Compare personal loans

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

Personal Loans Debt Consolidation
500+ Lenders Compared
24 Markets Covered
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ANZ Car Loan

ANZ New Zealand

Representative APR
13.9%
Amount
NZ$3k–NZ$50k
Term
6–84 mo
Best for: Ideal for those seeking a reliable lender with no application fees and quick approval times.

Instant Finance Debt Consolidation Loan

Instant Finance

Representative APR
9.95–29.95%
Amount
NZ$500–NZ$50k
Term
3–84 mo
Best for: This loan is best for individuals looking to simplify their finances by consolidating high-interest debts into one manageable payment.

Westpac Personal Loan

Westpac

Representative APR
7.99–13.9%
Amount
NZ$2k–NZ$50k
Term
6–60 mo
Best for: Best for those seeking lower rates for electric vehicle financing, as well as borrowers needing larger sums up to $50,000.

SBS Bank Home Loan

SBS Bank

Representative APR
4.19–6.39%
Amount
—
Term
6–360 mo
Best for: This loan is best for those seeking flexible mortgage terms and personalised service from a local bank. It's suitable for first-home buyers and those refinancing their existing mortgages.

UDC Finance Car Loan

UDC Finance

Representative APR
8.55–11.7%
Amount
NZ$5k–NZ$100k
Term
12–60 mo
Best for: This loan is best for those seeking a straightforward vehicle financing solution with the option to tailor repayment terms to fit their budget.

Instant Finance Personal Loan

Instant Finance

Representative APR
9.95–29.95%
Amount
NZ$500–NZ$50k
Term
3–84 mo
Best for: Best for borrowers needing quick access to cash with flexible repayment terms of 3 to 84 months.

Westpac Car Loan

Westpac New Zealand

Representative APR
6.49–12.99%
Amount
NZ$2k–NZ$50k
Term
6–60 mo
Best for: Ideal for NZ residents looking for fixed-rate car loans with flexible terms and quick approval.

Harmoney Car Loan

Harmoney

Representative APR
7.99–24.99%
Amount
NZ$2k–NZ$100k
Term
36–84 mo
Best for: This loan is ideal for those who want to check rates without affecting their credit score and need a loan range between $2,000 to $100,000.

ASB Personal Loan

ASB

Representative APR
12.9–19.95%
Amount
NZ$2k–NZ$50k
Term
6–84 mo
Best for: This loan is best for borrowers needing substantial funds for projects or debt consolidation with flexible repayment terms.

MTF Finance Car Loan

MTF Finance

Representative APR
8.95–19.95%
Amount
NZ$2k–NZ$100k
Term
12–84 mo
Best for: This loan is ideal for NZ residents aged 18 and over who have a regular income and need quick access to vehicle financing.

Harmoney Personal Loan

Harmoney

Representative APR
7.99–24.99%
Amount
NZ$2k–NZ$100k
Term
36–84 mo
Best for: This loan is best for individuals seeking quick access to funds with minimal paperwork, particularly those with good to excellent credit.

Instant Finance Car Loan

Instant Finance

Representative APR
9.95–29.95%
Amount
NZ$2k–NZ$50k
Term
12–84 mo
Best for: This loan is best for those who need quick access to funds for vehicle purchases and have a reliable income.

SBS Bank Personal Loan

SBS Bank

Representative APR
11.5–15.5%
Amount
NZ$1k–NZ$30k
Term
6–60 mo
Best for: This loan is best for borrowers who are NZ citizens or permanent residents and have a steady income, looking for a manageable loan amount.

ASB Car Loan

ASB Bank

Representative APR
12.95%
Amount
NZ$2k–NZ$50k
Term
6–84 mo
Best for: Best suited for ASB account holders needing a quick loan for a new or used vehicle with flexible terms from 6 to 84 months.

BNZ Personal Loan

BNZ

Representative APR
13.9–19.9%
Amount
NZ$2k–NZ$50k
Term
6–60 mo
Best for: This loan is best for borrowers seeking amounts from NZ$2,000 to NZ$50,000 with flexible repayment terms.

AA Money Car Loan

AA Money

Representative APR
9.4–12.15%
Amount
NZ$5k–NZ$75k
Term
12–60 mo
Best for: It's ideal for those seeking quick online approval and flexible loan amounts for vehicle purchases.

Kiwibank Personal Loan

Kiwibank

Representative APR
12.99–18.99%
Amount
NZ$2k–NZ$30k
Term
12–60 mo
Best for: Best suited for borrowers looking for flexible loan amounts and terms, with the added benefit of supporting a New Zealand-owned institution.