Personal loans

Get to where you want to be with the help of a personal loan. See New Zealand's leading personal loan offers on the market to help you save money and time today.
For more offers, including targeted and exclusive offers, login today.

Interest rates and repayment amounts are supplied by the provider based on a $10,000 loan over a 5 year term.

13 results found
Show:
  • 10
  • 25
  • 50
NZCU Baywide
Secured loan
Sort your debt from 17.90% p.a.*
Consolidating your debt at a rate from 17.90% p.a.* could save you money on interest, reduce your weekly repayments or help you pay it off quicker.
Interest rate
From 17.90% p.a.
Minimum loan amount
$2,000
Monthly repayment
$253.47
Product disclaimer
*Variable interest rate. Terms and conditions and normal lending criteria apply. A $250 approval fee and other fees apply. Comparison rate and monthly repayment amount are calculated based on a $10,000 loan amount, variable rate over a 5 year loan period at an interest rate of 17.90% p.a. and are indicative only. This calculation is intended as a guide only and is not an offer of finance from NZCU Baywide. All interest rates and fees are subject to change.
Nectar
One of NZ's highest customer rated loan providers*
Whether it’s for a new car, consolidating debt, emergency expenses or that well-earned holiday - Nectar money is smarter. You can get a competitive loan offer in 7 minutes & up to $15K in your bank the same day. Push button get loan.TM

Interest rate
From 11.95% p.a.
Minimum loan amount
$1,000
Monthly repayment
$173.92 (based on $5k for a 36 month term)
Product disclaimer
*Based on reviews conducted by Feefo, an independent Service Rating Agency. ^Subject to terms, restrictions, and eligibility requirements available at https://nectar.co.nz/privacy-policy/. Nectar’s repayment terms are from 6 month up to 3 years. Repayments can be made weekly, fortnightly or monthly depending on your pay cycle. Plus, you can repay your loan in full at any time to eliminate future interest payments; there's never a prepayment penalty or fee. Interest rates are based on your unique profile, and range between 11.95% and 29.95%. Nectar’s lending criteria apply. You pay a one-time establishment fee of $240.
NZCU Baywide
Unsecured loan
Sort your debt with a NZCU Baywide unsecured loan.
Get a better deal with NZCU Baywide. Apply now.
Interest rate
From 11.90% p.a.
Minimum loan amount
$2,000
Monthly repayment
$221.99
Product disclaimer
*Variable interest rate. Terms and conditions and normal lending criteria apply. A $250 approval fee and other fees apply. Comparison rate and monthly repayment amount are calculated based on a $10,000 loan amount, variable rate over a 5 year loan period at an interest rate of 11.90% p.a. and are indicative only. This calculation is intended as a guide only and is not an offer of finance from NZCU Baywide. All interest rates and fees are subject to change.
Lending Crowd
Low-interest loan? We’re interested in that!
Whatever dream you’re dreaming, if you need a personal loan the Lending Crowd can help, with a quick and easy online process.
Interest rate
From 6.89% p.a. up to 18.96% p.a.
Minimum loan amount
$2,000
Monthly repayment
$211.60
Product disclaimer
Terms, conditions and normal credit criteria apply. A platform fee minimum of $250 to a maximum of $1,450 will apply based on loans of $2,000 to a maximum of $200,000.
Loan Spot
Personal finance for just about anything you need
Take control of your borrowing with a loan personalised to your needs. We specialise in helping Kiwis get the lending they need, fast and on flexible terms.
Interest rate
From 9.95% p.a.
Minimum loan amount
$3,000
Monthly repayment
$212
Product disclaimer
Monthly repayment calculation is based on $10,000 over a 5 year term at an example rate of 9.95% p.a. The actual interest rate charged to you will depend on your personal circumstances, the type of lending required and the security provided. Normal lending criteria, terms, conditions and fees apply, including an establishment fee of $276.
NZCU Baywide
Secured loan
Sort your debt with a NZCU Baywide secured loan.
Consolidating your debt could save you money on interest, reduce your weekly repayments or help you pay it off quicker.
Interest rate
From 13.90% p.a.
Minimum loan amount
$2,000
Monthly repayment
$232.22
Product disclaimer
*Variable interest rate. Terms and conditions and normal lending criteria apply. A $250 approval fee and other fees apply. Comparison rate and monthly repayment amount are calculated based on a $10,000 loan amount, variable rate over a 5 year loan period at an interest rate of 13.90% p.a. and are indicative only. This calculation is intended as a guide only and is not an offer of finance from NZCU Baywide. All interest rates and fees are subject to change.
NZCU Baywide
Secured loan
Sort your debt with a 5-star personal loan.*
NZCU Baywide’s debt consolidation loan secured from 9.90% p.a.* Get a better deal with Baywide. Apply now.
Interest rate
From 9.90% p.a
Minimum loan amount
$2,000
Monthly repayment
$211.98
Product disclaimer
*Variable interest rate. Terms and conditions and normal lending criteria apply. A $250 approval fee and other fees apply. Comparison rate and monthly repayment amount are calculated based on a $10,000 loan amount, variable rate over a 5 year loan period at an interest rate of 9.90% p.a. and are indicative only. This calculation is intended as a guide only and is not an offer of finance from NZCU Baywide. All interest rates and fees are subject to change. CANSTAR 5 star rating has been awarded for our orange personal loan rates.
NZCU Baywide
Unsecured loan
Sort your debt with a NZCU Baywide unsecured loan.
Consolidating your debt at a rate from 15.90% p.a.* could save you money on interest, reduce your weekly repayments or help you pay it off quicker.
Interest rate
From 15.90% p.a.
Minimum loan amount
$2,000
Monthly repayment
$242.72
Product disclaimer
*Variable interest rate. Terms and conditions and normal lending criteria apply. A $250 approval fee and other fees apply. Comparison rate and monthly repayment amount are calculated based on a $10,000 loan amount, variable rate over a 5 year loan period at an interest rate of 15.90% p.a. and are indicative only. This calculation is intended as a guide only and is not an offer of finance from NZCU Baywide. All interest rates and fees are subject to change.
Harmoney
Borrow the smart way with Harmoney and get your credit rating really working for you
Harmoney is NZ’s first licensed peer-to-peer lending marketplace. It connects people who want to borrow money with people ready to lend. Apply when you want, where you want, on your terms - and without any uncomfortable face-to-face meetings.
Interest rate
From 6.99% p.a.
Minimum loan amount
$2,000
Monthly repayment
$207.86
Product disclaimer
Subject to approval and funding. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.
NZCU South
Secured loan
Personal Loans available from 9.95% p.a.
Everyone has a goal that they are working towards. Whether it’s to consolidate debt, purchase a car, go on holiday or pay for your wedding, NZCU South can help make your wish come true. Apply online today.
Interest rate
9.95% p.a.
Minimum loan amount
$5,000
Monthly repayment
$212.22
Product disclaimer
Loans rates from 9.95% p.a. Important terms and conditions, including lending criteria, fees and charges apply.  Minimum loan value $5,000 for the 9.95% p.a. rate. Other rates available for loans $1,000 - $4,999.  Finance provided by Credit Union South, trading as NZCU South.
The Co-operative Bank
Personalised rates based on your credit history.
Need money for a holiday, new car, wedding venue or to get those home renovations underway?

Apply for a Co-operative Bank personal loan online today.
Interest rate
From 6.99% p.a.
Minimum loan amount
$3,000
Monthly repayment
$198.00
Product disclaimer
Interest rates are variable, and range from 6.99% p.a. to 19.5% p.a. the interest rate is based on factors such as the applicant’s credit bureau score, credit history, employment status and income. Repayment amount is calculated at 6.99% p.a. for a $10,000 loan amount over a term of five years. The Co-operative Bank Limited lending criteria and fees apply.
Loan Hub
Unsecured loan
The Hub for all your Personal Loan Requirements
We’re experts in personal lending; we’ve been doing this for over 10 years; we’re fast, fuss-free and friendly, and committed to lending to Kiwis on terms that are affordable for their current needs.
Interest rate
From 9.95% p.a.
Minimum loan amount
$3,000
Monthly repayment
$212
Product disclaimer
Monthly repayment calculation is based on $10,000 over a 5 year term at an example rate of 9.95% p.a. The actual interest rate charged to you will depend on your personal circumstances, the type of lending required and the security provided. Normal lending criteria, terms, conditions and fees apply, including an establishment fee of $276.
Finance Direct
Debt consolidation? A new car? Your dream holiday?
Whatever you’re dreaming, if you need a personal loan Finance Direct can help, with a quick and easy same day process.
Interest rate
From 9.95% p.a.
Minimum loan amount
$2,000
Monthly repayment
$227.82
Product disclaimer
Terms, conditions and normal credit criteria apply. Documentation fee minimum of $250 to a maximum of $1,450 will apply based on loans of $2,000 to a maximum of $500,000.

See your credit score instantly - it's free, forever with creditsimple.co.nz.

Complete your registration now and join more than a million Aussies and Kiwis who have registered to see their credit score and information for free.

Join now
Live your best financial life