P · 01 · Belmont Financial Services Ltd · New Zealand

Unsecured personal finance, fixed rate, fixed term.

Belmont arranges unsecured personal loans through a panel of New Zealand lenders. Consolidation, home improvement, medical, travel, and life events. Applications are decisioned the same business day.

Rates from
9.95% p.a.
Amount
$2,000+
Term
6 – 60+months
Decision, median
Sameday
The broker's work

Personal finance is rarely about the headline rate. Belmont's work is to read the file and place it with the lender whose appetite fits the borrower.

Belmont does not lend on its own balance sheet. Each application is matched to the lender on our panel whose criteria, pricing, and underwriting style fit it best. Rate bands across the personal panel on file to May 2026.

Belmont reviews eligibility against a specific, consistent baseline before submission. Criteria apply in addition to lender-specific policy.

Rate bands, personal finance
TierRateTermsNotes
Prime — clean credit9.95 – 13.95%12 – 60+ moStandard
Mid-Prime — minor history13.95 – 19.95%12 – 60 moStandard
Sub-Prime — complex history19.95 – 29.95%12 – 48 moManual review
Consolidation11.95 – 19.95%24 – 60+ moDebts paid direct
Medical & life events10.95 – 17.95%6 – 60 moDocumented purpose

Actual rate depends on lender assessment, credit profile, income stability, and loan purpose.

The questions Belmont reviews against. Lender-specific criteria apply in addition.
ResidencyNZ citizen, permanent resident, or work visa with 12+ months validity remaining.
Age18 or older, with valid photo ID (passport or NZ driver licence).
IncomeDocumented income sufficient to service the loan at the assessed rate. Bank statements or payslips covering the last 90 days.
EmploymentThree months in current role preferred. Self-employed accepted with two years of trading history.
Credit fileHonest credit-file disclosure. Adverse events are reviewed in context, not rules-out.
PurposeDocumented where material — consolidation schedule, quote, invoice, or treatment plan strengthens submission.
Accredited personal lenders

Belmont holds accreditation with bank and non-bank lenders across the personal finance panel. Specific lender identities are disclosed at point of placement.

Lender A
Lender B
Lender C
Lender D
Lender E
Lender F
Lender G
Lender H

The questions that matter, answered directly.

How do fees work?

There are no up-front charges. Belmont's brokerage and the placing lender's establishment, PPSR, and ongoing fees are itemised on the loan contract before signing, then drawn from the facility at settlement — not invoiced to the borrower.

How long until funds are available?

Personal finance is typically decisioned same business day. Funds disburse within one to two business days of signed documentation, subject to lender processing.

Does applying affect my credit file?

Belmont runs a soft assessment first where supported. A hard credit enquiry is only recorded once you consent to formal lender submission.

Can I repay the loan early?

Yes. Belmont prefers lenders with transparent early-repayment terms. Specific fees are disclosed on the contract before signing.

Start a personal finance application.

No hard credit pull until you authorise a specific lender submission.

Start an application See indicative rates

Self-assess first — Indicative tier and rate band in your browser. No enquiry recorded.