Lending Crowd Personal Loans

Lending Crowd is a New Zealand provider of peer-to-peer personal loans.

Logo of Lending Crowd, a fintech lending platform

Lending Crowd was launched in NZ in 2015. It’s a peer-to-peer lending provider that is part of Finance Direct, which offers loans from its own funds in addition to brokering loans from third-party financial institutions. Quick, easy and 100% online, Lending Crowd offers a hassle-free loan experience.

What personal loan options does Lending Crowd offer?

Here’s an overview of the loans offered by Lending Crowd:

  • Lending Crowd offers long-term personal loans from $2000 to $200,000. Loan terms can be either two, three or five years
  • Fixed interest rates start from 8.95%
  • There are no fees for early repayment

Lending Crowd has a three-tier fee structure to establish a loan: 

  • $2000 to $20,000: $200 fee
  • $20,050 to $50,000: $250 fee
  • $50,050 to $200,000: $300 fee

How do I apply for a Lending Crowd personal loan?

Lending Crowd’s business is 100% online, so to apply for a loan, simply visit the Lending Crowd website and click to begin the application process. By submitting your wage and credit rating details, you can obtain a quote in seconds. Typical pieces of information you may need to include in your application include:

  • Valid proof of identification, such as your passport or drivers licence
  • Proof of income
  • Your typical expenses such as rent/mortgage payments, household costs, insurance, etc
  • Any current outstanding debts

You’ll also need to meet the following requirements:

  • Be a person (i.e. not a company or other legal entity)
  • Be a New Zealand citizen with a valid NZ driver licence or NZ passport
  • Be over 18 years of age when applying

To find out how much you could afford to borrow, check out Canstar’s personal loan repayment calculator.

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Written by: Caitlin Bingham | Last updated: October 17, 2023