Compare personal loans

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

Independent comparison Updated daily No credit impact

Recently added

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

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

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

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

4.19–6.39% APR 6–360 mo
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.

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

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

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

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

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

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

ANZ Car Loan

ANZ New Zealand
Within 5 business days
13.9% APR NZ$3k–NZ$50k 6–84 mo
Auto

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

12.9–19.95% APR NZ$2k–NZ$50k 6–84 mo
Personal

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

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

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

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

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

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

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

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

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

Westpac Car Loan

Westpac New Zealand
1-3 business days
6.49–12.99% APR NZ$2k–NZ$50k 6–60 mo
Auto

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

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

13.9–19.9% APR NZ$2k–NZ$50k 6–60 mo
Personal

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

7.99–13.9% APR NZ$2k–NZ$50k 6–60 mo
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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