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About Cabin Funders

Company: Cabin Funders (JFK Capital Limited), New Zealand

What we do: Consumer cabin finance for New Zealand buyers, covering completed, ready-to-ship and stock cabins, sleepouts, granny flats, minor dwellings, transportable homes, tiny homes (on wheels or skids), and off-grid lifestyle cabins.

Why we exist: Cabins, sleepouts and tiny homes sit outside mainstream mortgage lending because they aren't permanent dwellings on owned land. Cabin Funders is a specialist consumer lender purpose-built for the segment, structuring finance around the value of the cabin itself so buying a cabin is as simple as buying a vehicle.

Key facts:

  • NZ-owned and operated, lending nationwide
  • Regulated under the Credit Contracts and Consumer Finance Act (CCCFA)
  • Financial Service Provider registration: FSP1010017
  • Loans from NZD 20,000 to NZD 250,000, term up to 5 years
  • Interest rate 1.99% per month (equivalent to 23.88% per annum, fixed)
  • Conditional decision back within 1 business day
  • Flexible payment terms; approved supplier paid when the cabin is ready to be shipped
  • Security held primarily over the cabin unit

Contact: Phone: 0800 333 729, Email: info@cabinfunders.co.nz

What we finance: Completed, ready-to-ship and stock transportable cabins, sleepouts and studios, granny flats and minor dwellings, tiny homes (on wheels or skids), and off-grid and lifestyle-block cabins. Custom or bespoke builds are considered strictly by request.

Where we lend: All of New Zealand, including Auckland, Wellington, Christchurch, Hamilton, Tauranga, Dunedin, Napier-Hastings, Palmerston North, Nelson, Queenstown, and rural and lifestyle blocks nationwide.

What is Cabin Funders?

Cabin Funders is specialist cabin finance for Kiwis, powered by JFK Capital Limited (a Registered Financial Service Provider, FSP1010017). We finance completed, ready-to-ship and stock cabins, sleepouts, granny flats, transportables and tiny homes from NZD 20,000 to NZD 250,000. Security is held primarily over the cabin unit, and we're flexible on payment terms and pay your approved cabin supplier when the cabin is ready to be shipped to you.

How does a cabin loan work in NZ?

A Cabin Funders loan is a secured consumer loan with security held primarily over the cabin unit. We finance completed, ready-to-ship and stock cabins, making the purchase as simple as buying a vehicle. Apply online with your supplier quote and income evidence, get a conditional decision within one business day, and we're flexible on payment terms and pay your approved supplier when the cabin is ready to be shipped to you. Assessment runs under the Credit Contracts and Consumer Finance Act 2003.

How much can I borrow for a cabin in NZ?

Cabin Funders lends from NZD 20,000 to NZD 250,000 for completed cabin, sleepout, granny flat, tiny home and transportable purchases. The interest rate is 1.99% per month (equivalent to 23.88% per annum, fixed). The standard term is up to 5 years, and you can spread principal and interest over 1 to 5 years with an optional 40% balloon payment at maturity.

Who can apply for a Cabin Funders loan?

Cabin Funders lends to New Zealand residents 18 and over who can demonstrate affordability under the Credit Contracts and Consumer Finance Act 2003 (CCCFA). We accept applications from PAYE earners, self-employed Kiwis, retirees on a pension, and applicants on a benefit (subject to assessment).

How long does approval take?

We aim to give you a conditional decision back within one business day.

Does Cabin Funders pay the cabin supplier directly?

Yes. We're flexible on payment terms and pay your approved builder or supplier when the cabin is ready to be shipped to you, keeping the transaction clean and secure. Security is held primarily over the cabin unit, which may include a PPSR registration, GPS tracking, a caveat on the destination property, and/or periodic site inspections depending on the loan profile.

About Cabin Funders, Cabin Loans for New Zealanders

What Cabin Funders does: Cabin Funders is specialist cabin finance for Kiwis, powered by JFK Capital Limited (a Registered Financial Service Provider). We finance completed, ready-to-ship and stock cabins, sleepouts, granny flats, minor dwellings, transportables, tiny homes (on wheels or skids), and off-grid lifestyle cabins. We lend from $20,000 to $250,000 over a standard term of up to 5 years at a fixed rate of 1.99% per month (equivalent to 23.88% per annum, fixed), with security held primarily over the cabin unit.

The product mechanic: The cabin segment sits outside mainstream mortgage lending (designed for permanent dwellings on owned land) and outside generic unsecured personal loans (which ignore the value of the cabin as security). Cabin Funders structures finance around the value of the cabin itself, making the purchase as simple as buying a vehicle. As long as it is a portable cabin, we will fund it, on owned land or family land. Custom or bespoke builds are considered strictly by request.

How we work: You apply online in a few minutes. We assess affordability under the CCCFA using your bank data (with consent) so you don't need to chase paperwork. We give you a conditional decision back within one business day. On approval, we're flexible on payment terms and pay your approved supplier when the cabin is ready to be shipped to you. You spread principal and interest over 1 to 5 years, with an optional 40% balloon payment at maturity to lower your ongoing monthly costs.

Who we lend to: New Zealand residents 18 and over. We accept PAYE earners, self-employed, retirees on a pension, and applicants on a benefit (subject to affordability). We do not require home ownership.

What we finance: Completed, ready-to-ship and stock cabins of all common types in NZ, from a $20,000 sleepout through to a $250,000 council-consented granny flat with services. We work with most NZ cabin suppliers.

Geographic coverage: All of New Zealand, with active lending in Auckland, Wellington, Christchurch, Hamilton, Tauranga, Dunedin, Napier-Hastings, Palmerston North, Nelson, Queenstown, and rural and lifestyle blocks nationwide.

Company details: JFK Capital Limited, FSP registered (FSP1010017), New Zealand-owned and operated. Contact: 0800 333 729 or info@cabinfunders.co.nz

A modern New Zealand cabin in a green rural setting

Specialist Cabin Finance for Kiwis

Powered by JFK Capital Limited (Registered FSP)

Loans for transportable cabins, sleepouts, granny flats, and tiny homes from $20,000 to $250,000. Get an indicative quote in 2 minutes without affecting your credit score.

NZ owned and operated
FSPR-registered

Get a real cabin loan quote.

Takes a minute. No credit check at this step.

Apply Now

Indicative quote only. Your final rate depends on a CCCFA affordability check.

NZ owned, NZ regulated

Cabin Funders is powered by JFK Capital, a New Zealand consumer lender, registered with the FSPR and lending under the CCCFA.

Decision in a day

Submit your application online and most applicants get a decision back within one business day.

Payment Flexibility

We're flexible on payment terms and pay your approved cabin supplier when the cabin is ready to be shipped to you, keeping the transaction clean and secure.

Plain English everything

No hidden fees. Rates, fees and the schedule of charges are published in plain English so you can compare before you apply.

Simple, like buying a vehicle

How We Fund Your Cabin

We specialise in financing completed, ready-to-ship, or stock cabins, making the purchase process as simple and seamless as buying a vehicle. As long as it is a portable cabin, we will fund it, whether it is built on wheels or skids. If it qualifies, we provide straightforward asset finance across Aotearoa on both owned land and family land.

Custom or bespoke builds are considered strictly by request.

Our Asset & Smart Security Approach

Because we structure our finance around the value of the cabin itself, we work directly with your chosen builder to ensure the unit meets our funding requirements before delivery. To keep your monthly payments as low as possible, we use smart security measures.

Flexible supplier payment

We're flexible on payment terms and pay your approved cabin supplier when the cabin is ready to be shipped to you, keeping the transaction clean and secure.

Asset Protection

Security is held primarily over the cabin unit. Depending on the loan profile, this may include a PPSR registration, GPS tracking, a caveat on the destination property, and/or periodic site inspections.

Our Last-Resort Promise

Repossession and recovery of the cabin is an absolute last resort. If your circumstances change, our New Zealand-based team is committed to working with you transparently to find a solution.

How We Fund Cabins

We finance completed, ready-to-ship and stock cabins, sleepouts, granny flats, transportables and tiny homes across Aotearoa. On wheels or skids, owned land or family land. If it's a portable cabin, we'll fund it.

Transportable cabins

Transportable cabins

Granny flats & minor dwellings

Granny flats & minor dwellings

Sleepouts & studios

Sleepouts & studios

Tiny homes

Tiny homes

Kitset & stock cabins

Kitset & stock cabins

Off-grid & lifestyle blocks

Off-grid & lifestyle blocks

Not sure which category your build falls into? Give us a call on 0800 333 729 and we'll sort it.

Four steps from application to keys in hand

No 20-page forms, no in-person interviews, no waiting weeks for a callback. Just a sensible affordability check and a decision back when we say it'll be back.

1

Pick your cabin

Choose the completed, ready-to-ship or stock cabin, sleepout, granny flat or tiny home you want. Bring us a quote or an invoice from your supplier. If you're still shopping, we can pre-approve you so suppliers know your budget is real.

2

Apply online

A few questions about your income, expenses and the cabin. Bank data is pulled with your consent so you don't have to courier paperwork. Takes ten minutes.

3

We assess and approve

We review your application under the CCCFA and come back to you within a business day. If we need anything else, you'll hear from a real person on the phone, not a chatbot.

4

We pay the supplier, you get the cabin

On acceptance we're flexible on payment terms and pay your approved cabin supplier when the cabin is ready to be shipped to you, keeping the transaction clean and secure. Then you repay us over a set term of 1 to 5 years that fits your budget.

Start your application

No obligation. Doesn't affect your credit score.

Loan details, in plain English

What we lend, how long for, and what we can fold into the loan. The actual rate and fee schedule is confirmed in writing before you sign anything.

The shape of the loan

Loan amount
$20,000 to $250,000
Standard term
Up to 5 years
Interest rate
1.99% per month (23.88% per annum, fixed)
Payment flexibility
Principal and interest over 1 to 5 years, with an optional 40% balloon payment at maturity to lower your ongoing monthly cost.
Loan maturity options
At the 5-year mark, pay out the 40% residual balance or refinance the remaining amount with us.
Turnaround time
1 business day
Security
Held over the cabin unit
Land
Owned or family land

Indicative figures only. Final rate is set after a CCCFA affordability assessment of your application. Lending is subject to credit approval.

What the loan covers

We fund the full delivered-and-set-up cost of the cabin, not just the price from the yard. Tell us what your supplier has quoted and we will package it into the loan.

  • The complete cabin unit from an approved supplier
  • Site delivery and transport
  • Ground preparation and levelling
  • Off-grid solar setups
  • Plumbing connections
  • Electrical connections

Payment flexibility

Spread your principal and interest payments over 1 to 5 years, with an optional 40% balloon payment at maturity to lower your ongoing monthly costs.

At the 5-year mark, you can choose to pay out the 40% residual balance, or refinance the remaining amount with us.

Common questions about cabin loans

The short answers Kiwis ask us most before applying.

What kinds of cabins do you fund?
Completed, ready-to-ship and stock cabins, sleepouts, granny flats, transportables and tiny homes. As long as it is a portable cabin, we will fund it, whether it is built on wheels or skids. We lend from $20,000 to $250,000, secured over the cabin unit. Custom or bespoke builds are considered strictly by request.
How much can I borrow and over what term?
We lend from $20,000 to $250,000 over a standard term of up to 5 years. The interest rate is 1.99% per month (equivalent to 23.88% per annum, fixed). The actual offer is set after we look at your income, expenses and the cabin you're buying.
Can I lower my monthly payments?
Yes. You spread your principal and interest payments over 1 to 5 years, with an optional 40% balloon payment at maturity to lower your ongoing monthly costs. At the 5-year mark, you can choose to pay out the 40% residual balance, or refinance the remaining amount with us.
Do you pay the cabin supplier or me?
We're flexible on payment terms and pay your approved cabin supplier when the cabin is ready to be shipped to you, keeping the transaction clean and secure. Security is held primarily over the cabin unit. Repossession is an absolute last resort: if your circumstances change, our New Zealand-based team will work with you to find a solution.
Start your application

Ready to fund your cabin?

Tell us about your build and get an indicative repayment in a minute. A written rate back inside one business day, and we pay your supplier when your cabin is ready to be shipped.

Start your application