Compare lenders at a glance

See rates, terms, and eligibility across lender categories — no forms, no waiting.

Personal Loans

Flexible terms, fast approval

Typical APR

5.99–35.99%

Debt Consolidation

Simplify payments, lower rates

Typical APR

5.99–29.99%

Home Improvement

Fund renovations, add value

Typical APR

6.99–24.99%

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Westpac Personal Loan

Personal

7.99–13.9% APR NZ$2k–NZ$50k 6–60 mo

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Instant Finance Debt Consolidation Loan

Consolidation

9.95–29.95% APR NZ$500–NZ$50k 3–84 mo ⚡ Money within 24 hours of approval

Credit assessment based on income and overall financial situation

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SBS Bank Home Loan

Mortgage

4.19–6.39% APR 6–360 mo

Residential home loans typically need at least 20% equity · Residential investing lending typically needs at least 30% equity · First Home Loans can be available with at least 5% equity

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AA Money Car Loan

Auto

9.4–12.15% APR NZ$5k–NZ$75k 12–60 mo ⚡ Quick online application

NZ citizen or permanent resident · Regular income · Minimum age 18

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Instant Finance Personal Loan

Personal

9.95–29.95% APR NZ$500–NZ$50k 3–84 mo

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MTF Finance Car Loan

Auto

8.95–19.95% APR NZ$2k–NZ$100k 12–84 mo ⚡ Same day decision

NZ resident · Aged 18+ · Regular income

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SBS Bank Personal Loan

Personal

11.5–15.5% APR NZ$1k–NZ$30k 6–60 mo ⚡ 1-3 business days

NZ citizen or permanent resident · Age 18+ · Regular income

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Westpac Car Loan

Auto

6.49–12.99% APR NZ$2k–NZ$50k 6–60 mo ⚡ 1-3 business days

NZ resident · Aged 18+ · Westpac account

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BNZ Personal Loan

Personal

13.9–19.9% APR NZ$2k–NZ$50k 6–60 mo

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ANZ Car Loan

Auto

13.9% APR NZ$3k–NZ$50k 6–84 mo ⚡ Within 5 business days

NZ resident · Aged 18+ · Regular income

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Kiwibank Personal Loan

Personal

12.99–18.99% APR NZ$2k–NZ$30k 12–60 mo

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ASB Car Loan

Auto

12.95% APR NZ$2k–NZ$50k 6–84 mo ⚡ 1-3 business days

NZ resident · Aged 18+ · ASB account holder

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The Co-operative Bank Personal Loan

Personal

9.95–17.75% APR NZ$1k–NZ$50k 6–60 mo

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UDC Finance Car Loan

Auto

8.55–11.7% APR NZ$5k–NZ$100k 12–60 mo ⚡ Apply online or through dealer network

NZ citizen or permanent resident · Age 18+ · Regular income

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ASB Personal Loan

Personal

12.9–19.95% APR NZ$2k–NZ$50k 6–84 mo

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Instant Finance Car Loan

Auto

9.95–29.95% APR NZ$2k–NZ$50k 12–84 mo ⚡ Fast online approval

NZ citizen or permanent resident · Regular income

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ANZ Personal Loan

Personal

13.9% APR NZ$3k–NZ$50k 6–84 mo ⚡ Decision within 5 business days, same-day funding once approved

At least 18 years old · Regular income · Enough money left after expenses for repayments

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Harmoney Car Loan

Auto

7.99–24.99% APR NZ$2k–NZ$100k 36–84 mo ⚡ Rate check with no credit score impact

NZ or Australian citizen · No defaults on credit file · Full-time or permanent part-time employment

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Harmoney Personal Loan

Personal

7.99–24.99% APR NZ$2k–NZ$100k 36–84 mo ⚡ Quote in minutes, funding can be as fast as 9 minutes

At least 18 years old · NZ citizen, permanent resident, or Australian citizen · No defaults on credit file

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How to Secure the Best Personal Loan Deals Right Now

Discover the top personal loans with competitive APRs and no hidden fees. Learn how to choose the best option for your financial needs.