Borrow with purpose

Help yourself while you help others. We can help you  get the most out of life while paying the least on your personal loan. Great loans for those with great credit on amounts between $3,000 and $70,000.


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 have a good credit history, be 18 years of age, not currently in hardship, have an online banking account (or 3 months’ bank statements and payslips) and be a NZ citizen or resident. Also, have handy your passport or driver’s licence


Peer-to-Peer lenders are strictly regulated. The Financial Markets Authority (FMA) is charged with administering laws & regulations to ensure the safe and sound operation of peer-to-peer lending platforms. We work closely with the Financial Markets Authority to ensure we meet our regulatory obligations.


We offer unsecured personal loans at competitive rates. What suits you best?  Loans can be 3 or 5 year terms and you can choose your payment frequency, This is all done via direct debit. There are no penalties for repaying your loan back early. Borrow from $2,000 to $60,000. 


We always aim to offer the best 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.


Borrow at the lowest rates possible so you can get out of debt faster. 

ChangeFund’s mission is to put people first ,that’s you, over profits.  We genuinely care about your financial well being, so you can enjoy your life.


Every personal loan is directly funded by other Kiwi’s; people just like you.  By using technology to connect individuals, we are able to reduce the margins which means lower rates for loans and higher rates for everyday people wanting to invest.


The ChangeFund founders believe that we can be the change we want to see in the world.  Want to know more about our mission?  You can download our book written by our founder & CEO Kyle Meloche for free.


Get the most out of life with low-interest personal loans, meaning you can pay it off faster. The best part?  We donate to charity out of our profits.  

By being conscious of who you’re borrowing from, you’re directly helping people – and yourself.

Complete our survey to get an exclusive invitation to join our platform.

Latest News

Here are the latest updates from ChangeFund in what we’re doing and how we are making a positive impact in New Zealand.

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...