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

        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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