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Personal Loans

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Last Updated Tuesday, August 27, 2019 - 6:03am

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.
Compare selected products
Institute Product namesort descending 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
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More details
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 PPSR Maximum Loan Term: 4 years
Early Repayment Fee: $100 + a prepayment charge Other Info:

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
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More details
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), includes Introducer Fee of $120 Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: Minimum Loan Term: 6 months
Other Fee: $10 PPSR Maximum Loan Term: 5 years
Early Repayment Fee: $39 Other Info: The vehicle used as security for your loan must be no more than 12 years old and must be insured

Quick Loans

 Car Loan
9.95% to 23.95%

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

 13.66% $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
Go to site
Check to compare 
More details
Representative example: The advertised rate is 9.95%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and a $12.00 fee per month. You will repay $510.17 each month and $18,365.95 in total.
Establishment Fee: $95 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: Do not charge an early settlement fee

Geneva Finance

 Car Loan
11.95% to 28.95%

Save on Fees when you apply online

 15.11% Up to $65,000
Go to site
Check to compare 
More details
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

Heartland Bank

 Car Loan
8.95% to 15.95% 9.99% From $5,000
  • Applicants must be 18 years of age or older
  • Applicants must be a permanent New Zealand resident
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More details
Representative example: The advertised rate is 8.95%, so if you borrow $15,000 over 3 years you will pay a $229 Establishment Fee and no Monthly Fees. You will repay $483.92 each month and $17,421.26 in total.
Establishment Fee: $229 Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: Minimum Loan Term: 1 year
Other Fee: $10.35 PPSR Maximum Loan Term: 5 years
Early Repayment Fee: $23 Other Info:

UDC Finance

 Car Loan
9.3% to 14.3%

Up to 100% finance for new and used cars

 10.38% $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
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Check to compare 
More details
Representative example: The advertised rate is 9.30%, so if you borrow $15,000 over 3 years you will pay a $175 Establishment Fee and a $2.00 fee per month. You will repay $486.68 each month and $17,520.57 in total.
Establishment Fee: $175 Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: $2 Minimum Loan Term: 1 year
Other Fee: $10.35 PPSR Maximum Loan Term: 5 years
Early Repayment Fee: $7 plus a variable amount Other Info:

Admiral Finance

 Car Loan
13.95% to 24.95% 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
Go to site
Check to compare 
More details
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

 13.66% $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
Go to site
Check to compare 
More details
Representative example: The advertised rate is 9.95%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and a $12.00 fee per month. You will repay $510.17 each month and $18,365.95 in total.
Establishment Fee: $95 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: Do not charge an early settlement fee

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
Go to site
Check to compare 
More details
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: 4 years
Early Repayment Fee: $100 + calculated prepayment charge Other 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
Go to site
Check to compare 
More details
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), includes Introducer Fee of $120 Repayment Options: Weekly, Monthly
Monthly Fee: Minimum Loan Term: 1 year
Other Fee: Maximum Loan Term: 5 years
Early Repayment Fee: $39 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
Go to site
Check to compare 
More details
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: No minimum
Other Fee: No other fee Maximum Loan Term: 5 years
Early Repayment Fee: No early repayment fee Other Info:

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
Go to site
Check to compare 
More details
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

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
Go to site
Check to compare 
More details
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

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
Go to site
Check to compare 
More details
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 fee 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: $35 Other Info: Retail branch network

Admiral Finance

 Personal Loan - Debt Con
13.95% to 24.95% 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
Go to site
Check to compare 
More details
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:

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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.