People powered funding that creates real change.

Personal Lending

Personal Lending funded by everyday Kiwis.

Personal Investing

Everyday Kiwi’s putting their money to use.


Kiwi’s helping each other and more.


ChangeFund has a clear mission; to make a positive impact in New Zealand for all people.  Our founder & CEO Kyle Meloche has written an eBook about why its essential that business – with the support of consumers – lead the charge to make the world a better place.

Download the book for free.


Online Application

We keep our fees low by basing our business entirely online. Our online loan application can be completed anywhere, anytime. Before you begin, you need to be at least 18 years of age, have an online banking account (or 3 months’ bank statements & payslips) and a NZ Driver’s license or NZ Passport.

LowER fees

Our mission is to help people, so we keep our fees simple and competitive. Check them out for yourself here. You are not penalised for paying off loans early, We want you to get the best out of your loan.

IT'S YOUR choice

What suits you best? Loans can be 3 or 5 year terms and you can choose your payment frequency. Plus we won’t sting you for paying your loan back in full. Borrow from $2,000 to $60,000.


We’re always aiming to offer the lowest rates possible. The rate of your loan is fixed for the life of the loan so your repayments won’t change. Our algorithms calculate your rates based on your credit score and servicability.


Because our service matches everyday Kiwi’s to lend and invest in each other, we can offer the best interest rates possible.

ChangeFund is a social enterprise with a mission to help people – that’s why we donate a portion of our revenue and profits to charities.

What’s p2p Lending?

Peer to Peer Lending is the practice of lending money between individuals through online services that match lenders with borrowers.  This turns out to be a good deal for borrowers because they get a better interest rate than they might through a traditional bank loan or credit card.  Investors also receive higher interest rates than expected at a bank, as they are investing directly into the personal loans.


We want to create a revolution in business, in finance and in the world at large.  Why don’t businesses support charities directly?  Why do banks charge such large margins?  Because we let them.

The change starts with us, let’s do better, together.

Our Journey

The Big Idea – ChangeFund

August 22, 2015

The Big Idea – ChangeFund

The idea hit me; why can’t charities simply set up businesses to fundraise for them?  Hell, why don’t businesses put their profit towards social change, charity work and making the world a better place? ChangeFund was born out of the idea that business should do more for the world.

Then there were two

September 23, 2015

Then there were two

After researching, planning and getting more information, Kyle found a partner who believed in the idea.  Ruven – now our sales & marketing consultant – starting working for ChangeFund pulling his network of contacts into the mix.

Australia or New Zealand?

November 21, 2015

The decision became where to launch.  Our founders were both New Zealanders living in Australia.  After a lot of research and consultation, we decided to go back to the Land of the long white cloud.  New Zealand would be our launching pad.

Bring In The Experts

January 8, 2016

Bring In The Experts

With the venture established, it was time to bring in the experts.  ChangeFund brought on Chantal as the a co-founder and partner to manage operations.  We also found consultants in legal, finance, IT and human resources to help us on our journey.

Latest News

The ChangeFund team has been working for years to bring New Zealand the world’s first social enterprise Peer To Peer Lending Platform.   With the help of everyday Kiwi’s, we believe we can change the world.  For the better, together.

Babies, Weddings & ChangeFund Launches

It's been a busy the past few years for the ChangeFund team -  we saw our CEO get married, our COO and her husband Tod had their second child, we had family trips to Europe, 100km ultramarathons and one of our team members living in Asia for 10 months to focus on...

Changefund’s Founder Writes New Book

We're pleased to announce the release of the ChangeFund founder's first book; titled "Change - Time To Evolve".  Our mission here at ChangeFund is to be the change we want to see in the world.  We believe that business should do a hell of a lot more than it currently...