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Personal Loans

Institute Product name Rate Comparison Rate Loan Amount More Info

Harmoney

Personal Loan Grade A1-A5
6.99% to 11.99%

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

9.00% $2,000 to $70,000
  • Hold a valid New Zealand Drivers License, or
  • Hold a valid New Zealand Passport
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.
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:

Lending Crowd

Personal Loan Secured - A1 (3 years)
6.89

There are no fees for early repayment or discharging securities.

8.90% $2,000 to $200,000
Representative example: The advertised rate is 6.89%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $476.27 each month and $17,145.88 in total.
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:

Heartland Bank

Car Loan
8.95% to 14.95% 9.96% From $5,000
  • Applicants must be 18 years of age or older
  • Applicants must be a permanent New Zealand resident
Representative example: The advertised rate is 8.95%, so if you borrow $15,000 over 3 years you will pay a $222 Establishment Fee and no Monthly Fees. You will repay $483.70 each month and $17,413.25 in total.
Establishment Fee: $222 Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: Minimum Loan Term: 1 year
Other Fee: $10 PPSR Maximum Loan Term: 5 years
Early Repayment Fee: $39 Other Info:

Lending Crowd

Personal Loan Secured - A1 (5 years)
8.34

There are no fees for early repayment or discharging securities.

10.36% $2,000 to $200,000
Representative example: The advertised rate is 8.34%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $486.57 each month and $17,516.66 in total.
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:

NZCU South

Personal Loan (against Savings)
From 10.5%

Part or all of the fees and charges paid by you may be rebated by the Credit Union. The rebate is calculated on the value of your relationship with us. This is the total of your savings, loans and investments calculated on a minimum monthly balance.

10.50% From $3,000
  • Must be 18 years of age or older
  • Citizen or permanent resident of New Zealand
Representative example: The advertised rate is 10.50%, so if you borrow $15,000 over 3 years you will pay a $0 Establishment Fee and no Monthly Fees. You will repay $487.54 each month and $17,551.32 in total.
Establishment Fee: $10 for $2,000 and under, >$2,000 no fee Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: Minimum Loan Term: 6 months
Other Fee: Maximum Loan Term: 10 years
Early Repayment Fee: $35 Other Info: Retail branch network

UDC Finance

Car Loan
9.5% to 14.5%

Up to 100% finance for new and used cars

10.58% $10,000 to $150,000
  • You are 18 years or older
  • You are a New Zealand resident or have a New Zealand working visa
  • You are not currently bankrupt and have a good credit history
Representative example: The advertised rate is 9.50%, so if you borrow $15,000 over 3 years you will pay a $175 Establishment Fee and a $2 fee per month. You will repay $488.10 each month and $17,571.60 in total.
Establishment Fee: $175 Repayment Options: Weekly, Fortnightly, Monthly
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 fee Other Info:

AA Finance

Car Loan
9.95% to 15.95%

You may be eligible to receive an AA Smartfuel discount of 50c off per litre

10.95% From $5,000
  • You must be at least 18 years of age and
  • Hold a restricted or full driver’s licence
Representative example: The advertised rate is 9.95%, so if you borrow $15,000 over 3 years you will pay a $220 Establishment Fee and no Monthly Fees. You will repay $490.75 each month and $17,666.98 in total.
Establishment Fee: $220 (AA Members) $270 (Non AA members), includes Introducer Fee of $120 Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: Minimum Loan Term: 6 months
Other Fee: $10 PPSR Maximum Loan Term: 5 years
Early Repayment Fee: $39 Other Info: The vehicle used as security for your loan must be no more than 12 years old and must be insured

NZCU South

Personal Loans
9.95% to 20.95%

Part or all of the fees and charges paid by you may be rebated by the Credit Union. The rebate is calculated on the value of your relationship with us. This is the total of your savings, loans and investments calculated on a minimum monthly balance.

11.07% from $1,000
  • Must be 18 years of age or older
  • Citizen or permanent resident of New Zealand
Representative example: The advertised rate is 9.95%, so if you borrow $15,000 over 3 years you will pay a $245 Establishment Fee and no Monthly Fees. You will repay $491.56 each month and $17,696.00 in total.
Establishment Fee: $245 Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: Minimum Loan Term: 6 months
Other Fee: Maximum Loan Term: 10 years
Early Repayment Fee: $25 Other Info: Retail branch network

AA Finance

Personal Loan
10.95% to 17.95

Ask us about additional savings that AA Members are eligible for

11.96% From $3,000
  • You must be at least 18 years of age
Representative example: The advertised rate is 10.95%, so if you borrow $15,000 over 3 years you will pay a $220 Establishment Fee and no Monthly Fees. You will repay $497.92 each month and $17,925.23 in total.
Establishment Fee: $220 (AA Members) $270 (Non AA members), includes Introducer Fee of $120 Repayment Options: Weekly, Monthly
Monthly Fee: Minimum Loan Term: 1 year
Other Fee: Maximum Loan Term: 5 years
Early Repayment Fee: $39 Other Info:

ASB Bank

Secured Personal Loan
12.95%

Get approved between 15 August and 30 September 2018 and ASB will waive the $99 preocessing fee

13.41% From $20,000
  • Must be over 18 and an NZ citizen
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, Fortnightly, Monthly
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: You can pay off your personal loan at any time, with no fees and no charges.

Quick Loans

Car Loan
9.95% to 23.95%

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

13.86% $1,000 to $20,000
  • Must be 21 years of age or older
  • Must have photo ID (passport or drivers license)
  • Must be in full time employment
Representative example: The advertised rate is 9.95%, so if you borrow $15,000 over 3 years you will pay a $495 Establishment Fee and a $12 fee per month. You will repay $511.62 each month and $18,418.19 in total.
Establishment Fee: $125 to $595 loan amount dependent Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: $12 Minimum Loan Term: 6 months
Other Fee: Maximum Loan Term: 5 years
Early Repayment Fee: None Other Info:

Quick Loans

Debt Consolidation
9.95% to 23.95%

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

13.86% $1,000 to $20,000
  • Must be 21 years of age or older
  • Must have photo ID (passport or drivers license)
  • Must be in full time employment
Representative example: The advertised rate is 9.95%, so if you borrow $15,000 over 3 years you will pay a $495 Establishment Fee and a $12 fee per month. You will repay $511.62 each month and $18,418.19 in total.
Establishment Fee: $125 to $595 loan amount dependent Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: $12 Minimum Loan Term: 6 months
Other Fee: Maximum Loan Term: 5 years
Early Repayment Fee: None Other Info:

ASB Bank

Unsecured Personal Loan
13.95% to 19.95%

Get approved between 15 August and 30 September 2018 and ASB will waive the $99 preocessing fee

14.41% From $2,000
  • Must be over 18 and an NZ citizen
Representative example: The advertised rate is 13.95%, so if you borrow $15,000 over 3 years you will pay a $99 Establishment Fee and no Monthly Fees. You will repay $515.68 each month and $18,564.53 in total.
Establishment Fee: $99 Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: No fee Minimum Loan Term: 6 months
Other Fee: Maximum Loan Term: 7 years
Early Repayment Fee: No fee Other Info: You can pay off your personal loan at any time, with no fees and no charges.

Westpac

Personal Loan
13.95% to 18.95%

Personal Loan interest rates are floating so may change during the term of your loan

14.42% Up to $50,000
  • Provide photo identification
  • Verification of address
Representative example: The advertised rate is 13.95%, so if you borrow $15,000 over 3 years you will pay a $100 Establishment Fee and no Monthly Fees. You will repay $515.72 each month and $18,565.76 in total.
Establishment Fee: $100 Repayment Options: Fortnightly, Monthly
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

Geneva Finance

Personal Loan
11.95% to 29.95%

Save up to 38% on Fees when you apply online

15.11% Up to $65,000
Representative example: The advertised rate is 11.95%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and a $8 fee per month. You will repay $520.79 each month and $18,748.52 in total.
Establishment Fee: $50 to $695 (Loan amount dependant) Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: $8 Minimum Loan Term: 6 months
Other Fee: Maximum Loan Term: 5 years
Early Repayment Fee: $15 Other Info: You can make bulk payments with no penalties

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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.

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.

Monthly payment amount is based on a $250,000 mortgage over 25 years. The amount takes into account Upfront Fees and Monthly Fees and is an indicative payment amount only.

Comparison Calculations

All prices and calculations are indicative and are provided for comparison purposes only. They do not consitute a quote, users wanting to enter into a Personal Loan product should seek an exact quote from the provider.