Personal Loans

        Personal Loans in New Zealand

A personal loan is an amount – usually up to around $100,000 – that you borrow from a bank, credit union or lending institution as a lump sum or line of credit.

$50,000
Loan amount $2,000 - $50,000
Interest 9.9 %
Maturity 6 - 120 months
$10,000
Loan amount $1,000 - $10,000
Interest 3.3 %
Maturity 6 - 48 months

BNZ

BNZ  5
$30,000
Loan amount $1,000 - $30,000
Interest 12.65 %
Maturity 3 - 60 months
$200,000
Loan amount $2,000 - $200,000
Interest 9.99 %
Maturity 6 - 84 months
$50,000
Loan amount $1,000 - $50,000
Interest 11.95 %
Maturity 12 - 60 months
$100,000
Loan amount $1,000 - $100,000
Interest 7 %
Maturity 1 - 5 years
$500
Loan amount $100 - $500
Interest 36 %
Maturity 14 - 30 days
$80,000
Loan amount $1,000 - $80,000
Interest 16.99 %
Maturity 12 - 60 months
$2,000
Loan amount $250 - $2,000
Interest 40 %
Maturity 1 - 15 weeks
$158,000
Loan amount $227 - $158,000
Interest 17.95 %
Maturity 6 - 84 months
$25,000
Loan amount $500 - $25,000
Interest 7 %
Maturity 6 - 60 months
$20,000
Loan amount $1,000 - $20,000
Interest 9 %
Maturity 6 - 36 months
$1,000
Loan amount $100 - $1,000
Interest 252 %
Maturity 1 - 365 days
$50,000
Loan amount $2,000 - $50,000
Interest 6.99 %
Maturity 3 - 5 years
$10,000
Loan amount $300 - $10,000
Interest 108 %
Maturity 91 days – 24 months
$10,000
Loan amount $300 - $10,000
Interest 68 %
Maturity 12 - 24 months
$5,000
Loan amount $750 - $5,000
Interest 50 %
Maturity 15 - 40 weeks
$3,000
Loan amount $500 - $3,000
Interest 18 %
Maturity 3 - 12 months
$20,000
Loan amount $200 - $20,000
Interest 29.95 %
Maturity 3 - 36 months
$50,000
Loan amount $1,000 - $50,000
Interest 23.95 %
Maturity 6 - 60 months
$3,000
Loan amount $500 - $3,000
Interest 49.45 %
Maturity 3 - 12 months
$10,000
Loan amount $200 - $10,000
Interest 26 %
Maturity 52 - 156 weeks
$5,000
Loan amount $400 - $5,000
Interest 49.95 %
Maturity 6 - 26 weeks
$50,000
Loan amount $1,000 - $50,000
Interest 15.95 %
Maturity 6 - 60 months
$50,000
Loan amount $300 - $50,000
Interest 30 %
Maturity 1 - 60 months
$5,000
Loan amount $400 - $5,000
Interest 34.95 %
Maturity 4 weeks - 3 years
$50,000
Loan amount $5,000 - $50,000
Interest 8.95 %
Maturity 2 - 7 years
$5,000
Loan amount $300 - $5,000
Interest 167.9 %
Maturity 4 - 12 weeks
$200,000
Loan amount $2,000 - $200,000
Interest 5.03 %
Maturity 2 – 5 years
$50,000
Loan amount $1,000 - $50,000
Interest 19.95 %
Maturity 1 – 12 months
$25,000
Loan amount $1,000 - $25,000
Interest 0 %
Maturity 1 – 6 months
$50,000
Loan amount $1,000 - $50,000
Interest 19.95 %
Maturity 1 – 12 months
$150,000
Loan amount $1,000 - $150,000
Interest 0 %
Maturity 1 – 12 months
$50,000
Loan amount $1,000 - $50,000
Interest 12.95 %
Maturity 1 – 12 months
$20,000
Loan amount $500 - $20,000
Interest 19.95 %
Maturity 1 – 12 months
$20,000
Loan amount $1,000 - $20,000
Interest 16.9 %
Maturity 1 – 12 months
$50,000
Loan amount $8,000 - $50,000
Interest 20.95 %
Maturity 1 – 12 months
$60,000
Loan amount $8,000 - $60,000
Interest 19.95 %
Maturity 1 – 12 months
$10,000
Loan amount $500 - $10,000
Interest 12.9 %
Maturity 1 – 12 months
$10,000
Loan amount $500 - $10,000
Interest 12.9 %
Maturity 1 – 12 months
$20,000
Loan amount $500 - $20,000
Interest 25.99 %
Maturity 1 – 12 months
$20,000
Loan amount $500 - $20,000
Interest 25.95 %
Maturity 1 – 12 months
$20,000
Loan amount $500 - $20,000
Interest 22.95 %
Maturity 1 – 12 months
$20,000
Loan amount $500 - $20,000
Interest 12.9 %
Maturity 1 – 12 months
$20,000
Loan amount $500 - $20,000
Interest 12.9 %
Maturity 1 – 12 months
$50,000
Loan amount $8,000 - $50,000
Interest 18.95 %
Maturity 1 – 12 months
$20,000
Loan amount $8,000 - $20,000
Interest 13.95 %
Maturity 1 – 12 months
$20,000
Loan amount $1,000 - $20,000
Interest 20.95 %
Maturity 1 – 12 months
$50,000
Loan amount $500 - $50,000
Interest 20.95 %
Maturity 1 – 12 months
$50,000
Loan amount $1,000 - $50,000
Interest 13.95 %
Maturity 6 - 60 months
$50,000
Loan amount $1,000 - $50,000
Interest 20.95 %
Maturity 1 – 12 months
$50,000
Loan amount $500 - $50,000
Interest 20.95 %
Maturity 1 – 12 months
$50,000
Loan amount $1,000 - $50,000
Interest 19.95 %
Maturity 1 – 12 months
$100,000
Loan amount $8,000 - $100,000
Interest 19.95 %
Maturity 1 – 12 months
$10,000
Loan amount $1,000 - $10,000
Interest 13.5 %
Maturity 1 – 12 months
$20,000
Loan amount $500 - $20,000
Interest 18.5 %
Maturity 1 – 12 months
$20,000
Loan amount $500 - $20,000
Interest 20.95 %
Maturity 1 – 12 months
$100,000
Loan amount $10,000 - $100,000
Interest 20.95 %
Maturity 1 – 12 months
$100,000
Loan amount $18,000 - $100,000
Interest 16.95 %
Maturity 1 – 12 months
$20,000
Loan amount $500 - $20,000
Interest 20.95 %
Maturity 1 – 12 months
$20,000
Loan amount $500 - $20,000
Interest 12.9 %
Maturity 1 – 12 months
$20,000
Loan amount $500 - $20,000
Interest 20.95 %
Maturity 1 – 12 months
$100,000
Loan amount $10,000 - $100,000
Interest 20.95 %
Maturity 1 – 12 months
$100,000
Loan amount $18,000 - $100,000
Interest 16.95 %
Maturity 1 – 12 months
$30,000
Loan amount $500 - $30,000
Interest 20.95 %
Maturity 1 – 12 months
$15,000
Loan amount $1,500 - $15,000
Interest 22.9 %
Maturity 1 – 12 months
$50,000
Loan amount $500 - $50,000
Interest 18.95 %
Maturity 1 – 12 months

        Personal Loans in New Zealand

The loan amount is then repaid over the term of the loan, which is often up to seven years. The repayment amounts generally include interest charges expressed as an interest rate so you pay back more than you initially borrowed. 

What can I use a personal loan for?

There are many reasons why personal loans are used. A few of those reasons include:

Types of personal loans

Because there are so many different reasons why people use personal loans, there are different types of personal loans to suit people's individual needs. 

Features of personal loans

When choosing a personal loan, its important to understand and choose features that suit your needs. 

You are spoiled for choice when it comes to choosing a loan so be sure to check that the features of a loan suit your needs. The cheapest option might not always be best if it doesn’t include the features you are wanting. 


Personal Loans in New Zealand rating: 4.5/5 from 167 votes.

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