Skip to main content
Dosh Personal Loan

What is a Dosh Personal Loan?

Stacey Fairclough avatar
Written by Stacey Fairclough
Updated over a week ago

A Dosh Personal Loan allows you to borrow between $2,000 and $75,000 that can be used for a variety of reasons, such as to cover an unexpected expense or to consolidate your debt.

Dosh Personal Loans can be paid back over a fixed period between 1 and 7 years and has a fixed interest rate between 16.25% p.a. and 19.95% p.a., based on your application. Loan applications are subject to responsible lending checks and lending criteria.

Dosh Personal Loans are issued by Avanti Finance Limited (“Avanti”) and promoted by Dosh.

Getting a personal loan with Dosh allows you to view your loan account in the Dosh app with tools to manage your loan and make repayments in one place.

A Dosh Personal Loan is unsecured. Meaning the loan issuer doesn’t take security against any of your assets to provide you with the loan.

How do I apply for a Dosh Personal Loan?

  1. Easily apply for a Dosh Personal Loan within the Dosh app by tapping the + button next to your current accounts.

  2. Avanti will assess your application and let you know if we need further information from you. Further information will likely include proof of income and expenses in the form of bank statements.

  3. Once your loan is approved, you will be able to view your loan account in your Dosh account. This is where you can view your loan balance and make repayments.

Am I eligible for a Dosh Personal Loan?

You are eligible to apply for a Dosh Personal Loan if you:

  • Are 18 years or older.

  • Are a NZ citizen or permanent resident of NZ.

  • Hold a current New Zealand driver’s licence or passport.

  • Agree to a credit check.

  • Hold an active Dosh account to have the funds paid to you after your loan is approved.

Is a personal loan right for me?

Borrowing money can be a significant financial decision, so it’s important to do your research to help make the decision that’s right for you. Depending on what your need is and your financial situation, a loan may not always be the best solution.

Before we provide you with a Dosh Personal Loan, Avanti are required to make sure you can manage repayments without getting into financial hardship.


If you're stuck, just tap on the blue messenger icon on the bottom right of the screen and reach out to us. We're happy to help!

Did this answer your question?