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Ready to say yes
to the change you’ve been thinking about?

Fast, simple, personalised finance.

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See How It Works

Finance from
$2,000 to $150,000

Fast approvals. often within hours

Flexible terms up to 7 years

Personal, one-on-one support

Fast approvals. often within hours

Flexible terms up to 7 years

Personal, one-on-one support

$5,000
24 Months

Estimated Repayment

$0 /week

Not quite what you expected? We’ll work with you to find an option that fits.

Apply Online Now

Disclaimer: Results from this calculator are to be used as a guide only. It is not a quote or an offer of finance. It is not an indication of loan pre-qualification. The calculation uses an example rate of 10.95% p.a. and is based on amortised fixed payments and interest rate for the term of the loan.

*Loan terms and what you need to know: Normal lending criteria and loan terms apply. Loan Applications are subject to Responsible Lending Enquiries. Repayments shown are indicative only and include a $510 establishment fee and a $2.50 monthly service fee.  Some applications will be subject to an additional broker fee of $395-$500.  Interest rates range from 10.95% to 29.95% p.a. Loan terms range from 6 to 84 months. Full disclosure of all of the terms of your loan (including the total amount payable over the term of the loan) will be provided to you prior to finalisation of your loan. 

Why choose Kiaora Finance?

Because you want personal service from someone that will do their very best to get an approval for you!

At Kiaora Finance, we specialise in fast, personal, and vehicle finance  No corporate call centres. No being treated like a number.

Just straightforward advice, fast turnaround times, and honest conversations.

You’ll deal directly with Toni, an experienced finance professional with over 25 years in the industry, who understands how important it is to provide you with the best options available.

Fast answers – often within a few hours

Funds processed within 24 hours (once approved)

Access to a trusted range of New Zealand lenders

Personal support 7 days a week

Competitive interest rates

Vehicle Finance

Finance for your next new or used car, ute, suv, or van, with flexible options and a simple application process.

Personal
Loans

Simple personal loans for travel, home improvements, weddings, funerals, or life’s bigger expenses, with clear terms and repayments.

Debt Consolidation

Combine credit cards and loans into one manageable repayment with a debt consolidation loan from Kiaora Finance.

Cosmetic and Surgical Finance

Bariatric / Weight loss surgey, Dental Procedures, Facelift surgery, Overseas Surgical Procedures, Mummy Makeovers. Our surgery finance options are endless, you name it, we can finance it.

Boat
Finance

Get on the water sooner with boat finance options, new or used launches, runabouts, yachts and more.

Motorhome Finance

Finance a new or used motorhome or caravan for your next Kiwi road trip, with options to suit your plans and budget.

Caravan Finance

Finance your next caravan or fifth wheeler and make the most of every summer with simple, flexible repayments.

Motorbike Finance

Finance for road, adventure and cruiser motorbikes and scooters, with our no-nonsense, straightforward application process.

Tiny Home Finance

Finance options for your tiny home with personal service from start to finish.

If it matters to you, we’ll do our best to help make it happen

photo of Toni, needs a descriptive human-centered alt

You’re not just a number here.

Hi, I’m Toni.

I’ve worked in finance for over 35 years, from corporate banking to managing finance branches, and as an independent broker for many years now.

I also understand finance is a very personal thing and can be hard to know who you can trust to provide you with good sound advice and the best finance options available for your needs.

That’s why I created Kia ora Finance – to make finance simpler, faster and less intimidating.

When you apply, you’ll hear from me directly.

Not a call centre. Not a chatbot. Me.

About Toni

You’ve thought about it, now let’s take the next step.

Apply online now and let’s get started.

Apply Online