Up To $50,000 Loan Unsecured.

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Unsecured personal loans up to $50,000, no property required

If you need funds for debt consolidation or a clear financial reset, an unsecured personal loan can be a practical option. With unsecured lending, there is no property required as security, which means you do not need to own a home to apply.

At Finance Corp., we help New Zealanders compare lenders and structure a loan that fits your budget, with a focus on keeping repayments manageable and the total cost clear.

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What an unsecured loan can help with

Debt consolidation
Combine multiple debts, such as credit cards, personal loans, hire purchase, and Buy Now Pay Later balances, into one repayment with one due date. This can make budgeting easier and reduce the risk of missed payments.

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Saving towards home ownership
By consolidating and creating a clearer repayment plan, many people find they can stabilise their cash flow and start building savings again. Whether consolidation helps you save sooner depends on the interest rate, fees, and term, so we map the numbers with you.

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Unexpected costs or planned expenses
Unsecured personal loans can also cover essential expenses where you want a structured repayment plan rather than revolving credit.

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What to consider before you apply

 

Interest rates and fees
Unsecured loans usually have higher rates than secured lending, because the lender is taking on more risk. The rate you are offered depends on your credit history, income, existing debt, and the lender’s policy. Always compare the total cost, including establishment fees, monthly fees (if any), and early repayment fees where applicable.

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Loan term and total cost
A longer term often lowers repayments but increases total interest. A shorter-term loan costs less overall but requires higher repayments. We help you balance affordability with reducing total cost.

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Responsible lending checks in New Zealand
As of February 2026, lenders must make reasonable inquiries to ensure a loan is likely affordable and suitable, and they must keep records of how they met those obligations.

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Clear disclosure before you agree
Lenders must provide key information about the loan, including costs and terms, before you enter into it.

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Your credit file
It can be useful to check your credit report before applying, especially if you suspect errors. In New Zealand you can request your credit report for free.

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When debt consolidation makes sense

Debt consolidation can be effective when it reduces your overall interest cost, simplifies your repayments, and supports a plan to stop the debt cycle. It can be less effective if the new loan extends the debt over a much longer period or adds fees that outweigh the benefit. Consumer Protection recommends checking fees and penalties carefully.

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Talk to us.

For more details on unsecured loans up to $50,000 and whether debt consolidation is right for you, call 022 125 9110 or click here for more information on Personal Loans.

 

This article is accurate as of 23 February 2026. Please note that financial advice changes regularly, so this information in this article, should be used as a guide only. Please call us for up-to-date information.