Personal Loans

There are a huge amount of options when you are borrowing money, we make it simple for you to choose

What type of Personal Loans do you want to compare?

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Harmoney
55641
Personal Loan Grade A1-A5
Rate (p.a.)

6.99% to 11.99%

Comparison Rate (p.a.)

9.00%

Loan Amount

$2,000 to $50,000

Representative example: The advertised rate is 6.99%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $476.98 each month and $17,171.30 in total.

  • You can find out how much you are eligible to borrow with a no obligation application process.

Establishment Fee $200 for loans under $5,000, or $450 for loans of $5,000 and above

Repayment Options monthly

Monthly Fee -

Minimum Loan Term 3 years

Other Fee -

Maximum Loan Term 5 years

Early Repayment Fee No fee

Other Info -

More Info
The Co-operative Bank
55632
Personal Loan
Rate (p.a.)

6.99% to 19.99%

Comparison Rate (p.a.)

7.89%

Loan Amount

$3,000 to $50,000

Representative example: The advertised rate is 6.99%, so if you borrow $15,000 over 3 years you will pay a $200 Establishment Fee and no Monthly Fees. You will repay $469.26 each month and $16,893.45 in total.

  • Interest rates are variable. The interest rate is based on the creditworthiness of the applicant and considers factors such as the applicant's credit bureau score, credit history, employment status and income.

Establishment Fee $200

Repayment Options weekly

Monthly Fee No monthly fee

Minimum Loan Term 6 months

Other Fee No other fee

Maximum Loan Term 5 years

Early Repayment Fee No early repayment fee

Other Info -

More Info
Lending Crowd
49095
Personal Loan Secured - A1 (3 years)
Rate (p.a.)

6.49%

Comparison Rate (p.a.)

8.49%

Loan Amount

$2,000 to $200,000

Representative example: The advertised rate is 6.49%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $473.46 each month and $17,044.44 in total.

  • There are no fees for early repayment or discharging securities.

Establishment Fee $250 to $1,450 (Loan amount dependent)

Repayment Options monthly

Monthly Fee -

Minimum Loan Term 3 Years

Other Fee -

Maximum Loan Term 3 Years

Early Repayment Fee None

Other Info -

More Info
Heartland Bank
48968
Car Loan
Rate (p.a.)

8.95% to 15.95%

Comparison Rate (p.a.)

9.99%

Loan Amount

From $5,000

Representative example: The advertised rate is 8.95%, so if you borrow $15,000 over 3 years you will pay a $229 Establishment Fee and no Monthly Fees. You will repay $483.92 each month and $17,421.26 in total.

Establishment Fee $229

Repayment Options weekly

Monthly Fee -

Minimum Loan Term 1 year

Other Fee $10.35 PPSR

Maximum Loan Term 5 years

Early Repayment Fee $23

Other Info -

More Info
Nectar
55634
Personal Loan Unsecured A1-A4
Rate (p.a.)

8.95% to 16.75%

Comparison Rate (p.a.)

10.04%

Loan Amount

$1,000 to $20,000

Representative example: The advertised rate is 8.95%, so if you borrow $15,000 over 3 years you will pay a $240 Establishment Fee and no Monthly Fees. You will repay $484.27 each month and $17,433.84 in total.

  • 100% online and fully New Zealand owned, Nectar can provide a loan offer in 7 minutes

Establishment Fee $240

Repayment Options weekly

Monthly Fee $0

Minimum Loan Term 6 months

Other Fee $0

Maximum Loan Term 4 years

Early Repayment Fee No fee

Other Info -

More Info
Lending Crowd
55377
Personal Loan Secured - A1 (5 years)
Rate (p.a.)

7.75%

Comparison Rate (p.a.)

9.77%

Loan Amount

$2,000 to $200,000

Representative example: The advertised rate is 7.75%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $482.37 each month and $17,365.21 in total.

  • There are no fees for early repayment or discharging securities.

Establishment Fee $250 to $1,450 (Loan amount dependent)

Repayment Options monthly

Monthly Fee -

Minimum Loan Term 5 Years

Other Fee -

Maximum Loan Term 5 Years

Early Repayment Fee None

Other Info -

More Info
UDC Finance
48611
Car Loan
Rate (p.a.)

9.3% to 14.3%

Comparison Rate (p.a.)

10.47%

Loan Amount

$10,000 to $150,000

Representative example: The advertised rate is 9.30%, so if you borrow $15,000 over 3 years you will pay a $195 Establishment Fee and a $2 fee per month. You will repay $487.32 each month and $17,543.57 in total.

  • Up to 100% finance for new and used cars

Establishment Fee $195

Repayment Options weekly

Monthly Fee $2

Minimum Loan Term 1 year

Other Fee $10.35 PPSR

Maximum Loan Term 5 years

Early Repayment Fee $7 plus a variable amount

Other Info -

More Info
AA Finance
55438
Car Loan
Rate (p.a.)

From 9.95%

Comparison Rate (p.a.)

10.77%

Loan Amount

$5,000 to $100,000

Representative example: The advertised rate is 9.95%, so if you borrow $15,000 over 3 years you will pay a $180 Establishment Fee and no Monthly Fees. You will repay $489.46 each month and $17,620.55 in total.

  • Get a one-off discount from AA Smartfuel with 50c off per litre (up to 50 litres) when taking a loan out with AA Money.

Establishment Fee $180 (AA Members) $240 (Non AA members)

Repayment Options weekly

Monthly Fee $0

Minimum Loan Term 12 months

Other Fee -

Maximum Loan Term 5 years

Early Repayment Fee -

Other Info -

More Info
Carpow
55388
Personal Loan - Secured
Rate (p.a.)

8.95% to 25.95%

Comparison Rate (p.a.)

12.23%

Loan Amount

Up to $50,000

Representative example: The advertised rate is 8.95%, so if you borrow $15,000 over 3 years you will pay a $495 Establishment Fee and a $7.5 fee per month. You will repay $499.88 each month and $17,995.55 in total.

Establishment Fee $495

Repayment Options weekly

Monthly Fee $7.50

Minimum Loan Term -

Other Fee $11.50 (PPSR)

Maximum Loan Term 5 years

Early Repayment Fee $45

Other Info -

More Info
ASB Bank
45910
Secured Personal Loan
Rate (p.a.)

12.95%

Comparison Rate (p.a.)

13.41%

Loan Amount

From $20,000

Representative example: The advertised rate is 12.95%, so if you borrow $15,000 over 3 years you will pay a $99 Establishment Fee and no Monthly Fees. You will repay $508.38 each month and $18,301.73 in total.

Establishment Fee $99

Repayment Options weekly

Monthly Fee No fee

Minimum Loan Term 6 months

Other Fee $25 PPSR

Maximum Loan Term 7 years

Early Repayment Fee No fee

Other Info Make extra repayments at any time with no charges and no fees

More Info
Quick Loans
49040
Car Loan
Rate (p.a.)

9.95% to 23.95%

Comparison Rate (p.a.)

13.66%

Loan Amount

$1,000 to $20,000

Representative example: The advertised rate is 9.95%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and a $12 fee per month. You will repay $510.17 each month and $18,365.95 in total.

  • 100% online, money credited in as little as 30 mnutes

Establishment Fee $95 to $595 loan amount dependent

Repayment Options weekly

Monthly Fee $12

Minimum Loan Term 6 months

Other Fee -

Maximum Loan Term 5 years

Early Repayment Fee None

Other Info Do not charge an early settlement fee

More Info
Quick Loans
55644
Debt Consolidation
Rate (p.a.)

9.95% to 23.95%

Comparison Rate (p.a.)

13.66%

Loan Amount

$1,000 to $20,000

Representative example: The advertised rate is 9.95%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and a $12 fee per month. You will repay $510.17 each month and $18,365.95 in total.

  • 100% online, money credited in as little as 30 mnutes

Establishment Fee $95 to $595 loan amount dependent

Repayment Options weekly

Monthly Fee $12

Minimum Loan Term 6 months

Other Fee -

Maximum Loan Term 5 years

Early Repayment Fee None

Other Info Do not charge an early settlement fee

More Info
Westpac
48372
Personal Loan
Rate (p.a.)

13.90%

Comparison Rate (p.a.)

14.37%

Loan Amount

Up to $50,000

Representative example: The advertised rate is 13.90%, so if you borrow $15,000 over 3 years you will pay a $100 Establishment Fee and no Monthly Fees. You will repay $515.35 each month and $18,552.57 in total.

Establishment Fee $100

Repayment Options fortnightly

Monthly Fee -

Minimum Loan Term 1 year

Other Fee -

Maximum Loan Term 5 years

Early Repayment Fee No fee

Other Info Loan term is normally up to 5 years but can be for up to 10 years depending on your circumstances

More Info
Carpow
55436
Car Loan
Rate (p.a.)

8.95% to 25.95%

Comparison Rate (p.a.)

12.23%

Loan Amount

$3,000 to $100,000

Representative example: The advertised rate is 8.95%, so if you borrow $15,000 over 3 years you will pay a $495 Establishment Fee and a $7.5 fee per month. You will repay $499.88 each month and $17,995.55 in total.

Establishment Fee $495

Repayment Options weekly

Monthly Fee $7.50

Minimum Loan Term -

Other Fee $11.50 (PPSR)

Maximum Loan Term 5 years

Early Repayment Fee $245

Other Info -

More Info
ASB Bank
45918
Unsecured Personal Loan
Rate (p.a.)

12.95% to 19.95%

Comparison Rate (p.a.)

13.41%

Loan Amount

From $2,000

Representative example: The advertised rate is 12.95%, so if you borrow $15,000 over 3 years you will pay a $99 Establishment Fee and no Monthly Fees. You will repay $508.38 each month and $18,301.73 in total.

Establishment Fee $99

Repayment Options weekly

Monthly Fee No fee

Minimum Loan Term 6 months

Other Fee -

Maximum Loan Term 7 years

Early Repayment Fee No fee

Other Info Make extra repayments at any time with no charges and no fees

More Info
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The Annual Comparison Rate (APR) takes into account the Advertised Interest Rate, Upfront Fees and any Monthly Fees. We calculate this as it gives our users a better way to compare each loan.

Comparison Calculations

The calculations for Monthly Payment Amount and Annual Comparison rate are based on a principal amount of $15,000 and a term of 3 years. These figures take into account the Advertised Interest Rate, Upfront Fees and any Monthly Fees. We calculate these figures as it gives our users a better way to compare each loan. All figures are indicative for comparison purposes only, they do not constitute a quote. Users who are looking to enter into a mortgage contract should seek an exact quote from a mortgage broker or from the institution directly.