No. We run a soft credit check during our assessment, which does not appear on your credit file and has no impact on your score. Once we match you to a lender, some lenders accept our check while others run their own standard check. We always let you know before we submit anything.

No. There is no obligation to proceed at any stage. We come back with your approval and the terms, then you decide. There is no fee if you choose not to proceed.

A broker and introducer fee of up to $1,500 (GST inclusive) applies when your loan is successfully funded. It is disclosed in full before you commit and comes from the loan proceeds. Lender establishment fees of up to $450 may also apply.

Often yes. If your application and bank statements are in by 12pm and approved by 3pm on a business day, funding can happen the same day. Exact timing depends on the lender and your bank.

Yes. Our panel includes specialist lenders who accept open and employer-specific work visas as well as resident visas. Work visa holders can generally apply with at least 13 months remaining on the visa and a regular NZ-based income. See our visa holder loans page for more.

Our team reviews your application, runs a soft credit check, and identifies the lender on our panel best suited to your situation. We then contact you, usually by phone, to talk through the approval and next steps.

If we cannot find a match on our current panel we will tell you, and give you honest feedback on what might improve your chances in future, such as a different loan amount or a longer term. There is no fee if we cannot place you.

No. Zooma is a loan matching service operated by Lending Room Limited (FSP486566), an FSPR-registered NZ operator. We assess your application and match you to a lender from our panel. We do not lend money ourselves.

Ready when you are

Check your options in 5 minutes

One application, assessed and matched to the single most suitable lender from a panel of multiple vetted NZ lenders. One soft credit check, no impact on your score. Most applicants hear back the same business day.

Get Started in 5 Minutes 09 928 6800
  • One 5-minute application, matched across multiple NZ lenders
  • Soft credit check only, no impact on your score
  • No obligation to proceed at any stage

Zooma is a loan matching service operated by Lending Room Limited (FSP486566), an FSPR-registered NZ operator bound by responsible lending under the CCCFA 2003. We are not a lender.

5.0On Trustpilot and Google
MultipleVetted NZ lenders
5 minTo apply
Operated by an FSPR-registered team Lending Room Limited · FSP486566 · Bound by responsible lending under the CCCFA 2003