Dosh review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Dosh suits New Zealand borrowers who want one app for a home loan and a personal loan, and who will accept a short fixed period. Home loan initial rate is 4.79% with a 0.5 fixed period, while personal loans carry an APR of 14.95%. Early repayment is free.

Key facts

Best for
Borrowers already holding a dosh account who want a home loan and a personal loan in one place.
Initial rate
4.79% (Source, checked September 26, 2026)
Fixed period
0.5 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
NZ$0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer, Buy-to-let (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
MCA Investments Limited (Source, checked September 26, 2026)
Headquarters
New Zealand (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Official website
dosh.nz

Loans

APR
14.95% (Source, checked September 26, 2026)
Loan amount
NZ$2,000 to NZ$75,000 (Source, checked September 26, 2026)
Term
12 to 84 months (Source, checked September 26, 2026)
Arrangement fee
Establishment fee NZD 140 + broker fee NZD 100 + admin fee NZD 6.95 per repayment (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
18 years or older; NZ citizen or permanent resident of NZ; current NZ driver's licence or passport; active dosh account (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Legal entity
MCA Investments Limited (Source, checked September 26, 2026)
Headquarters
New Zealand (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • Personal and debt consolidation borrowing of NZD 2,000 to NZD 75,000 over 12 to 84 at an APR of 14.95%
  • Free early repayment on the loans
  • Home loans for purchase, remortgage and first time buyer at an initial rate of 4.79%
  • Support runs on email, chat and phone

Cons

  • The home loan fixed period is 0.5, short against a site median of 6.5
  • Applications take a hard credit check
  • A broker fee and an administration fee sit alongside the establishment fee, and a product fee of NZD 0 applies
Dosh

Ready to try Dosh?

Scored 8.7 / 10 by BorrowCue.

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Who it suits

  • Adults in New Zealand with a current NZ driver's licence or passport and an active dosh account
  • Home buyers and remortgagors who want a short fixed period and free early repayment
  • Anyone consolidating debts into a single fixed rate loan

Who should look elsewhere

  • Prestalo, whose fixed period is longer and whose initial rate starts lower
  • Creditilia ES, which may suit a different market
  • Sofkredit, whose rate range is much wider

The company behind it

Dosh is operated by MCA Investments Limited, based in New Zealand. Personal loans are arranged as a broker, so the credit decision sits with the funder rather than dosh itself. It holds a Financial Markets Authority licence in New Zealand under FSP1000801. Support runs on email, chat and phone, covering phone, email, chat and a help centre.

How Dosh compares

Where Dosh is available

Available
New Zealand
Licence in New Zealand
Financial Markets Authority (FMA) (FSP1000801), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Dosh charge on a personal loan?+

Personal loans carry an APR of 14.95%, above the site median of 12%. The rate is fixed, and the borrowing runs over 12 to 84 for amounts of NZD 2,000 to NZD 75,000. Debt consolidation lending is offered alongside personal loans.

How much can I borrow?+

Amounts run NZD 2,000 to NZD 75,000 on a personal loan or a debt consolidation loan. Terms run 12 to 84. Home loan lending goes to a maximum loan to value of 90% for purchase, remortgage and first time buyer.

What fees will I pay?+

On a personal loan there is an establishment fee, a broker fee and an administration fee charged per repayment, all listed before you accept. A product fee of NZD 0 also applies, and the fixed rate means the cost per repayment holds steady.

Is Dosh regulated?+

Dosh is licensed by the Financial Markets Authority in New Zealand, with the licence number shown as FSP1000801. The lending entity is MCA Investments Limited, based in New Zealand. Personal loans are arranged as a broker.

Can I repay early without a charge?+

Yes, free early repayment applies, so you can clear a personal or home loan ahead of schedule without an exit fee. Fixed terms run 12 to 84 on a personal loan and 0.5 on a home loan.

Does Dosh check my credit?+

Yes, a hard credit check is part of the application, which is the majority of lenders on the site. The model is fixed rate, so the rate you are offered is set once the check is done.

How long is the home loan rate fixed for?+

The home loan initial rate of 4.79% is fixed for 0.5. That is short next to the site median of 6.5, so refinancing sooner is more likely.

Who can apply?+

Applicants must be adults, citizens or permanent residents of New Zealand, hold a current NZ driver's licence or passport, and already have an active dosh account. The lending side is offered as a broker.

How do I get help?+

Support runs on email, chat and phone, so phone, email, chat and a self service help centre are all available. A phone line is one of the most common support routes among the lenders listed on the site.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APRC.

Dosh

Dosh

Borrowers already holding a dosh account who want a home loan and a personal loan in one place.

8.7/10See alternatives

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