Personal Loans

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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
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
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
Harmoney
55636
Personal Loan Grade B1-B5
Rate (p.a.)

12.39% to 14.8%

Comparison Rate (p.a.)

14.46%

Loan Amount

$2,000 to $50,000

Representative example: The advertised rate is 12.39%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $516.04 each month and $18,577.57 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
Geneva Finance
48451
Personal Loan
Rate (p.a.)

11.95% to 28.95%

Comparison Rate (p.a.)

15.11%

Loan Amount

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.

  • Save up to 38% 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 -

Maximum Loan Term 5 years

Early Repayment Fee $15

Other Info You can make bulk payments with no penalties

More Info
Harmoney
55642
Personal Loan Grade C1-C5
Rate (p.a.)

15.9% to 18.49%

Comparison Rate (p.a.)

18.02%

Loan Amount

$2,000 to $50,000

Representative example: The advertised rate is 15.90%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $542.41 each month and $19,526.89 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
Nectar
55633
Personal Loan Unsecured B1-B4
Rate (p.a.)

18.5% to 23.5%

Comparison Rate (p.a.)

19.65%

Loan Amount

$1,000 to $20,000

Representative example: The advertised rate is 18.50%, so if you borrow $15,000 over 3 years you will pay a $240 Establishment Fee and no Monthly Fees. You will repay $554.79 each month and $19,972.53 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
Instant Finance
49062
Personal Loan Unsecured
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 -

Maximum Loan Term 3 years

Early Repayment Fee $100 and a Prepayment Charge

Other Info Branches nationwide

More Info
Harmoney
55640
Personal Loan Grade E1-E5
Rate (p.a.)

21.99% to 24.69%

Comparison Rate (p.a.)

24.19%

Loan Amount

$2,000 to $50,000

Representative example: The advertised rate is 21.99%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $589.96 each month and $21,238.65 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
Nectar
55631
Personal Loan Unsecured C1-C4
Rate (p.a.)

24.50% to 29.95%

Comparison Rate (p.a.)

25.69%

Loan Amount

$1,000 to $20,000

Representative example: The advertised rate is 24.50%, so if you borrow $15,000 over 3 years you will pay a $240 Establishment Fee and no Monthly Fees. You will repay $601.92 each month and $21,669.01 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
Harmoney
55639
Personal Loan Grade D1-D5
Rate (p.a.)

18.99% to 21.49%

Comparison Rate (p.a.)

21.15%

Loan Amount

$2,000 to $50,000

Representative example: The advertised rate is 18.99%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $566.26 each month and $20,385.27 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
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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.