Compare personal loans

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

NZ$1k NZ$100k
NZ$15,000
Personal Consolidation Home Loans Auto

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See APR ranges from multiple lenders side by side. One search, all your options on the table.

2

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3

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Expert reviews and honest analysis for every lender. Know exactly what you're signing up for.

50+ lenders
3 min to compare
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Recently added

APR

8.55%

to 11.7%

UDC Finance Car Loan

Auto

Best for: This loan is best for those seeking a straightforward vehicle financing solution with the option to tailor repayment terms to fit their budget.

NZ citizen or permanent resident

Age 18+

⚡ Apply online or through dealer network Check rates →
Amount NZ$5k–NZ$100k
Term 12–60mo

APR

4.19%

to 6.39%

SBS Bank Home Loan

Mortgage

Best for: 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.

Residential home loans typically need at least 20% equity

Residential investing lending typically needs at least 30% equity

Check rates →
Amount —
Term 6–360mo

APR

12.99%

to 18.99%

Kiwibank Personal Loan

Personal

Best for: Best suited for borrowers looking for flexible loan amounts and terms, with the added benefit of supporting a New Zealand-owned institution.

Check rates →
Amount NZ$2k–NZ$30k
Term 12–60mo

APR

9.95%

to 29.95%

Instant Finance Debt Consolidation Loan

Consolidation

Best for: This loan is best for individuals looking to simplify their finances by consolidating high-interest debts into one manageable payment.

Credit assessment based on income and overall financial situation

⚡ Money within 24 hours of approval Check rates →
Amount NZ$500–NZ$50k
Term 3–84mo

APR

6.49%

to 12.99%

Westpac Car Loan

Auto

Best for: Individuals aged 18+ with stable income and good credit looking for a car loan.

NZ resident

Aged 18+

⚡ 1-3 business days Check rates →
Amount NZ$2k–NZ$50k
Term 6–60mo

APR

7.99%

to 13.9%

Westpac Personal Loan

Personal

Best for: Best for those seeking lower rates for electric vehicle financing, as well as borrowers needing larger sums up to $50,000.

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Amount NZ$2k–NZ$50k
Term 6–60mo

APR

13.9%

ANZ Car Loan

Auto

Best for: Ideal for those seeking a reliable lender with no application fees and quick approval times.

NZ resident

Aged 18+

⚡ Within 5 business days Check rates →
Amount NZ$3k–NZ$50k
Term 6–84mo

APR

12.9%

to 19.95%

ASB Personal Loan

Personal

Best for: This loan is best for borrowers needing substantial funds for projects or debt consolidation with flexible repayment terms.

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Amount NZ$2k–NZ$50k
Term 6–84mo

APR

9.95%

to 29.95%

Instant Finance Car Loan

Auto

Best for: This loan is best for those who need quick access to funds for vehicle purchases and have a reliable income.

NZ citizen or permanent resident

Regular income

⚡ Fast online approval Check rates →
Amount NZ$2k–NZ$50k
Term 12–84mo

APR

12.95%

ASB Car Loan

Auto

Best for: Best suited for ASB account holders needing a quick loan for a new or used vehicle with flexible terms from 6 to 84 months.

NZ resident

Aged 18+

⚡ 1-3 business days Check rates →
Amount NZ$2k–NZ$50k
Term 6–84mo

APR

11.5%

to 15.5%

SBS Bank Personal Loan

Personal

Best for: This loan is best for borrowers who are NZ citizens or permanent residents and have a steady income, looking for a manageable loan amount.

NZ citizen or permanent resident

Age 18+

⚡ 1-3 business days Check rates →
Amount NZ$1k–NZ$30k
Term 6–60mo

APR

8.95%

to 19.95%

MTF Finance Car Loan

Auto

Best for: Kiwis with a steady income and decent credit looking for car loans between NZD 2,000 and NZD 100,000.

NZ resident

Aged 18+

⚡ Same day decision Check rates →
Amount NZ$2k–NZ$100k
Term 12–84mo

APR

7.99%

to 24.99%

Harmoney Car Loan

Auto

Best for: 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.

NZ or Australian citizen

No defaults on credit file

⚡ Rate check with no credit score impact Check rates →
Amount NZ$2k–NZ$100k
Term 36–84mo

APR

7.99%

to 24.99%

Harmoney Personal Loan

Personal

Best for: This loan is best for individuals seeking quick access to funds with minimal paperwork, particularly those with good to excellent credit.

At least 18 years old

NZ citizen, permanent resident, or Australian citizen

⚡ Quote in minutes, funding can be as fast as 9 minutes Check rates →
Amount NZ$2k–NZ$100k
Term 36–84mo

APR

9.4%

to 12.15%

AA Money Car Loan

Auto

Best for: It's ideal for those seeking quick online approval and flexible loan amounts for vehicle purchases.

NZ citizen or permanent resident

Regular income

⚡ Quick online application Check rates →
Amount NZ$5k–NZ$75k
Term 12–60mo

APR

13.9%

to 19.9%

BNZ Personal Loan

Personal

Best for: This loan is best for borrowers seeking amounts from NZ$2,000 to NZ$50,000 with flexible repayment terms.

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Amount NZ$2k–NZ$50k
Term 6–60mo

APR

13.9%

ANZ Personal Loans

Personal

Best for: Individuals with a stable income looking to borrow between NZ$3,000 and NZ$50,000 for personal purposes.

At least 18 years old

Regular income

⚡ Decision within 5 business days, same-day funding once approved Check rates →
Amount NZ$3k–NZ$50k
Term 6–84mo