Personal loans from $500 to $20,000

“when i need money, it’s cool knowing dtr’s there for you”

Sarina, dtr Hamilton customer for 3 years

Apply now

Rates from 9.95%p.a.

through to 29.95% p.a. variable


100% online application

It will only take around 10 mins


Once approved we'll deposit

your money into your bank account

Here's what you'll need

  • Valid NZ drivers licence or passport
  • Online internet banking access
  • Valid email address
  • Valid mobile phone number

How much can I afford?

Simply tell us a bit about yourself, and we will provide you an indicative amount that you could borrow.


Need a little extra money to help you get through at the moment?

If you’re finding things a bit tight at this time of the year, we might be able to help with a personal loan of between $500 and $20,000. Our tailored interest rates start from 9.95% p.a. through to 29.95% p.a. variable depending on your circumstances. And to help even more, you won’t be charged an early repayment fee. That means once you get back on your feet, you can repay the loan in full if you wish.

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Competitive Rates

Our interest rates range from 9.95% to 29.95% pa variable, depending on your financial circumstances. Our APR (which includes interest rates and mandatory fees) ranges from 15.04% to 35.28%

Below is a representative example of an easi-cash loan:

Let’s say you apply for a $3,000 loan

Each loan carries an establishment fee up to $210, which is added to your approved loan amount

So, the total loan amount (including the establishment fee) comes to $3,210

The loan is financed at an interest rate based on your financial circumstances and paid back over an affordable term (in this case 60 months)

Terms and Conditions: Responsible lending criteria, mandatory fees, interest, terms and conditions apply. Interest rate 9.95% p.a. - 29.95% p.a. variable, depending on your circumstances. Rate may change. Security may be required. Mandatory fees: Administration fee of $8.49 a month, PPSR fee $8.05, establishment fee of up to $210 to be paid up front or capitalised over the contract term. Minimum term 12 months. Maximum term 60 months. Optional dtr liability waiver (DLW) may also apply. Satisfactory evidence of household insurance may be required if DLW is not selected. Click here to see full terms and conditions. If you have any questions with regards to this application or the contract please contact dtr on Ph 0800 734 735 or email Thorn Group Financial Services Limited (trading as dtr), 8 Business Parade South, Highbrook, Manukau 2161

Indicative Offers

Based on the information you have provided, we believe we may be able to offer you the following products. The next step is to click on the product you would like and complete our application process.


Borrow up to * at an interest rate of - * pa

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Borrow up to * at an interest rate of - * pa

Apply now

* Interest rates and limits shown above are indicative only. All contracts are subject to a full application process including affordability, credit and responsible lending criteria. See here for full terms.

How much can I afford?

Simply tell us a bit about yourself below, and we will provide you an indicative amount that you could borrow, and the likely interest rate that could apply.

I am and have been in the region for .

I currently earn per week after tax, and have my own home & contents insurance.


I would best describe my credit history as and I currently have outstanding default(s).

The best way to get in touch with me is by me at

Check my rate