Compare personal loans

ANZ New Zealand Car Finance

ANZ Car Loan

The ANZ Car Loan is straightforward with a fixed rate, but its APR might be high for some borrowers.

13.9% APR 3000–50000 6–84 months

Ideal for those seeking a reliable lender with no application fees and quick approval times.

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SBS Bank Mortgage

SBS Bank Home Loan

SBS Bank offers competitive home loan options, making it a viable choice for many New Zealanders. However, potential borrowers should carefully consider their lending criteria and fees.

4.19%–6.39% APR 6–360 months

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.

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Instant Finance Personal

Instant Finance Personal Loan

This loan option provides a wide range of amounts and terms, but the high interest rates may not suit everyone.

9.95%–29.95% APR 500–50000 3–84 months

Best for borrowers needing quick access to cash with flexible repayment terms of 3 to 84 months.

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Instant Finance Debt Consolidation

Instant Finance Debt Consolidation Loan

The Instant Finance Debt Consolidation Loan offers a practical solution for managing multiple debts, but be aware of the associated costs.

9.95%–29.95% APR 500–50000 3–84 months

This loan is best for individuals looking to simplify their finances by consolidating high-interest debts into one manageable payment.

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Harmoney Car Finance

Harmoney Car Loan

Harmoney's car loan is a viable option for borrowers looking for flexible borrowing terms and competitive rates.

7.99%–24.99% APR 2000–100000 36–84 months

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.

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Kiwibank Personal

Kiwibank Personal Loan

Kiwibank's personal loans provide a solid option for those who prefer a locally owned bank with a straightforward application process.

12.99%–18.99% APR 2000–30000 12–60 months

Best suited for borrowers looking for flexible loan amounts and terms, with the added benefit of supporting a New Zealand-owned institution.

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UDC Finance Car Finance

UDC Finance Car Loan

UDC Finance offers competitive car loan options with flexible terms, making it a solid choice for potential borrowers in New Zealand.

8.55%–11.7% APR 5000–100000 12–60 months

This loan is best for those seeking a straightforward vehicle financing solution with the option to tailor repayment terms to fit their budget.

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ANZ Personal

ANZ Personal Loans

The lack of fees is for borrowers looking for flexibility, but the 13.9% APR could be high for those with better credit options. This product is best for individuals needing quick, fee-free access to funds.

13.9% APR 3000–50000 6–84 months

Individuals with a stable income looking to borrow between NZ$3,000 and NZ$50,000 for personal purposes.

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AA Money Auto

AA Money Car Loan

AA Money's car loan options cater well to a variety of borrowers, but the interest rates may be higher than some competitors.

9.4%–12.15% APR 5000–75000 12–60 months

It's ideal for those seeking quick online approval and flexible loan amounts for vehicle purchases.

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SBS Bank Personal

SBS Bank Personal Loan

SBS Bank's personal loan provides a straightforward option for those needing cash quickly, but the interest rates may not be the most competitive.

11.5%–15.5% APR 1000–30000 6–60 months

This loan is best for borrowers who are NZ citizens or permanent residents and have a steady income, looking for a manageable loan amount.

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MTF Finance Car Finance

MTF Finance Car Loan

MTF Finance provides competitive car loan options for those looking to finance a vehicle, with flexible terms and quick approvals.

8.95%–19.95% APR 2000–100000 12–84 months

This loan is ideal for NZ residents aged 18 and over who have a regular income and need quick access to vehicle financing.

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Westpac Personal

Westpac Personal Loan

With flexible borrowing options, Westpac's personal loan is ideal for various financial needs, though the standard rate is on the higher side.

7.99%–13.9% APR 2000–50000 6–60 months

Best for those seeking lower rates for electric vehicle financing, as well as borrowers needing larger sums up to $50,000.

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ASB Bank Car Finance

ASB Car Loan

ASB's car loan is a straightforward option for those looking to finance a vehicle, but the interest rate may be high for some borrowers.

12.95% APR 2000–50000 6–84 months

Best suited for ASB account holders needing a quick loan for a new or used vehicle with flexible terms from 6 to 84 months.

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The Co-operative Bank Personal

The Co-operative Bank Personal Loan

With rates starting at 9.95% p.a., this loan is an appealing option for many borrowers.

9.95%–17.75% APR 1000–50000 6–60 months

Best suited for those needing a personal loan between $1,000 and $50,000 with flexible terms.

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Instant Finance Auto

Instant Finance Car Loan

Instant Finance provides a straightforward car loan option, but borrowers should be cautious of the higher interest rates.

9.95%–29.95% APR 2000–50000 12–84 months

This loan is best for those who need quick access to funds for vehicle purchases and have a reliable income.

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BNZ Personal

BNZ Personal Loan

BNZ's personal loan is a viable option for those needing a significant amount of cash quickly, but rates can be steep.

13.9%–19.9% APR 2000–50000 6–60 months

This loan is best for borrowers seeking amounts from NZ$2,000 to NZ$50,000 with flexible repayment terms.

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Westpac New Zealand Car Finance

Westpac Car Loan

This loan provides straightforward financing for car buyers but comes with a higher interest rate compared to competitors.

6.49%–12.99% APR 2000–50000 6–60 months

Ideal for NZ residents looking for fixed-rate car loans with flexible terms and quick approval.

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ASB Personal

ASB Personal Loan

ASB's personal loan options are competitive, especially for those looking for larger amounts over longer terms.

12.9%–19.95% APR 2000–50000 6–84 months

This loan is best for borrowers needing substantial funds for projects or debt consolidation with flexible repayment terms.

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Harmoney Personal

Harmoney Personal Loan

Harmoney offers a flexible personal loan option for those looking to consolidate debt or finance personal projects. However, borrowers should consider their creditworthiness before applying.

7.99%–24.99% APR 2000–100000 36–84 months

This loan is best for individuals seeking quick access to funds with minimal paperwork, particularly those with good to excellent credit.

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