Compare personal loans

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

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Compare rates, terms, and total cost — all in one place.

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NZ$1,000 NZ$100,000

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ASB Bank

ASB Car Loan

APR 12.95%
Amount
NZ$2k–NZ$50k
Term
6–84 months
Approval
1-3 business days

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.

Kiwibank

Kiwibank Personal Loan

APR 12.99–18.99%
Amount
NZ$2k–NZ$30k
Term
12–60 months

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

SBS Bank

SBS Bank Home Loan

APR 4.19–6.39%
Amount
—
Term
6–360 months

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.

Instant Finance

Instant Finance Debt Consolidation Loan

APR 9.95–29.95%
Amount
NZ$500–NZ$50k
Term
3–84 months
Approval
Money within 24 hours of approval

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

Harmoney

Harmoney Car Loan

APR 7.99–24.99%
Amount
NZ$2k–NZ$100k
Term
36–84 months
Approval
Rate check with no credit score impact

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.

Harmoney

Harmoney Personal Loan

APR 7.99–24.99%
Amount
NZ$2k–NZ$100k
Term
36–84 months
Approval
Quote in minutes, funding can be as fast as 9 minutes

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

ANZ New Zealand

ANZ Car Loan

APR 13.9%
Amount
NZ$3k–NZ$50k
Term
6–84 months
Approval
Within 5 business days

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

ASB

ASB Personal Loan

APR 12.9–19.95%
Amount
NZ$2k–NZ$50k
Term
6–84 months

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

UDC Finance

UDC Finance Car Loan

APR 8.55–11.7%
Amount
NZ$5k–NZ$100k
Term
12–60 months
Approval
Apply online or through dealer network

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.

Westpac

Westpac Personal Loan

APR 7.99–13.9%
Amount
NZ$2k–NZ$50k
Term
6–60 months

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

MTF Finance

MTF Finance Car Loan

APR 8.95–19.95%
Amount
NZ$2k–NZ$100k
Term
12–84 months
Approval
Same day decision

Best for: Kiwis with a steady income and decent credit looking for car loans between NZD 2,000 and NZD 100,000.

Westpac New Zealand

Westpac Car Loan

APR 6.49–12.99%
Amount
NZ$2k–NZ$50k
Term
6–60 months
Approval
1-3 business days

Best for: Individuals aged 18+ with stable income and good credit looking for a car loan.

BNZ

BNZ Personal Loan

APR 13.9–19.9%
Amount
NZ$2k–NZ$50k
Term
6–60 months

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

AA Money

AA Money Car Loan

APR 9.4–12.15%
Amount
NZ$5k–NZ$75k
Term
12–60 months
Approval
Quick online application

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

SBS Bank

SBS Bank Personal Loan

APR 11.5–15.5%
Amount
NZ$1k–NZ$30k
Term
6–60 months
Approval
1-3 business days

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.

Instant Finance

Instant Finance Car Loan

APR 9.95–29.95%
Amount
NZ$2k–NZ$50k
Term
12–84 months
Approval
Fast online approval

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

ANZ

ANZ Personal Loans

APR 13.9%
Amount
NZ$3k–NZ$50k
Term
6–84 months
Approval
Decision within 5 business days, same-day funding once approved

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

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