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Personal Loans

Institute Product name Rate Comparison Rate Loan Amount More Info

AA Finance

Personal Loan
10.95% to 17.95

Ask us about additional savings that AA Members are eligible for

11.96% From $3,000
  • You must be at least 18 years of age
Representative example: The advertised rate is 10.95%, so if you borrow $15,000 over 3 years you will pay a $220 Establishment Fee and no Monthly Fees. You will repay $497.92 each month and $17,925.23 in total.
Establishment Fee:$220 (AA Members) $270 (Non AA members)Repayment Options:Weekly, Monthly
Monthly Fee:Minimum Loan Term:1 year
Other Fee:Maximum Loan Term:5 years
Early Repayment Fee:$39Other Info:

NZCU South

Personal Loans
9.95% 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.

12.07% from $1,000
  • Must be 18 years of age or older
  • Citizen or permanent resident of New Zealand
Representative example: The advertised rate is 10.95%, so if you borrow $15,000 over 3 years you will pay a $245 Establishment Fee and no Monthly Fees. You will repay $498.74 each month and $17,954.67 in total.
Establishment Fee:$245Repayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:Minimum Loan Term:6 months
Other Fee:Maximum Loan Term:10 years
Early Repayment Fee:$25Other Info:Retail branch network

Westpac

Personal Loan
13.95% to 18.95%

Personal Loan interest rates are floating so may change during the term of your loan

14.42% Up to $50,000
  • Provide photo identification
  • Verification of address
Representative example: The advertised rate is 13.95%, so if you borrow $15,000 over 3 years you will pay a $100 Establishment Fee and no Monthly Fees. You will repay $515.72 each month and $18,565.76 in total.
Establishment Fee:$100Repayment Options:Fortnightly, Monthly
Monthly Fee:Minimum Loan Term:1 year
Other Fee:Maximum Loan Term:5 years
Early Repayment Fee:No feeOther Info:Loan term is normally up to 5 years but can be for up to 10 years depending on your circumstances

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

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 - 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:

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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.