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Personal Loans

Institutesort descending Product name Rate Comparison Rate Loan Amount More Info

AA Finance

Car Loan
From 9.95%

Get a one-off discount from AA Smartfuel with 50c off per litre (up to 50 litres) when taking a loan out with AA Money.

10.77% $5,000 to $100,000
  • 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 $180 Establishment Fee and no Monthly Fees. You will repay $489.46 each month and $17,620.55 in total.
Establishment Fee: $180 (AA Members) $240 (Non AA members) Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: $0 Minimum Loan Term: 12 months
Other Fee: Maximum Loan Term: 5 years
Early Repayment Fee: 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:

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:

ANZ Bank

Standard Personal loan
13.9% 14.44% $3,000 to $40,000
  • Be at least 18 years old
  • Be a permanent New Zealand resident
  • Note: No more than two people can apply jointly
Representative example: The advertised rate is 13.90%, so if you borrow $15,000 over 3 years you will pay a $115 Establishment Fee and no Monthly Fees. You will repay $515.86 each month and $18,571.00 in total.
Establishment Fee: $115 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: Change your repayment amount, or pay it off early, with no additional charges or fees (terms apply)

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

ASB Bank

Secured Personal Loan
12.95% 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: $99 Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: No fee Minimum Loan Term: 6 months
Other Fee: $25 PPSR Maximum Loan Term: 7 years
Early Repayment Fee: No fee Other Info: Make extra repayments at any time with no charges and no fees

Carpow

Personal Loan - Secured
8.95% to 25.95% 12.23% Up to $50,000
Representative example: The advertised rate is 8.95%, so if you borrow $15,000 over 3 years you will pay a $495 Establishment Fee and a $7.50 fee per month. You will repay $499.88 each month and $17,995.55 in total.
Establishment Fee: $495 Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: $7.50 Minimum Loan Term:
Other Fee: $11.50 (PPSR) Maximum Loan Term: 5 years
Early Repayment Fee: $45 Other Info:

Carpow

Car Loan
8.95% to 25.95% 12.23% $3,000 to $100,000
Representative example: The advertised rate is 8.95%, so if you borrow $15,000 over 3 years you will pay a $495 Establishment Fee and a $7.50 fee per month. You will repay $499.88 each month and $17,995.55 in total.
Establishment Fee: $495 Repayment Options: Weekly, Fortnightly, Monthly
Monthly Fee: $7.50 Minimum Loan Term:
Other Fee: $11.50 (PPSR) Maximum Loan Term: 5 years
Early Repayment Fee: $245 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 $8.00 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
8.95% to 28.95%

Save on Fees when you apply online

12.10% Up to $65,000
Representative example: The advertised rate is 8.95%, 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 $498.95 each month and $17,962.07 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

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 $50,000
  • 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:

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 $50,000
  • 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 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 $50,000
  • 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:

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 $50,000
  • 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:

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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.