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Personal Loans

Institutesort descending 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), 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:

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
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

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:

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:

ANZ Bank

Standard Personal loan
17.95%

This is a special rate for a limited time and cannot be used in conjunction with any other benefits, offers or package discounts

18.50% $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 17.95%, so if you borrow $15,000 over 3 years you will pay a $115 Establishment Fee and no Monthly Fees. You will repay $546.06 each month and $19,658.32 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: You can make extra repayments at any time, with no fees

ASB Bank

Secured Personal Loan
12.95%

Get approved between 15 August and 30 September 2018 and ASB will waive the $99 preocessing fee

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: You can pay off your personal loan at any time, with no fees and no charges.

ASB Bank

Unsecured Personal Loan
13.95% to 19.95%

Get approved between 15 August and 30 September 2018 and ASB will waive the $99 preocessing fee

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: You can pay off your personal loan at any time, with no fees and no charges.

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

Harmoney

Personal Loan Grade F1-F5
28.99% to 29.99%

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

31.28% $2,000 to $10,000
  • Hold a valid New Zealand Drivers License, or
  • Hold a valid New Zealand Passport
Representative example: The advertised rate is 28.99%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $647.36 each month and $23,304.93 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 C1-C5
18.9% to 23.99%

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

21.06% $2,000 to $40,000
  • Hold a valid New Zealand Drivers License, or
  • Hold a valid New Zealand Passport
Representative example: The advertised rate is 18.90%, so if you borrow $15,000 over 3 years you will pay a $450 Establishment Fee and no Monthly Fees. You will repay $565.55 each month and $20,359.97 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
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:

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:

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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.