Compare personal loans

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NZ$1,000 NZ$100,000

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Instant Finance

Instant Finance Car Loan

This loan is best for those who need quick access to funds for vehicle purchases and have a reliable income.
APR Amount Term
9.95% NZ$50,000 84 mo
Instant Finance provides a straightforward car loan option, but borrowers should be cautious of the higher interest rates.
Kiwibank

Kiwibank Personal Loan

Best suited for borrowers looking for flexible loan amounts and terms, with the added benefit of supporting a New Zealand-owned institution.
APR Amount Term
12.99% NZ$30,000 60 mo
Kiwibank's personal loans provide a solid option for those who prefer a locally owned bank with a straightforward application process.
Instant Finance

Instant Finance Debt Consolidation Loan

This loan is best for individuals looking to simplify their finances by consolidating high-interest debts into one manageable payment.
APR Amount Term
9.95% NZ$50,000 84 mo
The Instant Finance Debt Consolidation Loan offers a practical solution for managing multiple debts, but be aware of the associated costs.
SBS Bank

SBS Bank Home Loan

This loan is best for those seeking flexible mortgage terms and personalised service from a local bank. It's suitable for first-home buyers and those refinancing their existing mortgages.
APR Amount Term
4.19% — 360 mo
SBS Bank offers competitive home loan options, making it a viable choice for many New Zealanders. However, potential borrowers should carefully consider their lending criteria and fees.
MTF Finance

MTF Finance Car Loan

This loan is ideal for NZ residents aged 18 and over who have a regular income and need quick access to vehicle financing.
APR Amount Term
8.95% NZ$100,000 84 mo
MTF Finance provides competitive car loan options for those looking to finance a vehicle, with flexible terms and quick approvals.
ASB

ASB Personal Loan

This loan is best for borrowers needing substantial funds for projects or debt consolidation with flexible repayment terms.
APR Amount Term
12.9% NZ$50,000 84 mo
ASB's personal loan options are competitive, especially for those looking for larger amounts over longer terms.
Westpac New Zealand

Westpac Car Loan

Ideal for NZ residents looking for fixed-rate car loans with flexible terms and quick approval.
APR Amount Term
6.49% NZ$50,000 60 mo
This loan provides straightforward financing for car buyers but comes with a higher interest rate compared to competitors.
The Co-operative Bank

The Co-operative Bank Personal Loan

Best suited for those needing a personal loan between $1,000 and $50,000 with flexible terms.
APR Amount Term
9.95% NZ$50,000 60 mo
With rates starting at 9.95% p.a., this loan is an appealing option for many borrowers.
ANZ New Zealand

ANZ Car Loan

Ideal for those seeking a reliable lender with no application fees and quick approval times.
APR Amount Term
13.9% NZ$50,000 84 mo
The ANZ Car Loan is straightforward with a fixed rate, but its APR might be high for some borrowers.
SBS Bank

SBS Bank Personal Loan

This loan is best for borrowers who are NZ citizens or permanent residents and have a steady income, looking for a manageable loan amount.
APR Amount Term
11.5% NZ$30,000 60 mo
SBS Bank's personal loan provides a straightforward option for those needing cash quickly, but the interest rates may not be the most competitive.
Harmoney

Harmoney Car Loan

This loan is ideal for those who want to check rates without affecting their credit score and need a loan range between $2,000 to $100,000.
APR Amount Term
7.99% NZ$100,000 84 mo
Harmoney's car loan is a viable option for borrowers looking for flexible borrowing terms and competitive rates.
BNZ

BNZ Personal Loan

This loan is best for borrowers seeking amounts from NZ$2,000 to NZ$50,000 with flexible repayment terms.
APR Amount Term
13.9% NZ$50,000 60 mo
BNZ's personal loan is a viable option for those needing a significant amount of cash quickly, but rates can be steep.
AA Money

AA Money Car Loan

It's ideal for those seeking quick online approval and flexible loan amounts for vehicle purchases.
APR Amount Term
9.4% NZ$75,000 60 mo
AA Money's car loan options cater well to a variety of borrowers, but the interest rates may be higher than some competitors.
Harmoney

Harmoney Personal Loan

This loan is best for individuals seeking quick access to funds with minimal paperwork, particularly those with good to excellent credit.
APR Amount Term
7.99% NZ$100,000 84 mo
Harmoney offers a flexible personal loan option for those looking to consolidate debt or finance personal projects. However, borrowers should consider their creditworthiness before applying.
UDC Finance

UDC Finance Car Loan

This loan is best for those seeking a straightforward vehicle financing solution with the option to tailor repayment terms to fit their budget.
APR Amount Term
8.55% NZ$100,000 60 mo
UDC Finance offers competitive car loan options with flexible terms, making it a solid choice for potential borrowers in New Zealand.
ANZ

ANZ Personal Loans

Individuals with a stable income looking to borrow between NZ$3,000 and NZ$50,000 for personal purposes.
APR Amount Term
13.9% NZ$50,000 84 mo
The lack of fees is for borrowers looking for flexibility, but the 13.9% APR could be high for those with better credit options. This product is best for individuals needing quick, fee-free access to funds.
ASB Bank

ASB Car Loan

Best suited for ASB account holders needing a quick loan for a new or used vehicle with flexible terms from 6 to 84 months.
APR Amount Term
12.95% NZ$50,000 84 mo
ASB's car loan is a straightforward option for those looking to finance a vehicle, but the interest rate may be high for some borrowers.
Westpac

Westpac Personal Loan

Best for those seeking lower rates for electric vehicle financing, as well as borrowers needing larger sums up to $50,000.
APR Amount Term
7.99% NZ$50,000 60 mo
With flexible borrowing options, Westpac's personal loan is ideal for various financial needs, though the standard rate is on the higher side.
Instant Finance

Instant Finance Personal Loan

Best for borrowers needing quick access to cash with flexible repayment terms of 3 to 84 months.
APR Amount Term
9.95% NZ$50,000 84 mo
This loan option provides a wide range of amounts and terms, but the high interest rates may not suit everyone.