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Click here for more info about your loan & COVID-19

We're proud to be a safe place for Kiwis to borrow money online. We're here to guide you to solutions that meet your needs, but which never go beyond your means.

Choose the loan product that works for you

  • Mini
    $200 to $600
  • KickStart
    $1,000 to $3,000
  • Coming Soon
    $5,000 to $20,000

Min repay 3 months
Max repay 14 months


KickStart loan example

You could get $2,500
for 13 months with
weekly repayments
of $76.55

56 weekly repayments of $76.55

Total fees & interest $1,786.80

Total amount repayable $4,286.80

Interest rate (per month) 9%

Maximum AIR 108%

Talk to someone

Talk to someone

We're proud of the innovative technology we've built around our service but we never want this to get in the way of a simple conversation.
Give us a call when you need a friendly human 0800 27 28 36.
Not all lenders are created equal

Not all lenders
are created equal

Our quest to be absolutely upfront and transparent is not shared by every business so please do be careful out there.
Borrowing money needn’t be a gamble. Read a little more about us.

Frequently Asked Questions

What kind of loans does Save My Bacon offer?

Save My Bacon is committed to innovation and to lowering the average cost of its products to consumers over time. Follow us as we shape the future of lending in New Zealand. The loan products currently on offer with Save My Bacon are as follows:

Mini loan (short-term loan)

Save My Bacon’s Mini loans range in term from 2 to 43 days and incur an annual interest rate (AIR) of 547.5%, which equates to a daily interest rate of 1.5%. AIR is a measure designed to compare the cost of loans on an annual basis, so, due to the short-term nature of a Save My Bacon Mini loan, the AIR doesn't reflect the Mini loan cost. Our Mini loan interest is capped once 60 days have elapsed.

The applicable rates for Save My Bacon’s Mini loan are as follows:

Loan amount Daily interest rate Monthly interest rate Maximum term (days) Annual Interest Rate (AIR)
$200-$600 1.5% 45.63% 43 547.5%

Please click here for more information on our interest and fees.

KickStart loan (short to medium-term loan)

Depending on the applicable loan amount, Save My Bacon’s annual interest rate (AIR) for the KickStart loan ranges from 108% to 180% and the term from 3 to 14 months (see the table below for rates). 

Save My Bacon's interest rate cap means interest for the KickStart loan is capped before your loan balance reaches double the amount of the initial unpaid balance. 

The applicable rates for Save My Bacon’s KickStart loan are as follows:

Loan amount Monthly interest rate Monthly term range Annual interest rate (AIR)
$1000 – $1,300 15% 3 - 6 180%
$1,400 – $1,800 13% 7 - 9 156%
$1,900 – $2,400 11% 10 - 12 132%
$2,500 – $3,000 9% 13 - 14 108%

Please click here for more information on our interest and fees.

My loan has been approved. When will I receive my funds?

We know your loan is important to you, so we work hard to get it to you quickly. If your loan is approved on a business day, we will make payment to your bank on the same day.

The exact time that funds will become available to you will depend on your bank.

Save My Bacon will keep you updated on the status of your application by email and text, and you can also call our customer happiness specialists on 0800 27 28 36 to discuss the status of your application.

Click here for more information on our loan application process.

Can I repay my loan early?

Absolutely. If you repay early and in full you will save on interest and repay the loan faster.

You may request an early repayment at any time without penalty,

Please call our repayment solution specialists on 0800 27 28 36 before making an extra payment so we can provide you with the exact balance to pay and adjust your repayment schedule if necessary.

Click here for more information on repaying your loan.

What happens if I can't make my repayment?

We understand that sometimes you can struggle financially. But, although it can be tempting to just ignore the situation and hope things will improve for the better, if you feel things might get out of control or if your individual situation has changed, it’s time to ask us for help.

We want to ensure you have the best borrowing experience possible and we have a number of options available to keep you on track. We encourage you to contact us if you can’t make a payment – we can talk about your options and adjust your repayments.

Our repayment solution specialists are here to help – give them a call on 0800 27 28 36 or send an email to

Click here for more information on repaying your loan.

Click here for more information on financial hardship.