Compare Personal Loan Rates
Find the best personal loan rates from New Zealand's trusted lenders. Compare interest rates, fees, and features to find your perfect loan.
ANZ Bank
ANZ offers competitive personal loan rates with flexible terms and no monthly fees.
Monthly Payment
$783
Interest Rate
7.95%
p.a. fixed
Total Interest
$3,182
Total Payment
$28,182
Key Features
- ✓No monthly fees
- ✓Flexible repayments
- ✓Online application
Loan Details
ASB Bank
ASB provides fast personal loans with competitive rates and excellent digital experience.
Monthly Payment
$783
Interest Rate
7.95%
p.a. fixed
Total Interest
$3,182
Total Payment
$28,182
Key Features
- ✓FastCash option
- ✓No monthly fees
- ✓Mobile banking
Loan Details
Westpac
Westpac provides personal loans with fixed rates and quick approval process.
Monthly Payment
$789
Interest Rate
8.45%
p.a. fixed
Total Interest
$3,390
Total Payment
$28,390
Key Features
- ✓Quick approval
- ✓Fixed interest rates
- ✓No early repayment fees
Loan Details
Kiwibank
Kiwibank is New Zealand's bank, offering personal loans with local expertise.
Monthly Payment
$789
Interest Rate
8.45%
p.a. fixed
Total Interest
$3,390
Total Payment
$28,390
Key Features
- ✓100% New Zealand owned
- ✓Competitive rates
- ✓Personal service
Loan Details
Bank of New Zealand
BNZ offers personal loans with competitive rates and excellent customer service.
Monthly Payment
$794
Interest Rate
8.95%
p.a. fixed
Total Interest
$3,599
Total Payment
$28,599
Key Features
- ✓Online application
- ✓Flexible terms
- ✓Customer support
Loan Details
Latitude Financial
Latitude offers personal loans with quick decisions and flexible eligibility criteria.
Monthly Payment
$806
Interest Rate
9.95%
p.a. fixed
Total Interest
$4,019
Total Payment
$29,019
Key Features
- ✓Quick decisions
- ✓Flexible eligibility
- ✓Online management
Loan Details
Important: The rates and payments shown are estimates based on the minimum advertised rates. Your actual rate may be higher depending on your credit score, income, and other factors. All applications are subject to lender approval.
Why Compare Personal Loans?
Save Money
Interest rates can vary by up to 10% between lenders. Compare rates to save thousands over your loan term.
Find Better Terms
Different lenders offer different loan terms, fees, and features. Find the loan that fits your needs.
Improve Your Chances
Different lenders have different approval criteria. Compare to find lenders more likely to approve your application.
Frequently Asked Questions
How do I know which personal loan is right for me?
Consider the total cost of the loan (including fees), the monthly payment amount, loan term, and any additional features like flexible repayments or early repayment options.
Will comparing loans affect my credit score?
Using our comparison tool won't affect your credit score. Only when you formally apply with a lender will they perform a credit check that may impact your score.
Are the rates shown guaranteed?
The rates shown are based on each lender's advertised minimum rates. Your actual rate may be higher depending on your credit score, income, loan amount, and other factors.
How quickly can I get approved?
Approval times vary by lender, typically ranging from same-day to 3 business days. Some lenders offer pre-approval decisions within minutes.