Loan Top Up

Welcome back – thanks for working with Rapid Loans!

What is a top-up?

If you already have a loan with us, you may be eligible for a ‘top-up’ of additional funds. Applying is simple, just enter your details in the fields below and your application will be fast tracked to your dedicated loan consultant.

How do we assess top-up applications?

When assessing a top-up application, we consider a range of factors including payment history, current amount outstanding, value of loan security, and current financial situation. Once we have your up to date information, we’ll be able to assess your application and let you know as soon as possible whether you’re eligible for additional funds and how much you can borrow.

Apply for a top-up on your loan

  • Please enter a value between 1000 and 10000.


Mailing address:

Level 31, VERO CTR
48 Shortland Street

T: 09 555 6199 or free call 0800 727 436
F: 09 523 8079


Personal loan advantages

A personal loan is a great way to stay on top of life’s little extras. Whether you need finance for a new car, a bit of help for this month’s bills, or are just looking for some extra spending money, and personal loan can help.

Check our article to help you evaluate why use a personal loan to consolidate debt.

A Rapid Loans personal loan consultant will walk you through the entire process. Just fill in the online application, and be sure give us a call on 0800 727 436 with any queries.


If you have a complaint or dispute regarding your loan application or your loan, please contact Rapid Loans’ Internal Dispute Resolution (IDR) Manager to lodge your concerns.

Our Disputes Manager, in accordance with Rapid Loans’ Dispute Resolution Procedure, will consider your concern, and report back to you as soon as possible (usually within 24 hours).

Disputes Manager: Phone 0800 727 436; or email:

All complaints are treated seriously and promptly and this service occurs at no charge to you.

If required, further support can be accessed through our External Dispute organisation at:

If you are having difficulty meeting your repayments as a result of hardship, please contact your loan consultant.