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Personal Loans

Institute Product name Rate Comparison Rate Loan Amount More Info

myfinance

Car Finance
13.95% to 24.95% 16.31% $1,000 to $50,000
  • You need to be 18 years or older
  • Must have a minimum of a New Zealand restricted drivers license
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 $2.00 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, Fortnightly, Monthly
Monthly Fee:$2 (per instalment)Minimum Loan Term:3 months
Other Fee:$8.05 PPSRMaximum Loan Term:5 years
Early Repayment Fee:$100 + a prepayment chargeOther Info:

myfinance

Personal Loan
13.95% to 24.95% 16.31% From $1,000
  • You need to be 18 years or older
  • Must have a minimum of a New Zealand restricted drivers license
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 $2.00 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, Fortnightly, Monthly
Monthly Fee:$2 (per instalment)Minimum Loan Term:3 months
Other Fee:Maximum Loan Term:5 years
Early Repayment Fee:$100 + calculated prepayment chargeOther Info:

Admiral Finance

Personal Loan - Secured
13.95% to 23.95% 17.86% $1,000 to $50,000
  • 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 13.95%, so if you borrow $15,000 over 3 years you will pay a $495 Establishment Fee and a $12.00 fee per month. You will repay $541.21 each month and $19,483.42 in total.
Establishment Fee:$125 to $595 depending on amount borrowedRepayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:$12Minimum 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:

Admiral Finance

Car Loan
13.95% to 23.95% 17.86% $1,000 to $50,000
  • 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 13.95%, so if you borrow $15,000 over 3 years you will pay a $495 Establishment Fee and a $12.00 fee per month. You will repay $541.21 each month and $19,483.42 in total.
Establishment Fee:$125 to $595 depending on amount borrowedRepayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:$12Minimum 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:

Fair City Finance

Personal Loans
14.95% to 19.95%

Our loans are commonly secured by motor vehicles, property caveat, boats, caravans, household chattels, or a combination of these

18.07% $500 to $20,000
  • You need to be at least 18 years of age
  • Or have someone over 18 as a Guarantor
Representative example: The advertised rate is 14.95%, so if you borrow $15,000 over 3 years you will pay a $420 Establishment Fee and a $8.67 fee per month. You will repay $542.83 each month and $19,541.95 in total.
Establishment Fee:$220 to $420 (loan amount dependant)Repayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:$8.67 ($2 per week)Minimum Loan Term:6 months
Other Fee:$16.10 PPSRMaximum Loan Term:4 years
Early Repayment Fee:$100 + a full prepayment feeOther Info:

ANZ Bank

Standard Personal loan
13.95%

This is a special rate for a limited time and cannot be used in conjunction with any other benefits, offers or package discounts

14.49% $3,000 to $40,000
Representative example: The advertised rate is 13.95%, so if you borrow $15,000 over 3 years you will pay a $115 Establishment Fee and no Monthly Fees. You will repay $516.23 each month and $18,584.20 in total.
Establishment Fee:$115Repayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:No feeMinimum Loan Term:6 months
Other Fee:Maximum Loan Term:7 years
Early Repayment Fee:No feeOther Info:You can make extra repayments at any time, with no fees

Harmoney

Personal Loan Grade C1-C5
18.9% to 23.99%

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

21.06% $2,000 to $40,000
  • Hold a valid New Zealand Drivers License, or
  • Hold a valid New Zealand Passport
Representative example: The advertised rate is 18.90%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $565.55 each month and $20,359.97 in total.
Establishment Fee:$200 for loans under $5,000, or $450 for loans of $5,000 and aboveRepayment Options:Monthly
Monthly Fee:Minimum Loan Term:3 years
Other Fee:Maximum Loan Term:5 years
Early Repayment Fee:No feeOther Info:

Instant Finance

Personal Loan
19.95% to 29.95%

Instant Finance has over 45 years’ experience in helping people get back on track. They specialise in responsible lending.

22.62% $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 $500 Establishment Fee and a $2.00 fee per month. You will repay $577.64 each month and $20,795.07 in total.
Establishment Fee:$100 to $600 (loan amount dependant)Repayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:$2 per instalment chargeMinimum Loan Term:3 months
Other Fee:Maximum Loan Term:3 years
Early Repayment Fee:$100 and a Prepayment ChargeOther Info:Branches nationwide

Instant Finance

Personal Loan
19.95% to 29.95%

Instant Finance has over 45 years’ experience in helping people get back on track. They specialise in responsible lending.

22.62% $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 $500 Establishment Fee and a $2.00 fee per month. You will repay $577.64 each month and $20,795.07 in total.
Establishment Fee:$100 to $600 (loan amount dependant)Repayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:$2 per instalment chargeMinimum Loan Term:3 months
Other Fee:$16.10 PPSRMaximum Loan Term:3 years
Early Repayment Fee:$100 and a Prepayment ChargeOther Info:Branches nationwide

Admiral Finance

Personal Loan - Debt Con
13.95% to 23.95% 17.86% $1,000 to $50,000
  • 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 13.95%, so if you borrow $15,000 over 3 years you will pay a $495 Establishment Fee and a $12.00 fee per month. You will repay $541.21 each month and $19,483.42 in total.
Establishment Fee:$125 to $595 depending on amount borrowedRepayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:$12Minimum 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:

Harmoney

Personal Loan Grade E1-E5
26.99% to 28.69%

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

29.25% $2,000 to $20,000
  • Hold a valid New Zealand Drivers License, or
  • Hold a valid New Zealand Passport
Representative example: The advertised rate is 26.99%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $630.67 each month and $22,704.00 in total.
Establishment Fee:$200 for loans under $5,000, or $450 for loans of $5,000 and aboveRepayment Options:Monthly
Monthly Fee:Minimum Loan Term:3 years
Other Fee:Maximum Loan Term:5 years
Early Repayment Fee:No feeOther Info:

Harmoney

Personal Loan Grade F1-F5
28.99% to 29.99%

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

31.28% $2,000 to $10,000
  • Hold a valid New Zealand Drivers License, or
  • Hold a valid New Zealand Passport
Representative example: The advertised rate is 28.99%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $647.36 each month and $23,304.93 in total.
Establishment Fee:$200 for loans under $5,000, or $450 for loans of $5,000 and aboveRepayment Options:Monthly
Monthly Fee:Minimum Loan Term:3 years
Other Fee:Maximum Loan Term:5 years
Early Repayment Fee:No feeOther 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.

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.