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Personal Loans

Institutesort descending Product name Rate Comparison Rate Loan Amount More 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)Repayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:Minimum Loan Term:6 months
Other Fee:$10 PPSRMaximum Loan Term:5 years
Early Repayment Fee:$39Other Info:The vehicle used as security for your loan must be no more than 12 years old and must be insured

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:

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 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:

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 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:

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:

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

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:$99Repayment 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 pay off your personal loan at any time, with no fees and no charges.

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:$99Repayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:No feeMinimum Loan Term:6 months
Other Fee:$25 PPSRMaximum Loan Term:7 years
Early Repayment Fee:No feeOther Info:You can pay off your personal loan at any time, with no fees and no charges.

Fair City Finance

Personal Loans
14.95% to 19.95%

Our loans are commonly secured by motor vehicles, property caveat, boats, caravans, household chattels, or a combination of these

18.07% $500 to $20,000
  • You need to be at least 18 years of age
  • Or have someone over 18 as a Guarantor
Representative example: The advertised rate is 14.95%, so if you borrow $15,000 over 3 years you will pay a $420 Establishment Fee and a $8.67 fee per month. You will repay $542.83 each month and $19,541.95 in total.
Establishment Fee:$220 to $420 (loan amount dependant)Repayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:$8.67 ($2 per week)Minimum Loan Term:6 months
Other Fee:$16.10 PPSRMaximum Loan Term:4 years
Early Repayment Fee:$100 + a full prepayment feeOther Info:

Gem

Car Loan
12.99% to 18.99%

The vehicle serves as security for the loan and therefore must be comprehensively insured throughout the term of the loan

14.10% $6,000 to $15,000
  • At least 18 years old
  • A permanent resident of New Zealand
  • Earning a stable income
Representative example: The advertised rate is 12.99%, so if you borrow $15,000 over 3 years you will pay a $240 Establishment Fee and no Monthly Fees. You will repay $513.42 each month and $18,483.21 in total.
Establishment Fee:$240Repayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:$0Minimum Loan Term:6 months
Other Fee:$1.50 for PostShop over-the-counter paymentMaximum Loan Term:7 years
Early Repayment Fee:$0Other Info:You can make additional payments at any time and there is no early termination fee

Gem

Personal Loan
12.99% to 29.99% 14.10% From $2,000
  • At least 18 years old
  • A permanent resident of New Zealand
  • Earning a stable income
Representative example: The advertised rate is 12.99%, so if you borrow $15,000 over 3 years you will pay a $240 Establishment Fee and no Monthly Fees. You will repay $513.42 each month and $18,483.21 in total.
Establishment Fee:$240Repayment Options:Weekly, Fortnightly, Monthly
Monthly Fee:$0Minimum Loan Term:6 months
Other Fee:$1.50 payment handling fee for over the counter payments at PostShop branchesMaximum Loan Term:7 years
Early Repayment Fee:Other Info:You can make additional payments at any time and there is no early termination fee

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

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 aboveRepayment Options:Monthly
Monthly Fee:Minimum Loan Term:3 years
Other Fee:Maximum Loan Term:5 years
Early Repayment Fee:No feeOther 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 aboveRepayment Options:Monthly
Monthly Fee:Minimum Loan Term:3 years
Other Fee:Maximum Loan Term:5 years
Early Repayment Fee:No feeOther 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.