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

Fast information

Properties of this loan

  • Online loans up to $50 000
  • Term 6 - 120 months

Loan requirements

  • You must be over 18
  • You must be a New Zealand citizen, resident or hold a current working VISA

About company

More information about the company Credit Union Baywide trading as NZCU Baywide

Borrow from $2,000 with interest from the 9.9 % Moread
$10,000
Loan amount $1,000 - $10,000
Interest 3.3 %
Maturity 6 - 48 months

Fast information

Properties of this loan

  • Online loans up to $10 000
  • Term 6 - 48 months

Loan requirements

  • You must be over 18
  • You must be a New Zealand citizen, resident or hold a current working VISA

About company

More information about the company Rapid Loans NZ Limited.

Borrow from $1,000 with interest from the 3.3 % Moread

BNZ

BNZ  5
$30,000
Loan amount $1,000 - $30,000
Interest 12.65 %
Maturity 3 - 60 months

Fast information

Properties of this loan

  • Online loans up to $30 000
  • Term 3 - 60 months

Loan requirements

  • Be over 18 years of age
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company Bank of New Zealand

Borrow from $1,000 with interest from the 12.65 % Moread
$200,000
Loan amount $2,000 - $200,000
Interest 9.99 %
Maturity 6 - 84 months

Fast information

Properties of this loan

  • Online loans up to $200 000
  • Term 6 - 84 months

Loan requirements

  • Be 18 years or over
  • Be a permanent NZ resident
  • Be earning a stable income

About company

More information about the company Latitude Financial Services Limited.

Borrow from $2,000 with interest from the 9.99 % Moread
$50,000
Loan amount $1,000 - $50,000
Interest 11.95 %
Maturity 12 - 60 months

Fast information

Properties of this loan

  • Online loans up to $50 000
  • Term 12 - 60 months

Loan requirements

  • Over 18
  • Employed
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company Geneva Finance Limited

Borrow from $1,000 with interest from the 11.95 % Moread
$100,000
Loan amount $1,000 - $100,000
Interest 7 %
Maturity 1 - 5 years

Fast information

Properties of this loan

  • Online loans up to $100 000
  • Term 1 - 5 years
  • Easy online application

Loan requirements

  • Be over 18 years of age
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company Avanti Finance Limited

Borrow from $1,000 with interest from the 7 % Moread
$500
Loan amount $100 - $500
Interest 36 %
Maturity 14 - 30 days

Fast information

Properties of this loan

  • Online loans up to $500
  • Term 14 - 30 days

Loan requirements

  • Over 18
  • Employed
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company SmartCash Ltd

Borrow from $100 with interest from the 36 % Moread
$80,000
Loan amount $1,000 - $80,000
Interest 16.99 %
Maturity 12 - 60 months

Fast information

Properties of this loan

  • Online loans up to $80 000
  • Term 12 - 60 months

Loan requirements

  • You must be over 18
  • You must be a New Zealand citizen, resident or hold a current working VISA

About company

More information about the company Future Finance Ltd.

Borrow from $1,000 with interest from the 16.99 % Moread
$2,000
Loan amount $250 - $2,000
Interest 40 %
Maturity 1 - 15 weeks

Fast information

Properties of this loan

  • Online loans up to $2 000
  • Term 1 - 15 weeks

Loan requirements

  • Over 18
  • Employed
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company CWL

Borrow from $250 with interest from the 40 % Moread
$158,000
Loan amount $227 - $158,000
Interest 17.95 %
Maturity 6 - 84 months

Fast information

Properties of this loan

  • Online loans up to $158 000
  • Term 6 - 84 months

Loan requirements

  • Over 18
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company Max Money Group Limited

Borrow from $227 with interest from the 17.95 % Moread
$25,000
Loan amount $500 - $25,000
Interest 7 %
Maturity 6 - 60 months

Fast information

Properties of this loan

  • Online loans up to $25 000
  • Term 6 - 60 months
  • Easy online application

Loan requirements

  • Be over 18 years of age
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company The Lending Room Limited

Borrow from $500 with interest from the 7 % Moread
$20,000
Loan amount $1,000 - $20,000
Interest 9 %
Maturity 6 - 36 months

Fast information

Properties of this loan

  • Online loans up to $20 000
  • Term 6 - 36 months

Loan requirements

  • Be over 18 years of age
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company 121 Finance Ltd.

Borrow from $1,000 with interest from the 9 % Moread
$1,000
Loan amount $100 - $1,000
Interest 252 %
Maturity 1 - 365 days

Fast information

Properties of this loan

  • Online loans up to $1 000
  • Term 1 - 365 days

Loan requirements

  • Be over 18 years of age
  • Be a citizen or permanent resident of New Zealand
  • Demonstrate a regular income and an ability to repay all loan costs

About company

More information about the company Acorn Finance 2012 Limited

Borrow from $100 with interest from the 252 % Moread
$50,000
Loan amount $2,000 - $50,000
Interest 6.99 %
Maturity 3 - 5 years

Fast information

Properties of this loan

  • Online loans up to $50 000
  • Term 3 - 5 years
  • Easy online application

Loan requirements

  • Over 18
  • Employed
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company Harmoney Limited

Borrow from $2,000 with interest from the 6.99 % Moread
$10,000
Loan amount $300 - $10,000
Interest 108 %
Maturity 91 days – 24 months

Fast information

Properties of this loan

  • Online loans up to $10 000
  • Term 91 days – 24 months

Loan requirements

  • 18 years of age
  • A New Zealand citizen or permanent resident
  • Receiving a regular income in a personal account for at least three months
  • Able to provide an active mobile number and email address

About company

More information about the company BREEZY LOANS NZ PTY LIMITED

Borrow from $300 with interest from the 108 % Moread
$10,000
Loan amount $300 - $10,000
Interest 68 %
Maturity 12 - 24 months

Fast information

Properties of this loan

  • Online loans up to $10 000
  • Term 12 - 24 months

Loan requirements

  • Be over 18 years of age
  • Have a direct contact number
  • Receive a regular income into a personal bank account for at least 90 days

About company

More information about the company Kiwi Cash

Borrow from $300 with interest from the 68 % Moread
$5,000
Loan amount $750 - $5,000
Interest 50 %
Maturity 15 - 40 weeks

Fast information

Properties of this loan

  • Online loans up to $5 000
  • Term 15 - 40 weeks

Loan requirements

  • You must be over 18
  • You must be a New Zealand citizen or resident
  • You must not be bankrupt
  • You need to be in ongoing employment, we don’t lend to self-employed or beneficiaries
  • You need an active bank account that your pay gets credited into on regular paydays
  • You need access to a computer as the application process is 100% online
  • You need an active email account
  • You must own a cell phone
  • You must complete the online application
  • You must pass our employer checks

About company

More information about the company Moola.co.nz Limited

Borrow from $750 with interest from the 50 % Moread
$3,000
Loan amount $500 - $3,000
Interest 18 %
Maturity 3 - 12 months

Fast information

Properties of this loan

  • Online loans up to $5 000
  • Term 3 - 12 months

Loan requirements

  • You need to be at least 18 years old and a NZ citizen or resident currently living in New Zealand
  • You need to have been permanently employed with the same employer for at least 3 months
  • For our loans, you need to be earning at least $350 a week (after tax) excluding government benefits
  • Your pay needs to be credited on a regular basis into your own NZ bank account that has been open for at least 3 months
  • You are not currently Bankrupt, under a No Asset Procedure or Summary Instalment Order
  • You have access to the Internet and a mobile phone

About company

More information about the company Zethus Holdings Limited.

Borrow from $500 with interest from the 18 % Moread
$20,000
Loan amount $200 - $20,000
Interest 29.95 %
Maturity 3 - 36 months

Fast information

Properties of this loan

  • Online loans up to $20 000
  • Term 3 - 36 months

Loan requirements

  • Photo ID (valid Passport, Drivers Licence, or Kiwi Access/18+ Card with your Birth Certificate)
  • Proof of address (an official letter/utility bill delivered to you at your residential address within the last 3 months)
  • If you have internet banking, then we will ask you to complete a secure Credit Sense link to provide us with details of your bank statements
  • otherwise we will need you to bring
  • Proof of income (a recent pay slip or WINZ letter detailing your current benefit details)
  • 3 months of your latest statements from all bank accounts showing income and out-goings Your vehicle (we will need to see it and assess its value if you want to use it for security) and look at any insurance policy for it If using household goods as security, we will ask for a copy of your tenancy agreement and arrange a convenient time for one of our agents to meet with you to complete a valuation

About company

More information about the company Instant Finance

Borrow from $200 with interest from the 29.95 % Moread
$50,000
Loan amount $1,000 - $50,000
Interest 23.95 %
Maturity 6 - 60 months

Fast information

Properties of this loan

  • Online loans up to $50 000
  • Term 6 - 60 months

Loan requirements

About company

More information about the company Admiral Finance

Borrow from $1,000 with interest from the 23.95 % Moread
$3,000
Loan amount $500 - $3,000
Interest 49.45 %
Maturity 3 - 12 months

Fast information

Properties of this loan

  • Online loans up to $3 000
  • Term 3 - 12 months

Loan requirements

  • You need to be at least 18 years old and a NZ citizen or resident currently living in New Zealand
  • You need to have been permanently employed with the same employer for at least 3 months
  • For our loans, you need to be earning at least $350 a week (after tax) excluding government benefits
  • Your pay needs to be credited on a regular basis into your own NZ bank account that has been open for at least 3 months
  • You are not currently Bankrupt, under a No Asset Procedure or Summary Instalment Order
  • You have access to the Internet and a mobile phone

About company

More information about the company Zethus Holdings Limited

Borrow from $500 with interest from the 49.45 % Moread
$10,000
Loan amount $200 - $10,000
Interest 26 %
Maturity 52 - 156 weeks

Fast information

Properties of this loan

  • Online loans up to $10 000
  • Term 52 - 156 weeks

Loan requirements

  • Be over 18 years of age
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company QuickCash Finance Limited

Borrow from $200 with interest from the 26 % Moread
$5,000
Loan amount $400 - $5,000
Interest 49.95 %
Maturity 6 - 26 weeks

Fast information

Properties of this loan

  • Online loans up to $5 000
  • Term 6 - 26 weeks

Loan requirements

About company

More information about the company Teensy

Borrow from $400 with interest from the 49.95 % Moread
$50,000
Loan amount $1,000 - $50,000
Interest 15.95 %
Maturity 6 - 60 months

Fast information

Properties of this loan

  • Online loans up to $50 000
  • Term 6 - 60 months

Loan requirements

  • You must be able to offer something as collateral or security for all loans. We only offer secured loans. We will consider most things
  • household items such as whiteware and electronic goods ( TVs and stereos), vehicles, property or land. If you don’t have any security, we are happy for a friend or family member to act as your guarantor to provide security on your behalf
  • You need to be over 21 (unless you have a suitable guarantor who is over 21)
  • You should have a reasonable credit history
  • You must be able to make the payments on your loan
  • You must live in NZ and be a NZ Resident or NZ Citizen (or have guarantors who are)

About company

More information about the company Admiral Finance Limited

Borrow from $1,000 with interest from the 15.95 % Moread
$50,000
Loan amount $300 - $50,000
Interest 30 %
Maturity 1 - 60 months

Fast information

Properties of this loan

  • Online loans up to $50 000
  • Term 1 - 60 months

Loan requirements

  • Over 18
  • Employed
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company Easy Financing Pty Ltd

Borrow from $300 with interest from the 30 % Moread
$5,000
Loan amount $400 - $5,000
Interest 34.95 %
Maturity 4 weeks - 3 years

Fast information

Properties of this loan

  • Online loans up to $5 000
  • Term 4 weeks - 3 years

Loan requirements

  • Be 18 years or over
  • Be a permanent NZ resident
  • Be earning a stable income

About company

More information about the company Acorn Finance 2012 Limited

Borrow from $400 with interest from the 34.95 % Moread
$50,000
Loan amount $5,000 - $50,000
Interest 8.95 %
Maturity 2 - 7 years

Fast information

Properties of this loan

  • Online loans up to $50 000
  • Term 2 - 7 years

Loan requirements

  • Must be earning min. $500/pw
  • Any valid NZ drivers licence

About company

More information about the company Car Finance 2U Limited

Borrow from $5,000 with interest from the 8.95 % Moread
$5,000
Loan amount $300 - $5,000
Interest 167.9 %
Maturity 4 - 12 weeks

Fast information

Properties of this loan

  • Online loans up to $5 000
  • Term 4 - 12 weeks

Loan requirements

  • Are you 18 years old or over
  • Are you a NZ/AU citizen or resident or hold a valid work visa
  • Are you working full-time or part-time with a minimum of three months tenure with your current employer
  • Do you have a valid photo ID (only NZ driving license or any passport accepted)
  • Do you receive minimum net income of over NZD 300 per week
  • Do you have access to internet banking (mandatory if you are applying for more than $1500)
  • Do you have a valid active email address and mobile number
  • Do you not owe money on any existing high-cost loan
  • Do you not owe money on any high-cost loan within last 15 days
  • Do you not have taken two or more high-cost loans in the last 90 days

About company

More information about the company Seed Credit Limited

Borrow from $300 with interest from the 167.9 % Moread

        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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