Compare personal loans

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

Every rate, every requirement — no rush.

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SBS Bank Home Loan

SBS Bank

4.19–6.39%APR
Term:
6–360 mo
Type:
Mortgage

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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Westpac Car Loan

Westpac New Zealand

6.49–12.99%APR
Amount:
NZ$2k–NZ$50k
Term:
6–60 mo
Type:
Auto

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

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Westpac Personal Loan

Westpac

7.99–13.9%APR
Amount:
NZ$2k–NZ$50k
Term:
6–60 mo
Type:
Personal

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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ANZ Car Loan

ANZ New Zealand

13.9%APR
Amount:
NZ$3k–NZ$50k
Term:
6–84 mo
Type:
Auto

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

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SBS Bank Personal Loan

SBS Bank

11.5–15.5%APR
Amount:
NZ$1k–NZ$30k
Term:
6–60 mo
Type:
Personal

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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Instant Finance Car Loan

Instant Finance

9.95–29.95%APR
Amount:
NZ$2k–NZ$50k
Term:
12–84 mo
Type:
Auto

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

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Kiwibank Personal Loan

Kiwibank

12.99–18.99%APR
Amount:
NZ$2k–NZ$30k
Term:
12–60 mo
Type:
Personal

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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MTF Finance Car Loan

MTF Finance

8.95–19.95%APR
Amount:
NZ$2k–NZ$100k
Term:
12–84 mo
Type:
Auto

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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Harmoney Car Loan

Harmoney

7.99–24.99%APR
Amount:
NZ$2k–NZ$100k
Term:
36–84 mo
Type:
Auto

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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Harmoney Personal Loan

Harmoney

7.99–24.99%APR
Amount:
NZ$2k–NZ$100k
Term:
36–84 mo
Type:
Personal

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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AA Money Car Loan

AA Money

9.4–12.15%APR
Amount:
NZ$5k–NZ$75k
Term:
12–60 mo
Type:
Auto

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

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BNZ Personal Loan

BNZ

13.9–19.9%APR
Amount:
NZ$2k–NZ$50k
Term:
6–60 mo
Type:
Personal

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

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UDC Finance Car Loan

UDC Finance

8.55–11.7%APR
Amount:
NZ$5k–NZ$100k
Term:
12–60 mo
Type:
Auto

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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ASB Car Loan

ASB Bank

12.95%APR
Amount:
NZ$2k–NZ$50k
Term:
6–84 mo
Type:
Auto

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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ASB Personal Loan

ASB

12.9–19.95%APR
Amount:
NZ$2k–NZ$50k
Term:
6–84 mo
Type:
Personal

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

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