Can I still get a personal loan if I'm self-employed?

Yes, you can get a personal loan from us.  Providing you meet all our Terms & Conditions and our Loan criteria.  

How Much Can I Borrow?

We calculate the amount you can borrow, as well as the interest rate you’ll pay, by using your personal after tax income. This requires you to present verification, as well as a copy of your latest tax assessment notice and/or your latest financial statements, showing two years of trading results.  

As a self-employed application, you’ll also need to meet the following criteria:

  • 18+ years of age.
  • A permanent resident of New Zealand.
  • Adequate proof of identity.
    (Note: Co-borrowers are allowed to join an application for a loan).
  • Permanent or fixed address, either as an owner, buyer or renter. This includes boarders who are sharing or living with their parents.
  • Discharged Bankruptcy, NAP (Non-Asset Procedure) or SIO, which must be declared.
  • A demonstrated capacity to service (repay) the loan.

For more information on your eligibility and the documentation you’ll need, please see ‘Am I eligible for a personal Loan?’ and ‘What information do I need to apply?'


More frequently asked questions about personal loans