Take Control of Your Finances

Restructure debt into one simple repayment plan and breathe easier knowing your future is secure.

Start Today

Need a Personal Loan?

Fast approval for working professionals.
Same-day payout when requirements are met.

Check Your Eligibility

Support Your Family, Grow Your Future

From school fees to cultural obligations, Kina & Toea helps you handle life’s big responsibilities with confidence.

See How We Help
↓

Why Choose Us?

Salary-Based Repayment
A loan with flexible repayments automatically deducted from your salary.
  • Repayments deducted from your salary
  • Choose from 15/20/25/30 fortnights
  • Early settlement allowed
See more
Fast Approval
Get your loan approved within a days for quick access to funds.
  • Simple document check
  • Express Approval - same day
  • Normal Approval - 2 day (next day)
  • Funds disbursed quickly
See more
Consolidation Loan
Consolidate loans for easy, streamlined repayments.
  • Combine multiple balances into one loan (refinance)
  • Single repayment schedule
  • Clear view of what you owe
See more
Loan Support

How Do We Support You

Life comes with many responsibilities, from caring for family to meeting cultural commitments and building a secure future. Our loans are more than quick cash. They give you breathing space, help you manage or restructure debt, and create opportunities that matter most for you and your loved ones.

  • Strengthening Your Home

    Keep your family safe and comfortable by repairing or upgrading your house when it matters most.

  • Investing in Education

    Give your children the chance to learn and succeed with timely support for school fees and supplies.

  • Health and Wellbeing

    When unexpected medical bills arise, we help you focus on healing instead of worrying about costs.

  • Family and Cultural Commitments

    Whether it is bride price, ceremonies, or traditional obligations, we stand with you in honoring what is important.

  • Debt Consolidation

    Simplify life by combining multiple debts into one clear and manageable repayment plan.