Personal loans $2,500 - $50,000

For all those things you want to do in 2022

With a Thorn Finance Personal Loan you can borrow from $2,500 to $50,000 at competitive interest rates tailored just for you. So, whatever plans and dreams you’ve got for the year ahead, we’re here to help you live the life you want.

Get Started How it works

Terms and Conditions: Responsible lending criteria, terms and conditions apply. Interest rate 9.95% p.a. - 22.95% p.a. variable, determined by credit risk. Mandatory fees: account fee of $3.25 a month (other payment frequencies available), $75 to be paid up front or capitalised over the contract term. Rates and fees may change. Other non-mandatory fees and charges may also apply. Minimum term 12 months. Maximum term 60 months. Security and vehicle insurance may also be required.

$5,000 - $50,000 Debt Consolidation Loans

0% pa fixed for the first 6 months

If you've got debts with other lenders, we might be able to help you simplify things. By combining them into one, easier to manage, debt consolidation loan. With 0% pa fixed interest for the first 6 months, and no establishment fee!

Click here for more information

Terms and Conditions: Offer valid for debt consolidation loans between $5,000 and $50,000. Offer only valid for qualifying customers. Responsible lending criteria, terms and conditions apply. Interest rate 0% p.a. fixed for first 6 months. At the end of that period, the applicable interest rate for the remaining term of your loan will be 9.95% p.a. – 22.95% p.a. variable determined by credit risk. Repayments are spread evenly across the full term of the agreement, so the first 6 months payments are principal only, then principal and interest for the remaining term. Mandatory Fees: administration fee of $3.25 a month (other payment frequencies available). Other non-mandatory fees and charges may also apply. Minimum term 12 months. Maximum term 60 months. Security and vehicle insurance may also be required.

Calculate Repayments

How much?

$2,500

$50,000

How long?

12 Months

60 Months

Interest Rate

Approximate weekly payment

$

per week over

weeks

Your indicative total cost of borrowing will be $1,426

*Repayment amounts and interest rates shown above are indicative only and may vary upon application based on credit lending criteria.

Calculation above includes a mandatory account fee of $0.75 a week and an establishment fee of $75 capitalised over the contract term. Repayment amounts shown above are indicative only, based on the details you have selected. Thorn Finance interest rates and loan terms are determined by credit risk and responsible lending criteria. Rates and fees may change. This calculator does not take into account your personal circumstances and is neither financial advice nor an offer of finance. Responsible lending criteria, terms and conditions apply.

How much?

$2,500

$50,000

How long?

6 Months

60 Months

Interest Rate

Approximate weekly payment

$

per week over

Your total cost of borrowing will be $1,426

*Repayment amounts and interest rates shown above are indicative only and may vary upon application based on credit lending criteria.

Thorn Finance's normal lending criteria and loan terms apply. Repayments shown are indicative only and include a $75 application fee. Secured indicative repayments include an $8.05 PPSR registration fee. Full disclosure of all the terms of your loan will be provided prior to the finalization of your loan.

About us

Kiwi owned, we understand that not everyone has the spare cash to buy, and do the things they want, when they want. So, we offer finance solutions to meet their changing needs and help them live the lives they want. That could be a personal loan for a new car, home renovations, an overseas trip, or debt consolidation.

Learn more

Rates and Fees

We like to be straight up about any and all costs involved with our loans. So, you’ll find a full list of our interest rates and fees here.

Competitive rates

Our competitive interest rates range from 9.95% – 22.95% pa variable, determined by credit risk. Our APR (which includes interest rates and mandatory fees) ranges from 10.93% to 30.87%

Mandatory fees: account fee of $3.25 a month (other payment frequencies available), establishment fee of $75 to be paid up front or capitalised over the contract term

Below is a representative example of a Thorn Finance personal loan:

THORN FINANCE TERMS AND CONDITIONS: Responsible lending criteria, terms and conditions apply. Interest rate 9.95% p.a. - 22.95% p.a. variable, determined by credit risk. Mandatory fees: account fee of $3.25 a month (other payment frequencies available), $75 to be paid up front or capitalised over the contract term. Rates and fees may change. Other non-mandatory fees and charges may also apply. Minimum term 12 months. Maximum term 60 months. Security and vehicle insurance may also be required.

Supplementary terms for debt consolidation loans only: interest rate 0% p.a. fixed for first 6 months (at the end of that period, the applicable interest rate for the remaining term of your loan will be 9.95% p.a. – 22.95% p.a. variable determined by credit risk); repayments are spread evenly across the full term of the agreement so the first 6 months payments are principal only, then principal and interest for the remaining term; no establishment fee.