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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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
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
Geneva Finance
48442
Car Loan
Rate (p.a.)

8.95% to 28.95%

Comparison Rate (p.a.)

12.10%

Loan Amount

Up to $65,000

Representative example: The advertised rate is 8.95%, 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 $498.95 each month and $17,962.07 in total.

  • Save on Fees when you apply online

Establishment Fee $50 to $695 (Loan amount dependant)

Repayment Options weekly

Monthly Fee $8

Minimum Loan Term 6 months

Other Fee $9.20 PPSR

Maximum Loan Term 5 years

Early Repayment Fee $15

Other Info You can make bulk payments with no penalties

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
      Lending Crowd
      49097
      Personal Loan Secured - B1 (3 years)
      Rate (p.a.)

      11.25%

      Comparison Rate (p.a.)

      13.31%

      Loan Amount

      $2,000 to $200,000

      Representative example: The advertised rate is 11.25%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $507.64 each month and $18,275.19 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
      Pronto Finance
      55630
      Personal Loan (secured by car)
      Rate (p.a.)

      11.97% to 29.97%

      Comparison Rate (p.a.)

      16.04%

      Loan Amount

      $200 to $20,000

      Representative example: The advertised rate is 11.97%, so if you borrow $15,000 over 3 years you will pay a $360 Establishment Fee and a $17.72 fee per month. You will repay $527.67 each month and $18,996.18 in total.

      • 9 minute guarantee cash advance

      Establishment Fee $160 to $360 (Loan amount dependent)

      Repayment Options weekly

      Monthly Fee $17.72 ($4.09/week)

      Minimum Loan Term 90 Days

      Other Fee -

      Maximum Loan Term 5 Years

      Early Repayment Fee None

      Other Info -

      More Info
      myfinance
      48449
      Car Finance
      Rate (p.a.)

      13.95% to 24.95%

      Comparison Rate (p.a.)

      16.31%

      Loan Amount

      $1,000 to $50,000

      Representative example: The advertised rate is 13.95%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and a $2 fee per month. You will repay $529.67 each month and $19,068.09 in total.

        Establishment Fee $250 to $450 (Loan amount dependant)

        Repayment Options weekly

        Monthly Fee $2 (per instalment)

        Minimum Loan Term 3 months

        Other Fee $8.05 PPSR

        Maximum Loan Term 5 years

        Early Repayment Fee $100 + a prepayment charge

        Other Info -

        More Info
        Admiral Finance
        48495
        Personal Loan - Secured
        Rate (p.a.)

        13.95% to 23.95%

        Comparison Rate (p.a.)

        17.86%

        Loan Amount

        $1,000 to $50,000

        Representative example: The advertised rate is 13.95%, 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 $541.21 each month and $19,483.42 in total.

          Establishment Fee $125 to $595 depending on amount borrowed

          Repayment Options weekly

          Monthly Fee $12

          Minimum Loan Term 6 months

          Other Fee -

          Maximum Loan Term 5 years

          Early Repayment Fee An early settlement fee of $40 may apply to your loan if you wish to pay it off.

          Other Info -

          More Info
          Lending Crowd
          49098
          Personal Loan Secured - B2 (5 years)
          Rate (p.a.)

          16.78%

          Comparison Rate (p.a.)

          18.91%

          Loan Amount

          $2,000 to $200,000

          Representative example: The advertised rate is 16.78%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $549.14 each month and $19,769.20 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
          Instant Finance
          49061
          Personal Loan Secured
          Rate (p.a.)

          19.95% to 29.95%

          Comparison Rate (p.a.)

          22.23%

          Loan Amount

          $200 to $20,000

          Representative example: The advertised rate is 19.95%, so if you borrow $15,000 over 3 years you will pay a $420 Establishment Fee and a $2 fee per month. You will repay $574.67 each month and $20,688.11 in total.

            Establishment Fee $100 to $420 (loan amount dependant)

            Repayment Options weekly

            Monthly Fee $2 per instalment charge

            Minimum Loan Term 3 months

            Other Fee $16.10 PPSR

            Maximum Loan Term 3 years

            Early Repayment Fee $100 and a Prepayment Charge

            Other Info Branches nationwide

            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
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              What is a personal loan?

              A loan for your personal use that must be paid off over a set period of time. This can be secured by an asset that you have agreed to put up as security or unsecured meaning you have borrowed money based solely on your credit history and ability to repay i.e. earnings. As a general rule a personal loan is for a smaller amount and shorter duration than a home loan.

              What are the different types of personal loans?

              Secured Personal Loan

              This is a loan that is secured against an asset, typically a car, boat, or even a savings account. If you fail to repay your loan, the lender can seize the asset and sell it to get their money back.

              Pros

              • The key advantage with a secured loan is that you have access to cheaper interest rates. This is due to the fact that there is less risk to the loan provider.
              • If your credit rating is not perfect you may find borrowing difficult, however entering into a secured loan may provide finance options.

              Cons

              • You can lose the asset you put up as a security for the loan

              Unsecured Personal Loan

              This is a loan where there is no security against the borrowing, hence the lender is providing the loan based on your credit worthiness.

              Pros

              • If providing security is a problem for you and you need cash this is a possibility to gain the finance you need.

              Cons

              • With no security the interest rates will be higher and there will be stricter criteria from the lender to qualify for the more competitive rates.

              Debt Consolidation Personal Loan

              Loans are either secured or unsecured but we include Debt Consolidation in this section as it is often described as a type of loan by the providers in the market place. Debt consolidation is the act of combining multiple loans, usually of different rates from different providers into one single loan. An example would be combining some credit card debt, a finance company personal loan and perhaps some cash borrowings into one consolidation loan.

              Pros

              • The reason to do this is that you should achieve an overall rate that is cheaper and it should be easy to manage with just one payment to make. The loan provider can structure the debt over a longer period to make it easier to pay off i.e. smaller weekly payments.
              • Loan providers will want to work with you when it comes to structuring a debt consolidation loan. The idea being they understand all your financial commitments so they can help you to get on top of your finances.

              Cons

              • You may incur fees getting out of your individual loans and then will have to pay establishment fees to setup the debt consolidation loan.
              • Unless you fix what got you into debt in the first place, just consolidating your debt will not fix your financial problems.

              How much can I borrow?

              This depends on a number of factors. Are you are seeking secured or unsecured? What is your financial position and the level of your income to support the loan? However, there are definite limits around how much institutions will lend particularly with unsecured lending. We provide a comparison table of personal loan rates that you can sort by minimum loan amount here.

              What is the PPSR?

              The Personal Property Securities Register (PPSR) was established by the New Zealand Government in 2002 as a single online register for all the security interests (claims against personal property other than land) that lenders or businesses need to record.

              So, how would I use the PPSR if I was buying something?

              Say you want to buy a second-hand ute for your business, the last thing you need after you have taken ownership is for a finance company to repossess it because the seller still owes money on the vehicle. That would ruin your day!! To find out if any business or person has a registered claim (security interest) on the ute you can check on the PPSR website or check their database via text.

              Personal Loan Checklist

              • Get Quotes

                Each loan provider will have their own fees i.e. Establishment fee, monthly fee, early repayment fee to name a few. These fees are added to your loan principal and hence effect the weekly repayment amount. The only way to properly compare each loan is to get an actual quote.

              • Credit Check

                Know your own credit rating. Lenders use your credit rating to assess your credit worthiness and hence your eligibility to borrow at lower interest rates. If you have an excellent credit rating this is a real bargaining chip for you. You can read about credit ratings at this government site.

              • Research

                Get your finance in place before you go to purchase. Often you can obtain finance at the same place you are purchasing a car and it will seem very convenient. However, you need to check that you cannot achieve a cheaper rate by shopping around.

              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.