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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 $50,00013.90
ASBPersonal LoanSecured12.90
Personal LoanUnsecured12.90
Debt ConsolidationUnsecured12.90
BNZAdvanced Unsecured12.90
Campus Pack AdvancedUnsecured12.65
Graduate Pack AdvancedUnsecured12.65
Co-operative BankPersonal LoanUnsecuredFrom8.99
Personal LoanUnsecuredTo17.75
Heartland BankPersonal LoanUnsecuredFrom8.95
Personal LoanUnsecuredTo15.95
YouChoose OverdraftUnsecured10.00
KiwibankPersonal LoanUnsecured18.95
Personal Loan - Graduate packUnsecured$2,000-$15,00013.95
Home Loan CustomersUnsecured13.95
SBS Bank.Personal loanSecured13.85
TSB BankPersonal loanUnsecuredfrom12.95
Overdraft facilitiesUnsecuredFrom15.39
WestpacPersonal LoanUnsecuredFrom13.90
Graduate LoanUnsecuredTo14.00


Institution Product Plan Notes Interest rate %
Squirrel MoneyCredit Grade AUnsecured8.95
Credit Grade BUnsecured11.45
Credit Grade CUnsecured12.95
Credit Grade DUnsecured15.95
Homeowner's loan; 1 YearUnsecured8.00
Homeowner's loan; 2 - 3 YearsUnsecured8.00
Homeowner's loan; 5 - 7 YearsUnsecured7.75

Building Societies

Institution Product Plan Notes Interest rate %
NelsonPersonal LoanSecured16.00

Credit Unions

Institution Product Plan Notes Interest rate %
First CUPersonal LoanSecuredFrom9.95
Personal LoanSecuredTo10.95
NZCU AucklandPersonal LoanSecured12.95
Personal LoanUnsecured19.95
Police CUStandardSecured10.50
UnityPersonal LoanSecuredFrom9.90
Personal LoanSecuredTo18.90
Personal LoanUnsecuredFrom12.90
Personal LoanUnsecuredTo21.90

Finance Companies

Institution Product Plan Notes Interest rate %
AA MoneyPersonal LoanSecuredFrom 10.45
Personal LoanSecuredTo18.95
Admiral FinancePersonal LoansSecuredFrom13.95
Personal LoansSecuredTo23.95
Advaro FinancePersonal LoanSecuredFrom10.95
Personal LoanSecuredTo19.95
Aotea FinancePersonal LoanSecuredFrom22.50
Personal LoanSecuredTo32.50
Avanti FinancePersonal LoanSecuredFrom16.50
Personal LoanSecuredTo25.70
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 LoanSecuredto29.99
Personal LoanUnsecuredfrom9.99
Personal LoanUnsecuredto29.99
Geneva FinancePersonal LoanSecuredFrom12.95
Personal LoanSecuredTo28.95
Gilrose FinancePersonal LoanSecuredFrom 9.95
Personal LoanSecuredTo22.50
HarmoneyPersonal LoanUnsecuredFrom9.99
Personal LoanUnsecuredTo24.99
Personal LoanSecuredFrom9.89
Personal LoanSecuredTo21.49
Instant FinancePersonal LoansUnsecuredFrom12.95
Personal LoansUnsecuredTo29.95
MTF FinancePersonal LoanUnsecuredFrom14.20
Personal LoanUnsecuredTo24.20
Personal LoanSecured by carFrom11.70
Personal LoanSecured by carTo23.70
Mutual Credit FinancePersonal LoanUnsecuredFrom13.85
Personal LoanUnsecuredTo23.85
Nectar Personal LoanUnsecuredFrom8.95
Personal LoanUnsecuredTo29.95
Nova Medical FinancePersonal loanUnsecuredFrom12.90
Personal loanUnsecuredTo17.50
NZ LoanPersonal LoanDebt ConsolidationFrom13.50
Personal LoanSecuredFrom13.50
Personal LoanUnsecuredFrom16.00
Paraloanfor people with physical disabilitiesSecuredFrom10.30
for people with physical disabilitiesUnsecuredFrom (limited to $10,000)12.90
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