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Fundme NZ review

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

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Our verdict

Fundme NZ suits New Zealand borrowers and businesses that want a broker to place their loan, with personal and business lending of up to NZD 70,000 at a rate of 12.95%. Eligible unsecured business loans can be funded within 24 hours, and the credit check is soft prequal.

Key facts

Best for
New Zealand personal and business lending placed by a licensed broker, funded quickly.
APR
12.95%↗
Loan amount
up to NZ$70,000↗
Term
84 months↗
Credit check
Soft prequal↗
Funding time
24 hours↗
Lender type
Broker↗
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↗
Loan types
Personal, Business, Car, Secured, Credit-line, Debt-consolidation↗
Use cases
Home-improvement↗
Legal entity
Fundme Limited↗
Headquarters
New Zealand↗
Support channels
Email, Phone↗
Features
Same-day funding, Credit line
Official website
fundme.nz

Brokers

Regulators
Financial Markets Authority↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • A single application covers personal, business and car lending, from a car loan to a credit line, in amounts of up to NZD 70,000.
  • Eligible unsecured business loans can be funded within 24 hours.
  • The credit check is soft prequal, so an early quote stays soft.
  • A 84 term gives more room than the 36 most borrowers take.

Cons

  • The 12.95% rate sits above the 14.43% typical of the personal loans in the comparison, so cost is the weak side.
  • Fundme Limited is a broker, so the rate and any fee come from whichever lender takes the application.
  • The eligibility rules lean on trading history and bank statements, and a line of credit wants a minimum trading period, which narrows who is accepted.
Fundme NZ

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • New Zealand homeowners planning home improvement who would rather not visit a branch.
  • Established small businesses with tidy statements, since business loans are assessed on trading history and bank statements.
  • Borrowers who want a soft first look, because the check is soft prequal.

Who should look elsewhere

  • Cashspace, whose rates run PHP 12 to PHP 36 in another currency, serves a different market.
  • Sofkredit, at 10.74% to 18.06%, covers a rate band outside New Zealand lending.
  • Creduma ES, where lending starts at from €12,000, is built around a larger euro borrowing.

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 does Fundme NZ charge?+

Personal loans are quoted at 12.95%, above the 14.43% typical of the personal loans in the comparison. Fundme Limited is a broker, so the final rate comes from the lender that takes the application and the profile you bring to it.

How much can I borrow and for how long?+

Lending reaches up to NZD 70,000 for personal and business borrowers in New Zealand (NZ), with terms of 84. The same application covers personal, business and car borrowing, so a car loan, a credit line or a debt consolidation loan can be sorted alongside a larger personal loan.

How quickly is the money paid out?+

On eligible unsecured business loans the money can be funded within 24 hours, and same day funding and credit line is listed for those products. A personal loan applicant should still plan around the assessment of trading history and bank statements before the funds are released.

Who regulates Fundme NZ?+

Fundme Limited is regulated by the Financial Markets Authority in New Zealand, and its financial advice licence number is FSP1005055. That licence covers advice, so the loan contract itself sits with the lender who takes the application.

What credit check do I face?+

The credit check is soft prequal, so the first quote stays soft and a full search follows only once you accept an offer. Business lending is weighed against trading history and bank statements, which is why documents matter as much as the personal file.

Who can apply?+

Applications come from New Zealand businesses and borrowers (NZ). Business loans are assessed on trading history and bank statements, a line of credit asks for a minimum trading period, and a franchise or startup needs some equity of its own. A credit line sits within personal, business and car.

How can I reach the team?+

Help runs on email and phone, so an email or a phone call reaches the team behind the application, and a soft prequal quote can be started online in the meantime. Business borrowers often need the phone line, since statements and documents are discussed there.

Do I deal with Fundme NZ or with a lender?+

Fundme Limited is a broker, so the application goes to a lender and the offer is made by the lender rather than by the site you applied through. Read the rate and terms from the lender and set them against a direct application before you commit.

Sources

  • fundme.nz checked September 26, 2026

    Backs: Credit check, Loan types

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

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

    Backs: Regulators

  • 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: Features, Funding time

    “Funding time: As fast as 24 hours; Line of Credit: Facility $2,000 - $500,000, Interest on drawn balance only”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Representative example.

Related by the facts

Fundme NZ

Fundme NZ

New Zealand personal and business lending placed by a licensed broker, funded quickly.

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