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Personal Loans

Institute Product name Rate Comparison Rate Loan Amount More 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 feeRepayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:Minimum Loan Term:6 months
Other Fee:Maximum Loan Term:10 years
Early Repayment Fee:$35Other Info:Retail branch network

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)Repayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:Minimum Loan Term:6 months
Other Fee:$10 PPSRMaximum Loan Term:5 years
Early Repayment Fee:$39Other Info:The vehicle used as security for your loan must be no more than 12 years old and must be insured

UDC Finance

Car Loan
9.5% to 14.5%

Up to 100% finance for new and used cars

11.32% $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 $276 Establishment Fee and a $4.00 fee per month. You will repay $493.34 each month and $17,760.07 in total.
Establishment Fee:$276Repayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:$4Minimum Loan Term:1 year
Other Fee:$10.35 PPSRMaximum Loan Term:5 years
Early Repayment Fee:$15 plus a break feeOther 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:$99Repayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:No feeMinimum Loan Term:6 months
Other Fee:$25 PPSRMaximum Loan Term:7 years
Early Repayment Fee:No feeOther Info:You can pay off your personal loan at any time, with no fees and no charges.

Gem

Car Loan
12.99% to 18.99%

The vehicle serves as security for the loan and therefore must be comprehensively insured throughout the term of the loan

14.10% $6,000 to $15,000
  • At least 18 years old
  • A permanent resident of New Zealand
  • Earning a stable income
Representative example: The advertised rate is 12.99%, so if you borrow $15,000 over 3 years you will pay a $240 Establishment Fee and no Monthly Fees. You will repay $513.42 each month and $18,483.21 in total.
Establishment Fee:$240Repayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:$0Minimum Loan Term:6 months
Other Fee:$1.50 for PostShop over-the-counter paymentMaximum Loan Term:7 years
Early Repayment Fee:$0Other Info:You can make additional payments at any time and there is no early termination fee

Geneva Finance

Car Loan
11.95% to 28.95%

Save 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 $8.00 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:$8Minimum Loan Term:6 months
Other Fee:$9.20 PPSRMaximum Loan Term:5 years
Early Repayment Fee:$15Other Info:You can make bulk payments with no penalties

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:

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:

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:

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

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:$222Repayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:Minimum Loan Term:1 year
Other Fee:$10 PPSRMaximum Loan Term:5 years
Early Repayment Fee:$39Other Info:

Gem

Personal Loan
12.99% to 29.99% 14.10% From $2,000
  • At least 18 years old
  • A permanent resident of New Zealand
  • Earning a stable income
Representative example: The advertised rate is 12.99%, so if you borrow $15,000 over 3 years you will pay a $240 Establishment Fee and no Monthly Fees. You will repay $513.42 each month and $18,483.21 in total.
Establishment Fee:$240Repayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:$0Minimum Loan Term:6 months
Other Fee:$1.50 payment handling fee for over the counter payments at PostShop branchesMaximum Loan Term:7 years
Early Repayment Fee:Other Info:You can make additional payments at any time and there is no early termination fee

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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.