Borrow

Fast, easy personal loans. Your money, your way.

No more headaches, no more hassle – just fast, seamless digital lending at your fingertips. Borrow up to $75,000 with a loan term of up to 7 years.
Terms and conditions apply

Your ticket to fast, easy, totally digital borrowing

Manage your personal loan in the same place you manage your spending and saving. View your loan balance at any moment and make repayments all from the Dosh app.

How to apply for
a Dosh Personal Loan:

1. Apply within 5 minutes from your Dosh app or click the Apply now button below.

2. The loan issuer will assess your application.

3. Once your loan is approved, you can view you loan in your Dosh account.

Apply now

The details
and fees

  1. Borrow between $2,000 and $75,000
  2. Fixed interest rate between 16.25% p.a. and 19.95% p.a.
  3. Get a loan term between 1 and 7 years
    Establishment fee $140 + broker fee $100 + admin fee $9.85 per repayment
    Zero early repayment fees
Terms and conditions apply
Check your rate

Frequently asked questions

How do I apply for a Dosh Personal Loan?

You can apply for a Dosh Personal Loan by clicking 'Apply now' above or from your Dosh app by opening your account and tapping on the + next to your account. Simply follow the quick application process and our team will be in contact with you with next steps.

To apply for a Dosh personal loan, you need:
•  To be aged 18years or over
•  To be a NZ citizen or a permanent resident of NZ
•  A valid NZ driver’s license or passport (NZ or overseas)
•  Proof of income and expenses via bank statements (we’ll ask for this after you have submitted your application)
•  Have an active Dosh account to receive your loan and make repayments

What does unsecured mean?

A Dosh Personal Loan is unsecured. Meaning the loan issuer doesn’t take security against any of your assets to provide you with the loan. This differs from a secured loan such as a home loan, where your home is used as security in the case that you don't pay of the loan.

What can I use a Dosh Personal Loan for?

A Dosh Personal Loan can be used for a variety of reasons, such as to cover an unexpected expense or to consolidate your debt.

Is a personal loan right for me?

Borrowing money can be a significant financial decision, so it’s important to do your research to help make the decision that’s right for you. Depending on what your need is and your financial situation, a loan may not always be the best solution. Before we provide you with a Dosh Personal Loan, we are required to make sure you can manage repayments without getting into financial hardship.

Dosh home loans

Soon you'll be able to access a game changing home loan offering with Dosh.

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Join our network of thousands of clever Kiwis spending, saving and borrowing in Dosh. Get Dosh today.

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Start managing!