COMPATIBILITY MODE

It looks like you are running Internet Explorer in compatibility mode, please turn this off to benefit from all functionality on this website.

To do this, click the blue broken page icon in your browser address bar (example below).

compatability mode

JAVASCRIPT DISABLED

It looks like you aren't running java, please turn this on to get the best user experience

givemecredit

PERSONAL LOANS

Personal loans provide a quick and easy way to borrow money when you need it. Whether you wish to purchase a new car, take the family on holiday or consolidate your existing debts, a personal loan can be personalised to suit your individual needs.

Depending on the loan you choose, you will be able to spread your repayments over 3 to 84 months, putting you in control of how much you repay each month. Most lenders will also give you the option of how often you make each payment, whether you wish to pay weekly, fortnightly or monthly. It is important to remember however, that by extending the term of the loan will result in more interest being added to the total outstanding amount.

To receive the best rates available, you will need to have an excellent credit rating and meet the lenders requirements in terms of minimum salary and be a permanent New Zealand resident.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.

Calculate your credit rating
shadow

ASB Personal Loan - 12.95% to 17.95% APR Representative

APPLY TODAY
Find out more & apply online now
  • $2,000 Minimum loan amount
  • Repay over 12 to 84 months
  • Interest rates start from 12.95% - Maximum APR of 17.95%

The ASB Personal Loan provides a quick and easy way to borrow money when you need it fast. You will be able to borrow a minimum of $2,000 for almost any reason and pay it over a period that suits you up to 7 years. The unsecured loan option has an interest rate of 17.95% p.a. If you're looking for a new car or something similar, then ASB will give you the option to secure the loan against the asset for a lower rate of 14.95% p.a. The loan establishment fee of $250 is automatically added to the loan balance so you won't have to pay this fee up front.

shadow

ASB Personal LoanREPRESENTATIVE EXAMPLE

Representative example: assumed borrowing of $10,000 over 60 months at a fixed rate of 12.95% per annum and fees of $250 would result in a representative rate of 12.95% APR (fixed), monthly repayments of $227.59, total amount repayable is $13,655.80

ASB Debt Consolidation Loan - 13.95% to 19.95% APR Representative

APPLY TODAY
Find out more & apply online now
  • $2,000 Minimum loan amount
  • Repay over 6 to 84 months
  • Maximum APR of 19.95%

If your existing level of debt has become unmanageable, the ASB Debt Consolidation loan provides a way to get things back under control. With one manageable repayment each month, you could find yourself paying the balance down faster with a more competitive interest rate compared to your existing credit agreements. As like the ASB Personal Loan, you will be able to repay it over 84 months with the choice of adding the application fee to the outstanding balance, so you won't have any nasty surprises upon account opening. A loan processing fee of $99 may apply.

shadow

ASB Debt Consolidation LoanREPRESENTATIVE EXAMPLE

Representative example: assumed borrowing of $5,000 over 60 months at a rate of 16.45% per annum would result in a representative rate of 16.45% APR (fixed), monthly repayments of $124.77, total amount repayable is approximately $7,486.

Kiwibank Personal Loan - 13.95% to 18.95% APR Representative

APPLY TODAY
Find out more & apply online now
  • $2,000 Minimum loan amount
  • Repay over 6 to 84 months
  • 13.95% APR for Graduate Pack customers

You will be able to borrow a minimum of $2,000 and choose to make repayments from 6 to 84 months. If successful in your application you could have the funds in your account within 24 hours. If you're looking to consolidate your existing debts, then this could provide a solution to reduce your debt quicker. Unlike credit card bills you'll pay a fixed amount each month over a set period that suits you. There’s an establishment fee of $240. Kiwibank Graduate Pack customers won’t be charged an establishment fee.

shadow

Kiwibank Personal LoanREPRESENTATIVE EXAMPLE

Representative example: assumed borrowing of $10,000 over 48 months at a fixed rate of 16.95% per annum would result in a representative rate of 16.95% APR (fixed), weekly repayments of $66.28, total amount repayable is $13,785. This excludes adjustments for any establishment fee, personal loan insurance premium or any extra payments you may choose to make.

BNZ Advanced Personal Loan - 17.85% APR Representative

APPLY TODAY
Find out more & apply online now
  • $1,000 Minimum loan amount
  • Repay over 3 to 60 months
  • Maximum APR of 17.85%

Whether you are looking to buy a new car, go on holiday or consolidate your existing debts, the BNZ Advanced Personal loan can make this possible. The repayment period is however shorter than most available with a maximum term of 60 months. Students can benefit from a reduced interest rate and have the loan facility fee of $250 waived. Managing your loan is easy – see your up to date balance and make repayments through internet banking.

shadow

BNZ Advanced Personal LoanREPRESENTATIVE EXAMPLE

Representative example: assumed borrowing of $5,000 over 24 months at a fixed rate of 17.85% per annum and a loan facility fee of $250 would result in a representative rate of 17.85% APR (fixed), monthly repayments of $261.72, total amount repayable is $6.281.28.

ANZ Fixed Rate Personal Loan - 17.95% to 18.95% APR Representative

APPLY TODAY
Find out more & apply online now
  • $3,000 Minimum loan amount
  • Repay over 6 to 84 months
  • Interest rates start from 17.95% - Maximum APR of 18.95%

Loans start from $3,000 and are repayable from 6 to 84 months with a choice of flexible repayment periods to suit you. Applying is easy and you'll get an answer within one working day. Once approved, if you're an existing ANZ customer with an Everyday account, you will receive the money the very same day. Optional insurance cover is available at an added cost. A one-off application fee of $250 applies.

shadow

ANZ Fixed Rate Personal LoanREPRESENTATIVE EXAMPLE

Representative example: assumed borrowing of $5,000 over 24 months at a fixed rate of 18.95% per annum and a one-off fee of $250 would result in a representative rate of 18.95% APR (fixed), monthly repayments of $262.50, total amount repayable is $6,300.

To Top