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

4.19–6.39%

Mortgage

6–360 months

SBS Bank offers competitive home loan options, making it a viable choice for many New Zealanders. However, potential borrowers should carefully consider their lending criteria and fees.

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SBS Bank

SBS Bank Personal Loan

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

APR

11.5–15.5%

Personal

NZ$1k–NZ$30k 6–60 months ⚡ 1-3 business days

SBS Bank's personal loan provides a straightforward option for those needing cash quickly, but the interest rates may not be the most competitive.

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ASB Bank

ASB Car Loan

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

12.95%

Auto

NZ$2k–NZ$50k 6–84 months ⚡ 1-3 business days

ASB's car loan is a straightforward option for those looking to finance a vehicle, but the interest rate may be high for some borrowers.

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BNZ

BNZ Personal Loan

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

APR

13.9–19.9%

Personal

NZ$2k–NZ$50k 6–60 months

BNZ's personal loan is a viable option for those needing a significant amount of cash quickly, but rates can be steep.

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Westpac New Zealand

Westpac Car Loan

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

APR

6.49–12.99%

Auto

NZ$2k–NZ$50k 6–60 months ⚡ 1-3 business days

This loan provides straightforward financing for car buyers but comes with a higher interest rate compared to competitors.

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Westpac

Westpac Personal Loan

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

APR

7.99–13.9%

Personal

NZ$2k–NZ$50k 6–60 months

With flexible borrowing options, Westpac's personal loan is ideal for various financial needs, though the standard rate is on the higher side.

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MTF Finance

MTF Finance Car Loan

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

APR

8.95–19.95%

Auto

NZ$2k–NZ$100k 12–84 months ⚡ Same day decision

MTF Finance provides competitive car loan options for those looking to finance a vehicle, with flexible terms and quick approvals.

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Kiwibank

Kiwibank Personal Loan

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

APR

12.99–18.99%

Personal

NZ$2k–NZ$30k 12–60 months

Kiwibank's personal loans provide a solid option for those who prefer a locally owned bank with a straightforward application process.

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ANZ New Zealand

ANZ Car Loan

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

APR

13.9%

Auto

NZ$3k–NZ$50k 6–84 months ⚡ Within 5 business days

The ANZ Car Loan is straightforward with a fixed rate, but its APR might be high for some borrowers.

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Instant Finance

Instant Finance Personal Loan

Best for borrowers needing quick access to cash with flexible repayment terms of 3 to 84 months.

APR

9.95–29.95%

Personal

NZ$500–NZ$50k 3–84 months

This loan option provides a wide range of amounts and terms, but the high interest rates may not suit everyone.

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AA Money

AA Money Car Loan

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

APR

9.4–12.15%

Auto

NZ$5k–NZ$75k 12–60 months ⚡ Quick online application

AA Money's car loan options cater well to a variety of borrowers, but the interest rates may be higher than some competitors.

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The Co-operative Bank

The Co-operative Bank Personal Loan

Best suited for those needing a personal loan between $1,000 and $50,000 with flexible terms.

APR

9.95–17.75%

Personal

NZ$1k–NZ$50k 6–60 months

With rates starting at 9.95% p.a., this loan is an appealing option for many borrowers.

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Harmoney

Harmoney Car Loan

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

7.99–24.99%

Auto

NZ$2k–NZ$100k 36–84 months ⚡ Rate check with no credit score impact

Harmoney's car loan is a viable option for borrowers looking for flexible borrowing terms and competitive rates.

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ANZ

ANZ Personal Loan

APR

13.9%

Personal

NZ$3k–NZ$50k 6–84 months ⚡ Decision within 5 business days, same-day funding once approved

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Instant Finance

Instant Finance Car Loan

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

APR

9.95–29.95%

Auto

NZ$2k–NZ$50k 12–84 months ⚡ Fast online approval

Instant Finance provides a straightforward car loan option, but borrowers should be cautious of the higher interest rates.

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Harmoney

Harmoney Personal Loan

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

APR

7.99–24.99%

Personal

NZ$2k–NZ$100k 36–84 months ⚡ Quote in minutes, funding can be as fast as 9 minutes

Harmoney offers a flexible personal loan option for those looking to consolidate debt or finance personal projects. However, borrowers should consider their creditworthiness before applying.

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