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Personal Loan Showdown: SBS Bank vs The Co-operative Bank

Compare SBS Bank's tight rate band with The Co-operative Bank's award-winning low rates to find the best fit for your financial needs.

Sep 7, 2026 Read more →

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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 Personal Loan

APR 9.95–29.95%

Amount: NZ$500–NZ$50k
Term: 3–84 months

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

The Co-operative Bank

The Co-operative Bank Personal Loan

APR 9.95–17.75%

Amount: NZ$1k–NZ$50k
Term: 6–60 months

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

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.

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.