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# Zooma

## Sitemaps
[XML Sitemap](https://www.zooma.co.nz/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [How To Use Digital Product Design To Optimize](https://www.zooma.co.nz/how-to-use-digital-product-design-to-optimize/): In the dynamic landscape of business, a robust marketing plan serves as the compass guiding companies toward success. Whether you're a startup or an established enterprise, crafting an outstanding marketing plan is essential for reaching your target audience, driving sales, and achieving sustainable growth. Here are five fundamental steps to help you create a marketing plan that stands out:
- [Digital Marketing For Online Business.](https://www.zooma.co.nz/digital-marketing-for-online-business/): In the dynamic landscape of business, a robust marketing plan serves as the compass guiding companies toward success. Whether you're a startup or an established enterprise, crafting an outstanding marketing plan is essential for reaching your target audience, driving sales, and achieving sustainable growth. Here are five fundamental steps to help you create a marketing plan that stands out:
- [5 Steps to Create an Outstanding Marketing Plan](https://www.zooma.co.nz/hello-world-2/): In the dynamic landscape of business, a robust marketing plan serves as the compass guiding companies toward success. Whether you're a startup or an established enterprise, crafting an outstanding marketing plan is essential for reaching your target audience, driving sales, and achieving sustainable growth. Here are five fundamental steps to help you create a marketing plan that stands out:

## Pages
- [Boat & Jetski](https://www.zooma.co.nz/boat-and-jetski-loans/): Boat & Jetski Loans NZ
- [Business Loans](https://www.zooma.co.nz/business-loans/): Business Loans NZ
- [Travel Loans](https://www.zooma.co.nz/travel-loans/): Travel Loans NZ
- [Medical Loans](https://www.zooma.co.nz/medical-dental-loans/): Medical & Dental Loans NZ
- [Home Renovation](https://www.zooma.co.nz/home-renovation-loans/): Home Renovation Loans NZ
- [How It Work](https://www.zooma.co.nz/how-it-works/): How It Works
- [Car Loans](https://www.zooma.co.nz/car-loans/): Car Finance NZ. Independent Loan Broker
- [About](https://www.zooma.co.nz/about/): About Zooma
- [Contact](https://www.zooma.co.nz/contact/): Contact us
- [Zooma Disclosure Statement](https://www.zooma.co.nz/disclosure-statement/): Zooma  ·  Last updated March 2026
- [Zooma Terms & Conditions](https://www.zooma.co.nz/terms-and-conditions/): Zooma  ·  Last updated March 2026
- [Zooma Privacy Policy](https://www.zooma.co.nz/privacy-policy/): Zooma  ·  Last updated March 2026
- [Apply Now](https://www.zooma.co.nz/apply/): Apply Now
- [Visa Holder Loans](https://www.zooma.co.nz/work-and-resident-visa-holders/): Visa Holder Loans NZ
- [Debt Consolidation](https://www.zooma.co.nz/debt-consolidation/): Debt Consolidation NZ
- [Secured Loans](https://www.zooma.co.nz/secured-loans/): Secured Loans NZ
- [Personal Loans](https://www.zooma.co.nz/personal-loans/): Personal Loans NZ
- [Home](https://www.zooma.co.nz/): Reviews collected under Lending Room, the team behind Zooma

# Zooma - NZ Loan Broker

Zooma is a New Zealand loan broker registered on the Financial Service Providers Register (FSP486566). Zooma is operated by Lending Room, the same team behind the Lending Room and Moola brands. Zooma does not lend money directly. Zooma matches loan applicants to the most suitable lender from a panel of 20 or more vetted New Zealand lenders.

## What Zooma does

Zooma accepts a single loan application, runs a soft credit check that does not affect the applicant's credit score and matches the applicant to the lender on its panel most likely to approve them at a competitive rate on term, rate and fees. Most applicants hear back the same business day.

## Loan products

Zooma helps New Zealanders access the following types of loans:

- Personal loans: general purpose loans from $1,000 to $250,000, rates from 8.99% p.a.
- Car loans: finance for new and used vehicles, rates from 8.99% p.a., terms from 6 to 84 months
- Debt consolidation loans: combine multiple debts into one repayment at a lower rate
- Home renovation loans: secured and unsecured options for home improvement projects, rates from 8.99% p.a.
- Boat and jetski loans: recreational marine finance from lenders who specialise in this category, rates from 8.99% p.a., terms from 6 to 84 months
- Medical and dental loans: finance for medical or dental procedures not covered by insurance
- Travel loans: holiday finance for domestic and international travel, rates from 8.99% p.a.
- Loans for work and resident visa holders: loans for eligible open work visa and employer-specific work visa holders with at least 13 months remaining, who have a regular NZ income and a good credit history
- Secured loans: loans using an asset as security to access better rates
- Business loans: fast funding for NZ businesses from 8.99% p.a.

## Rates and terms

Interest rates on Zooma's lender panel start from 8.99% per annum (AIR) and go up to 29.95% per annum depending on the applicant's credit profile, loan amount, term and lender. Loan amounts range from $1,000 to $250,000. Loan terms range from 6 to 84 months.

## Fees

A broker and introducer fee of up to $1,500 applies when a loan is successfully funded. Depending on the lender, an establishment fee of up to $450 may also apply. There are no upfront fees to apply.

## Who Zooma helps

Zooma works with employed New Zealanders who have a good credit history, including NZ citizens, permanent residents and eligible visa holders aged 18 and over with a regular income.

## Reviews and trust

Zooma holds a 5.0 star rating on Trustpilot based on over 1,040 reviews and a 5.0 star rating on Google based on over 180 reviews. Reviews are collected under the Lending Room name, the team behind Zooma.

## Key pages

- Homepage: https://www.zooma.co.nz/
- Personal loans: https://www.zooma.co.nz/personal-loans/
- Car loans: https://www.zooma.co.nz/car-loans/
- Debt consolidation: https://www.zooma.co.nz/debt-consolidation/
- Home renovation loans: https://www.zooma.co.nz/home-renovation-loans/
- Boat and jetski loans: https://www.zooma.co.nz/boat-jetski-loans/
- Medical and dental loans: https://www.zooma.co.nz/medical-dental-loans/
- Travel loans: https://www.zooma.co.nz/travel-loans/
- Visa holder loans: https://www.zooma.co.nz/work-and-resident-visa-holders/
- Secured loans: https://www.zooma.co.nz/secured-loans/
- Business loans: https://www.zooma.co.nz/business-loans/
- Apply: https://www.zooma.co.nz/apply/
- Contact: https://www.zooma.co.nz/contact/