Fundme NZ review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Fundme NZ is a New Zealand broker worth weighing if you want a single application covering personal, business, car, secured, credit line and debt consolidation borrowing. Funding in 24 hours once a lender agrees is the main draw, with an APR of 12.95% to weigh against the market.

Key facts

Best for
A single New Zealand broker covering personal, business and credit line borrowing under one application.
APR
12.95% (Source, checked September 26, 2026)
Loan amount
up to NZ$70,000 (Source, checked September 26, 2026)
Term
84 months (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
24 hours (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
New Zealand businesses and borrowers; business loans assessed on trading history and bank statements, line of credit requires 2 years minimum trading, franchise/startup needs 20% equity (Source, checked September 26, 2026)
Loan types
Personal, Business, Car, Secured, Credit-line, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Fundme Limited (Source, checked September 26, 2026)
Headquarters
New Zealand (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Features
Same-day funding, Credit line
Official website
fundme.nz

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • A soft prequal credit check shows what is on offer before a full application reaches a lender.
  • Funding in 24 hours once a lender agrees, which suits a time sensitive purchase or project.
  • Loan sizes reach up to NZD 70,000 and terms reach 84, well above the 48 median term across the listing.
  • The stated use case is home improvement, so the personal loan is aimed at property work.

Cons

  • As a broker, Fundme NZ sits between borrowers and lenders, so the approval and the price rest with the lender that takes the application.
  • Business lending is judged on trading history and bank statements, and a credit line needs a minimum trading period, which closes the door on newer trading.
  • Support runs on email and phone only, so live chat is not among the listed routes.
Fundme NZ

Ready to try Fundme NZ?

Scored 8.7 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers who would rather deal with a single New Zealand broker than compare lenders one by one.
  • Anyone who wants a soft prequalification before committing to a full application.
  • Businesses with trading history and bank statements ready, plus equity for a franchise or startup purchase.

Who should look elsewhere

  • Monzo Flex, where a 10% to 23% range may already beat the 12.95% on offer here.
  • Cashspace ES, listed at 0% APR, when the rate is the deciding factor.
  • Cashspace, whose PHP 12 to PHP 36 spread is worth checking before accepting a rate in this range.

The company behind it

Fundme NZ is Fundme Limited, based in New Zealand, and works as a broker rather than the lender itself. It holds a Financial Markets Authority financial advice provider licence, FSP1005055, so recommendations sit inside a regulated frame. Support runs on email and phone rather than in-app messaging.

How Fundme NZ compares

Where Fundme NZ is available

Available
New Zealand
Licence in New Zealand
Financial Markets Authority (Class 3 Financial Advice Provider Licence) (FSP1005055), checked September 26, 2026

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

Frequently asked questions

What rate will I pay on a Fundme NZ personal loan?+

The advertised rate is 12.95% on personal loans, with terms reaching 84 and loan sizes reaching up to NZD 70,000. Because Fundme NZ is a broker rather than the lender, the illustration a lender sends is the figure to compare on.

What credit check will I have?+

The check is a soft prequal, so you get a read on what is available before a lender sees a full application. Business applications are judged on trading history and bank statements, and a credit line asks for a minimum trading period behind the business.

How quickly is money paid out?+

Once a lender agrees, funding can complete in 24 hours, and same day funding and credit line lists same day funding alongside a credit line. That clock starts after approval, so the prequalification stage will not move the payout date forward.

Who is behind Fundme NZ and is it regulated?+

The entity is Fundme Limited, based in New Zealand, and it holds a Financial Markets Authority financial advice provider licence, FSP1005055. As a broker, the loan contract itself is signed with the lender you are introduced to.

What can I borrow for, and who qualifies?+

The personal, business and car range covers personal, business, car, secured, credit line and debt consolidation lending, with home improvement the stated use. Franchise and startup buyers need an equity contribution, and business assessment runs on trading history and bank statements.

How do I get hold of the business?+

Support runs on email and phone, so questions go by email or phone from a team based in New Zealand. The published channels cover those two routes, with no live chat or messaging service listed, and Fundme Limited is the entity that answers.

How does the rate compare with Cashspace and Monzo Flex?+

Fundme NZ publishes an APR of 12.95%, against PHP 12 to PHP 36 for Cashspace, 0% for Cashspace ES and 10% to 23% for Monzo Flex. Those sit in different markets, so the useful comparison is the rate a New Zealand lender offers, which the broker illustration shows.

Sources

  • fundme.nz checked September 26, 2026

    Backs: Credit check, Loan types

    “An initial eligibility check will not impact your credit score.”

  • fundme.nz/contact-us checked September 26, 2026

    Backs: Support channels

    “Email hello@fundme.nz - We respond within one business day; Phone number; Send us a message”

  • fundme.nz/disclosure-statement checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Licences

    “Registered address 28 Tosswill Road, Prebbleton 7604, Canterbury, New Zealand”

  • fundme.nz/personal-loans checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Term, Use cases

    “Personal Loan ... $70K Maximum”

  • fundme.nz/unsecured-business-loans checked September 26, 2026

    Backs: Funding time, Features

    “Funding time: As fast as 24 hours”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Representative example.

Fundme NZ

Fundme NZ

A single New Zealand broker covering personal, business and credit line borrowing under one application.

8.7/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings