sign up log in
Want to go ad-free? Find out how, here.

Personal loan

This page includes coverage of Debt Consolidation loans.

Only published interest rates or interest rate ranges are shown on this page. Most lenders also charge one-time establishment fees, plus often they will charge monthly account administrative fees on top of the interest rate. These costs can push the effective cost of credit (debt) up significantly. We recommend you find out three core things before you enter into any financial commitment. 1.) the net amount you will receive in you hand from this loan, 2.) the total amount of each payment, and 3.) the number of payments you will be required to make, and how often (ie: weekly, fortnightly, monthly). Then you should enter this information in this calculator. It will show the effective cost of the debt you are committing to.


Institution Product Plan Notes Interest rate %
ANZPersonal LoanUnsecured$3,000 to $50,00012.90
ASBPersonal LoanSecured12.90
Personal LoanUnsecured12.90
Debt ConsolidationUnsecured12.90
BNZAdvanced Unsecured17.85
Campus Pack AdvancedUnsecured12.65
Graduate Pack AdvancedUnsecured12.65
Co-operative BankPersonal LoanUnsecuredFrom6.99
Personal LoanUnsecuredTo19.99
Heartland BankPersonal LoanUnsecuredFrom8.95
Personal LoanUnsecuredTo15.95
YouChoose OverdraftUnsecured10.00
KiwibankPersonal LoanUnsecured$2,000 Special9.95
Personal LoanUnsecured$2,000 - $9,999 18.95
Personal LoanUnsecured$10,000 - $19,99913.95
Personal LoanUnsecured$20,000 over13.95
Personal Loan - Graduate packUnsecured13.95
Home Loan CustomersUnsecured13.95
SBS Bank.Personal loanSecured13.85
TSB BankPersonal loanUnsecuredfrom12.95
Overdraft facilitiesSecuredFrom11.54
Overdraft facilitiesUnsecuredFrom15.39
WestpacPersonal LoanUnsecuredFrom13.90
Graduate LoanUnsecuredTo14.00


Institution Product Plan Notes Interest rate %
HarmoneyCredit grade - A1Unsecured6.99
Credit grade - B1Unsecured12.39
Credit grade - C1Unsecured15.90
Credit grade - D1Unsecured18.99
Lending CrowdCredit grade - A1Secured3 Years6.45
Credit grade - A2Secured3 Years7.95
Credit grade - B1Secured3 Years9.06
Credit grade - B2Secured3 Years10.07
Credit grade - A1Unsecured2 Years6.98
Credit grade - A2Unsecured2 Years8.60
Credit grade - B1Unsecured2 Years11.20
Credit grade - B2Unsecured2 Years11.68
Squirrel MoneyCredit Grade AUnsecured8.95
Credit Grade BUnsecured11.45
Credit Grade CUnsecured12.95
Credit Grade DUnsecured15.95

Building Societies

Institution Product Plan Notes Interest rate %
NelsonPersonal LoanSecured16.00

Credit Unions

Institution Product Plan Notes Interest rate %
First CUPersonal LoanSecuredFrom9.95
Personal LoanSecuredTo18.00
NZ Firefighters CUInstant Personal Loan (Membership criteria apply)Secured8.95
Standard Personal Loan (Membership criteria apply)Secured11.95
Standard Personal Loan (Membership criteria apply)Unsecured12.95
NZCU AucklandPersonal LoanSecured9.95
Personal LoanUnsecured13.95
Police CUPersonal Loan (Membership criteria apply)Secured9.50
Personal Loan (Membership criteria apply)Secured80%, max $20K10.70
Personal Loan (Membership criteria apply)Secured40% - 60%, max $10K12.95
Personal Loan (Membership criteria apply)SecuredBlue Credit12.50
Personal Loan (Membership criteria apply)Unsecuredmax $5K17.00
UnityPersonal LoanSecuredFrom7.90
Personal LoanSecuredTo20.90
Personal LoanUnsecuredFrom9.90
Personal LoanUnsecuredTo22.90

Finance Companies

Institution Product Plan Notes Interest rate %
AA MoneyPersonal LoanSecuredFrom 7.99
Personal LoanSecuredTo16.99
Admiral FinancePersonal LoansSecuredFrom13.95
Personal LoansSecuredTo23.95
Advaro FinancePersonal LoanSecuredFrom10.95
Personal LoanSecuredTo19.95
Aotea FinancePersonal LoanSecuredFrom28.95
Personal LoanSecuredTo35.50
Avanti FinancePersonal LoanSecuredFrom13.95
Personal LoanSecuredTo25.95
Diners ClubPersonal LoanUnsecured17.80
Finance DirectPersonal Loan SecuredFrom6.69
Personal Loan SecuredTo24.95
Finance Now Personal LoanSecuredFrom12.95
Personal LoanSecuredTo29.95
Financial Holdings Personal LoanSecuredFrom12.95
Personal LoanUnsecuredTo24.95
Future FinancePersonal LoanSecuredFrom9.95
Personal LoanSecuredTo28.99
GemPersonal LoanSecuredfrom8.99
Personal LoanSecuredto24.99
Personal LoanUnsecuredfrom10.99
Personal LoanUnsecuredto25.99
Geneva FinancePersonal LoanSecuredFrom8.95
Personal LoanSecuredTo28.95
Gilrose FinancePersonal LoanSecuredFrom 9.95
Personal LoanSecuredTo17.95
Instant FinancePersonal LoansUnsecuredFrom19.95
Personal LoansUnsecuredTo29.95
Mutual Credit FinancePersonal LoanSecuredFrom13.95
Nectar Personal LoanUnsecuredFrom8.95
Personal LoanUnsecuredTo29.95
Nova Medical FinancePersonal loanUnsecured14.00
NZ LoanPersonal LoanDebt ConsolidationFrom13.50
Personal LoanSecuredFrom13.50
Personal LoanUnsecuredFrom16.00
Paraloanfor people with physical disabilitiesSecuredFrom6.20
for people with physical disabilitiesUnsecuredFrom (limited to $2,000)9.20
Pronto FinancePersonal LoanSecuredFrom11.97
Personal LoanSecuredTo29.97
Quick Cash Finance Personal LoanSecured26.00
Personal LoanUnsecured26.00
Thorn FinancePersonal LoanSecuredFrom9.95
Personal LoanSecuredTo17.95
Personal LoanUnsecuredFrom14.95
Personal LoanUnsecuredTo22.95
Toyota Financial ServicesPersonal LoanSecuredFrom 12.95
Personal LoanSecuredTo19.95