Compare personal loans

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

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From vetted lenders
APR and fees explained

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

Best for: Best suited for ASB account holders needing a quick loan for a new or used vehicle with flexible terms from 6 to 84 months.

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

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

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

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

APR 4.19–6.39%
6–360 mo
mortgage

Best for: 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.

APR 6.49–12.99%
6–60 mo 1-3 business days

Westpac New Zealand

Westpac Car Loan

NZ$2k–NZ$50k car_finance

Best for: Ideal for NZ residents looking for fixed-rate car loans with flexible terms and quick approval.

APR 7.99–13.9%
6–60 mo
NZ$2k–NZ$50k personal

Best for: Best for those seeking lower rates for electric vehicle financing, as well as borrowers needing larger sums up to $50,000.

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

Best for: This loan is ideal for NZ residents aged 18 and over who have a regular income and need quick access to vehicle financing.

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

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

APR 13.9%
6–84 mo Within 5 business days

ANZ New Zealand

ANZ Car Loan

NZ$3k–NZ$50k car_finance

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

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

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

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

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

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

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

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

Best for: 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.

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

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

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

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

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

Best for: This loan is best for borrowers who are NZ citizens or permanent residents and have a steady income, looking for a manageable loan amount.

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