Best Alternative Lending Companies in New Zealand
The 51 best Alternative Lending companies in New Zealand in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Laybuy.
- Switzerland Alternative Lending Market Databook 2025-2029
Ranked: Best Alternative Lending companies in New Zealand
| # | Company | Disclosed funding | Last round | Stage | Founder | Founded | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Laybuy App-based platform for point of sale financing | $159M | 62 mo ago | Public | Robyn Rohloff Co-Founder | 2016 | — | — |
| 2 | Harmoney Online P2P platform for personal loans | $56M | 78 mo ago | Public | Neil Roberts Founder | 2013 | HubSpot CMS HubApple iCloud MailGoogle Workspace+29 | 1 award |
| 3 | Genoapay Buy now pay later financing provider | $500K | 112 mo ago | Seed | — | 2016 | — | — |
| 4 | AA Online marketplace for personal & vehicle loans | — | — | Unfunded | Brian Thomas Gibbons CEO | 1903 | Windows ServerMicrosoft ASP.NETIIS+12 | — |
| 5 | Alternate Finance Online platform offering loan solutions | — | — | Unfunded | David Diggs Owner | 2015 | WordPressMySQLRedis+29 | — |
| 6 | Bartercard Provider of marketplace platform for business lending | — | — | Funding Raised | — | 1992 | WordPressMySQLPHP+23 | — |
| 7 | Capital Connect Online lending platform offering business loans | — | — | Unfunded | Ziggy Munz Business Partner | 2023 | WordPressMySQLPHP+23 | — |
| 8 | CarFinance2U Developer of an online marketplace for consumer loans | — | — | Acquired | Matt Hodges Founder | 2012 | WordPressMySQLPHP+22 | — |
Top 3 Alternative Lending companies in New Zealand
#1
Public · Auckland, Auckland · founded 2016 · 43 employees$159.2Mraised▾
App-based platform for point of sale financing. It enables customers to purchase online/offline products by making installment payments at partnered merchant outlets. The payments can be made from the application via credit/debit cards. The application is available on iOS and Android devices.
- May 2021Post IPO$35M
- Jul 2020Conventional Debt$124.2M
- Nov 2018Seed—
#2
Public · Auckland, Auckland · founded 2013 · 169 employees$56.4Mraised▾
Harmoney is New Zealand-based P2P lending platform for personal loans. Borrowers can avail loans from $1,000 to $70,000 for 3 and 5 year periods. Interest rates are determined by a scorecard and range from 6.99% p.a. to 29.99% p.a. Every loan is processed by the platform before upload to ensure the credit-worthiness of the borrower. The minimum investible amount by a lender is $25. Claims that the average lender on the platform receives 13% p.a. realized return. Charges an up-front, one-off platform fee to borrowers of $500. Lenders are charged a service fee of 1.25% of the principal and interest payments collected on each note.
- Jan 2020Conventional Debt$13.4M
- Oct 2019Conventional Debt$13.7M
- Oct 2019Series C$15.7M
- Nov 2016Series B$670K
#3
Seed · Auckland, Auckland · founded 2016 · 2 employees$500Kraised▾
Genoapay is a purchase financing platform which provides an option of paying for purchases over 10 weekly installments without any fees or interest. Genoapay is fully integrated into merchants' payment systems and charges a fee to merchants. The merchants are funded the purchase price of the sale less a services fee. Genoapay offers a mobile friendly digital interface to establish 10-week payment plans with customers quickly in both an in-store and e-commerce environment.
- Apr 2017Seed$500K
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.