Personal Loans

Need a little extra money to help you get through at the moment?

Even though our branches are closed due to the Government Lockdown, the team are all now set up working from home, and able to process and approve easi-cash personal loan applications.

What’s even better, you won’t be charged a loan establishment fee or early buy out fee for loans approved during the lockdown period. That means once you get back on your feet, you can repay the loan in full if you wish, with no penalty fees.

100% online process from application to money in your bank.

Here’s what you need to apply:

Please understand, that as responsible lenders, we’re having to assess applicant’s affordability a little differently during these uncertain times. And because we cannot view items to register against loans for security, new customer loan applications can only be for unsecured loans.

  • Responsible lending criteria, mandatory fees, interest, terms and conditions apply.
  • Interest rate 9.95% - 29.95% pa, depending on your circumstances. Rate may change.
  • Security maybe required for existing easi-cash customers.
  • Mandatory fees: Administration fee of $8.49 a month, PPSR fee $8.05 to be paid up front or capitalised over the contract term.
  • Minimum term 12 months. Maximum term 60 months
  • Optional dtr liability waiver (DLW) may also apply. Satisfactory evidence of household insurance may be required if DLW is not selected.
  • Click here to see full terms and conditions
  • If you have any questions with regards to this application or the contract please contact dtr on Ph 0800 734 735 or email
  • Thorn Financial Services Limited (trading as dtr), 8 Business Parade South, Highbrook, Manukau 2161


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At dtr, treating people fairly is important to us. That's why we make sure everyone gets an equal chance to own the things they need, with payments to suit their budget. And because we know things in life sometimes change, we can help you adjust your payments, so you won’t get in over your head.


Indicative Offers

Based on the information you have provided, we believe we may be able to offer you the following products. The next step is to click on the product you would like and complete our application process.

easi own

borrow up to

at an interest rate of
- * pa

Apply now

easi cash

borrow up to

at an interest rate of
- * pa

Apply now

* Interest rates and limits shown above are indicative only. All contracts are subject to a full application process including affordability, credit and responsible lending criteria.

How much can I afford?

Simply tell us a bit about yourself below, and we will provide you an indicative amount that you could borrow, and the likely interest rate that could apply.

I am and have been in the region for .

I currently earn per week after tax, and have my own home & contents insurance.


I would best describe my credit history as and I currently have outstanding default(s).

The best way to get in touch with me is by me at

Check my rate