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Personal Loans

Institute Product name Rate Comparison Rate Loan Amountsort descending More Info

Geneva Finance

Personal Loan
11.95% to 29.95%

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 $8.00 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: $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

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

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: $100 Repayment Options: Fortnightly, Monthly
Monthly Fee: Minimum Loan Term: 1 year
Other Fee: Maximum Loan Term: 5 years
Early Repayment Fee: No fee Other Info: Loan term is normally up to 5 years but can be for up to 10 years depending on your circumstances

Instant Finance

Personal Loan Secured
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 charge Minimum Loan Term: 3 months
Other Fee: $16.10 PPSR Maximum Loan Term: 3 years
Early Repayment Fee: $100 and a Prepayment Charge Other Info: Branches nationwide

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.

22.62% $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 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

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 borrowed Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: $12 Minimum 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

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 borrowed Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: $12 Minimum 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:

Quick Loans

Car Loan
9.95% to 23.95%

100% online, money credited in as little as 30 mnutes

13.86% $1,000 to $20,000
  • 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 9.95%, 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 $511.62 each month and $18,418.19 in total.
Establishment Fee: $125 to $595 loan amount dependent Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: $12 Minimum Loan Term: 6 months
Other Fee: Maximum Loan Term: 5 years
Early Repayment Fee: None 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 borrowed Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: $12 Minimum 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:

Quick Loans

Debt Consolidation
9.95% to 23.95%

100% online, money credited in as little as 30 mnutes

13.86% $1,000 to $20,000
  • 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 9.95%, 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 $511.62 each month and $18,418.19 in total.
Establishment Fee: $125 to $595 loan amount dependent Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: $12 Minimum Loan Term: 6 months
Other Fee: Maximum Loan Term: 5 years
Early Repayment Fee: None Other 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.

11.07% from $1,000
  • Must be 18 years of age or older
  • Citizen or permanent resident of New Zealand
Representative example: The advertised rate is 9.95%, so if you borrow $15,000 over 3 years you will pay a $245 Establishment Fee and no Monthly Fees. You will repay $491.56 each month and $17,696.00 in total.
Establishment Fee: $245 Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: Minimum Loan Term: 6 months
Other Fee: $50 security fee (if applies) Maximum Loan Term: 10 years
Early Repayment Fee: $25 Other Info: Retail branch network

Lending Crowd

Personal Loan Secured - B2 (5 years)
18.65

There are no fees for early repayment or discharging securities.

20.80% $2,000 to $200,000
Representative example: The advertised rate is 18.65%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $563.61 each month and $20,289.79 in total.
Establishment Fee: $250 to $1,450 (Loan amount dependent) Repayment Options: Monthly
Monthly Fee: Minimum Loan Term: 5 Years
Other Fee: Maximum Loan Term: 5 Years
Early Repayment Fee: None Other Info:

Lending Crowd

Personal Loan Secured - A1 (5 years)
8.34

There are no fees for early repayment or discharging securities.

10.36% $2,000 to $200,000
Representative example: The advertised rate is 8.34%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $486.57 each month and $17,516.66 in total.
Establishment Fee: $250 to $1,450 (Loan amount dependent) Repayment Options: Monthly
Monthly Fee: Minimum Loan Term: 5 Years
Other Fee: Maximum Loan Term: 5 Years
Early Repayment Fee: None Other Info:

Harmoney

Personal Loan Grade B1-B5
13.39% to 17.8%

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

15.48% $2,000 to $50,000
  • Hold a valid New Zealand Drivers License, or
  • Hold a valid New Zealand Passport
Representative example: The advertised rate is 13.39%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $523.48 each month and $18,845.23 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 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 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.