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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:

The Co-operative Bank

Personal Loan
6.99% to 19.95%

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.

7.89% $3,000 to $50,000
  • Must be 18 to apply
  • Must have photo ID (passport or drivers license)
  • Must have a regular source of income
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.
Establishment Fee: $200 Repayment Options: Weekly, Fortnightly, Monthly
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:

NZCU South

Personal Loans
8.9% 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.

10.03% $1,000 to $50,000
  • Must be 18 years of age or older
  • Citizen or permanent resident of New Zealand
Representative example: The advertised rate is 8.90%, so if you borrow $15,000 over 3 years you will pay a $250 Establishment Fee and no Monthly Fees. You will repay $484.24 each month and $17,432.51 in total.
Establishment Fee: $250 Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: Minimum Loan Term: 6 months
Other Fee: $50 security fee (if applies) Maximum Loan Term: 7 years
Early Repayment Fee: $25 Other Info: Retail branch network

ASB Bank

Unsecured Personal Loan
13.95% to 19.95% 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: Make extra repayments at any time with no charges and no fees

Harmoney

Personal Loan Grade B1-B5
12.39% to 14.8%

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

14.46% $2,000 to $55,000
  • Hold a valid New Zealand Drivers License, or
  • Hold a valid New Zealand Passport
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.
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:

Geneva Finance

Personal Loan
11.95% to 28.95%

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

Harmoney

Personal Loan Grade C1-C5
15.9% to 18.49%

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

18.02% $2,000 to $45,000
  • Hold a valid New Zealand Drivers License, or
  • Hold a valid New Zealand Passport
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.
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:

Instant Finance

Personal Loan Unsecured
19.95% to 29.95%

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

22.23% $200 to $20,000
  • Photo ID (valid Passport, Drivers Licence, or 18+ Card with your Birth Certificate)
  • Proof of address (a recent letter/bill delivered to you at your residential address)
  • Proof of income
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, Fortnightly, Monthly
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

Harmoney

Personal Loan Grade E1-E5
21.99% to 24.69%

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

24.19% $2,000 to $25,000
  • Hold a valid New Zealand Drivers License, or
  • Hold a valid New Zealand Passport
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.
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:

Harmoney

Personal Loan Grade F1-F5
26.99% to 29.99%

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

29.25% $2,000 to $15,000
  • 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 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:

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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.