Calculate your personal loan repayments and compare rates from New Zealand's leading lenders. Get instant estimates and find the best loan for your needs.
Between $1,000 - $100,000
Between 1 - 7 years
Get personalized quotes in minutes
Our personal loan calculator helps you understand how much your loan will cost before you apply. By entering your desired loan amount and term, you can instantly see monthly repayment estimates from top New Zealand lenders.
The calculator shows you three key pieces of information:
The actual interest rate you receive will depend on several factors:
Compare personalized rates from New Zealand's top lenders and find the best loan for your situation. Free service, fast approval, and no obligation.
The calculator provides estimates based on current advertised rates. Your actual rate and repayment amount may differ based on your personal circumstances and credit assessment.
The calculator shows the principal and interest components of your loan. Additional fees like establishment fees, monthly account fees, or early repayment fees may apply depending on the lender.
Most lenders allow early repayment, though some may charge early repayment fees. Making extra repayments can significantly reduce the total interest you pay over the life of your loan.
Our calculator uses standard loan calculation formulas and current market rates to provide accurate estimates. However, your actual repayment will depend on the specific rate and terms you're approved for.
Important: This calculator is for illustration purposes only and does not constitute a quote or pre-approval for credit. The rates shown are indicative and based on each lender's advertised rates. Your actual rate may vary based on your credit assessment. Always read the terms and conditions before applying for any financial product.