Compare personal loans

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

Financial Education: In-depth guides to help you understand your borrowing options.
Loan Comparison: Side-by-side comparisons of rates, terms, and eligibility.
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Westpac Personal Loan

Provider: Westpac
Min APR %: 7.99%
Max APR %: 13.9%
Min Amount: NZ$2,000
Max Amount: NZ$50,000
Min Term (months): 6 months
Max Term (months): 60 months
Type: Personal

MTF Finance Car Loan

Provider: MTF Finance
Min APR %: 8.95%
Max APR %: 19.95%
Min Amount: NZ$2,000
Max Amount: NZ$100,000
Min Term (months): 12 months
Max Term (months): 84 months
Approval Time: Same day decision
Requirements: NZ resident, Aged 18+, Regular income
Type: Car_finance

Instant Finance Debt Consolidation Loan

Provider: Instant Finance
Min APR %: 9.95%
Max APR %: 29.95%
Min Amount: NZ$500
Max Amount: NZ$50,000
Min Term (months): 3 months
Max Term (months): 84 months
Approval Time: Money within 24 hours of approval
Requirements: Credit assessment based on income and overall financial situation
Type: Debt_consolidation

SBS Bank Home Loan

Provider: SBS Bank
Min APR %: 4.19%
Max APR %: 6.39%
Min Term (months): 6 months
Max Term (months): 360 months
Requirements: Residential home loans typically need at least 20% equity, Residential investing lending typically needs at least 30% equity, First Home Loans can be available with at least 5% equity
Type: Mortgage

BNZ Personal Loan

Provider: BNZ
Min APR %: 13.9%
Max APR %: 19.9%
Min Amount: NZ$2,000
Max Amount: NZ$50,000
Min Term (months): 6 months
Max Term (months): 60 months
Type: Personal

AA Money Car Loan

Provider: AA Money
Min APR %: 9.4%
Max APR %: 12.15%
Min Amount: NZ$5,000
Max Amount: NZ$75,000
Min Term (months): 12 months
Max Term (months): 60 months
Approval Time: Quick online application
Requirements: NZ citizen or permanent resident, Regular income, Minimum age 18
Type: Auto

The Co-operative Bank Personal Loan

Provider: The Co-operative Bank
Min APR %: 9.95%
Max APR %: 17.75%
Min Amount: NZ$1,000
Max Amount: NZ$50,000
Min Term (months): 6 months
Max Term (months): 60 months
Type: Personal

UDC Finance Car Loan

Provider: UDC Finance
Min APR %: 8.55%
Max APR %: 11.7%
Min Amount: NZ$5,000
Max Amount: NZ$100,000
Min Term (months): 12 months
Max Term (months): 60 months
Approval Time: Apply online or through dealer network
Requirements: NZ citizen or permanent resident, Age 18+, Regular income
Type: Car_finance

ANZ Personal Loans

Provider: ANZ
Min APR %: 13.9%
Max APR %: 13.9%
Min Amount: NZ$3,000
Max Amount: NZ$50,000
Min Term (months): 6 months
Max Term (months): 84 months
Approval Time: Decision within 5 business days, same-day funding once approved
Requirements: At least 18 years old, Regular income, Enough money left after expenses for repayments, NZ citizen, permanent resident, or qualifying work visa, ANZ customer with an everyday account
Type: Personal

ANZ Car Loan

Provider: ANZ New Zealand
Min APR %: 13.9%
Max APR %: 13.9%
Min Amount: NZ$3,000
Max Amount: NZ$50,000
Min Term (months): 6 months
Max Term (months): 84 months
Approval Time: Within 5 business days
Requirements: NZ resident, Aged 18+, Regular income
Type: Car_finance

Instant Finance Personal Loan

Provider: Instant Finance
Min APR %: 9.95%
Max APR %: 29.95%
Min Amount: NZ$500
Max Amount: NZ$50,000
Min Term (months): 3 months
Max Term (months): 84 months
Type: Personal

Westpac Car Loan

Provider: Westpac New Zealand
Min APR %: 6.49%
Max APR %: 12.99%
Min Amount: NZ$2,000
Max Amount: NZ$50,000
Min Term (months): 6 months
Max Term (months): 60 months
Approval Time: 1-3 business days
Requirements: NZ resident, Aged 18+, Westpac account
Type: Car_finance

ASB Personal Loan

Provider: ASB
Min APR %: 12.9%
Max APR %: 19.95%
Min Amount: NZ$2,000
Max Amount: NZ$50,000
Min Term (months): 6 months
Max Term (months): 84 months
Type: Personal

Harmoney Car Loan

Provider: Harmoney
Min APR %: 7.99%
Max APR %: 24.99%
Min Amount: NZ$2,000
Max Amount: NZ$100,000
Min Term (months): 36 months
Max Term (months): 84 months
Approval Time: Rate check with no credit score impact
Requirements: NZ or Australian citizen, No defaults on credit file, Full-time or permanent part-time employment
Type: Car_finance

SBS Bank Personal Loan

Provider: SBS Bank
Min APR %: 11.5%
Max APR %: 15.5%
Min Amount: NZ$1,000
Max Amount: NZ$30,000
Min Term (months): 6 months
Max Term (months): 60 months
Approval Time: 1-3 business days
Requirements: NZ citizen or permanent resident, Age 18+, Regular income
Type: Personal

Instant Finance Car Loan

Provider: Instant Finance
Min APR %: 9.95%
Max APR %: 29.95%
Min Amount: NZ$2,000
Max Amount: NZ$50,000
Min Term (months): 12 months
Max Term (months): 84 months
Approval Time: Fast online approval
Requirements: NZ citizen or permanent resident, Regular income
Type: Auto

Kiwibank Personal Loan

Provider: Kiwibank
Min APR %: 12.99%
Max APR %: 18.99%
Min Amount: NZ$2,000
Max Amount: NZ$30,000
Min Term (months): 12 months
Max Term (months): 60 months
Type: Personal

ASB Car Loan

Provider: ASB Bank
Min APR %: 12.95%
Max APR %: 12.95%
Min Amount: NZ$2,000
Max Amount: NZ$50,000
Min Term (months): 6 months
Max Term (months): 84 months
Approval Time: 1-3 business days
Requirements: NZ resident, Aged 18+, ASB account holder
Type: Car_finance

Harmoney Personal Loan

Provider: Harmoney
Min APR %: 7.99%
Max APR %: 24.99%
Min Amount: NZ$2,000
Max Amount: NZ$100,000
Min Term (months): 36 months
Max Term (months): 84 months
Approval Time: Quote in minutes, funding can be as fast as 9 minutes
Requirements: At least 18 years old, NZ citizen, permanent resident, or Australian citizen, No defaults on credit file, Full-time or permanent part-time employment
Type: Personal