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Personal loan

This page includes coverage of Debt Consolidation loans.

Only published interest rates or interest rate ranges are shown on this page. Most lenders also charge one-time establishment fees, plus often they will charge monthly account administrative fees on top of the interest rate. These costs can push the effective cost of credit (debt) up significantly. We recommend you find out three core things before you enter into any financial commitment. 1.) the net amount you will receive in you hand from this loan, 2.) the total amount of each payment, and 3.) the number of payments you will be required to make, and how often (ie: weekly, fortnightly, monthly). Then you should enter this information in this calculator. It will show the effective cost of the debt you are committing to.

Banks

Institution Product Plan Notes Interest rate %
ANZPersonal LoanUnsecured$3,000 to $50,00013.90
ASBPersonal LoanSecured13.90
Personal LoanUnsecured13.90
Debt ConsolidationUnsecured13.90
BNZAdvanced Unsecured12.90
Campus Pack AdvancedUnsecured12.65
Graduate Pack AdvancedUnsecured12.65
Co-operative BankPersonal LoanUnsecuredTo17.75
Personal LoanUnsecuredFrom8.99
Heartland BankYouChoose OverdraftUnsecured10.00
Personal LoanUnsecuredTo15.95
Personal LoanUnsecuredFrom8.95
KiwibankPersonal LoanUnsecured18.95
Personal Loan - Graduate packUnsecured$2,000-$15,00013.95
Home Loan CustomersUnsecured13.95
SBS Bank.Personal loanSecured13.85
TSB BankPersonal loanUnsecuredfrom12.95
Overdraft facilitiesUnsecuredFrom15.39
WestpacPersonal LoanUnsecuredFrom13.90
Graduate LoanUnsecuredTo14.00

Peer-to-Peer

Institution Product Plan Notes Interest rate %
Squirrel MoneyCredit Grade AUnsecured8.95
Credit Grade BUnsecured11.45
Credit Grade CUnsecured12.95
Credit Grade DUnsecured15.95
Homeowner's loan; 1 YearUnsecured8.00
Homeowner's loan; 2 - 3 YearsUnsecured8.00
Homeowner's loan; 5 - 7 YearsUnsecured7.75

Building Societies

Institution Product Plan Notes Interest rate %
Nelson Bldg SocietyPersonal LoanSecured16.00

Credit Unions

Institution Product Plan Notes Interest rate %
First CUPersonal LoanUnsecuredTo18.00
Personal LoanSecuredFrom10.95
Police CUStandardSecured10.50
UnityMoneyPersonal LoanSecuredYellow, from 17.90
Personal LoanUnsecuredOrange 24.90
Personal LoanSecuredOrange 21.90
Personal LoanUnsecuredYellow, to 22.90
Personal LoanUnsecuredYellow, from 20.90
Personal LoanSecuredYellow, to 19.90
Personal LoanSecuredGreen, from9.90
Personal LoanUnsecuredBlue, to18.90
Personal LoanUnsecuredBlue, from 16.90
Personal LoanSecuredBlue, to15.90
Personal LoanSecuredBlue, from 13.90
Personal LoanUnsecuredGreen, to14.90
Personal LoanUnsecuredGreen, from12.90
Personal LoanSecuredGreen, to11.90

Finance Companies

Institution Product Plan Notes Interest rate %
AA MoneyPersonal LoanSecuredFrom 10.45
Personal LoanSecuredTo18.95
Admiral FinancePersonal LoansSecuredTo23.95
Personal LoansSecuredFrom13.95
Advaro FinancePersonal LoanSecuredTo19.95
Personal LoanSecuredFrom10.95
Aotea FinancePersonal LoanSecuredTo32.50
Personal LoanSecuredFrom22.50
Avanti FinancePersonal LoanUnsecuredFrom14.95
Personal LoanUnsecuredTo27.95
Diners ClubPersonal LoanUnsecured17.80
Finance DirectPersonal Loan SecuredTo24.60
Personal Loan SecuredFrom11.95
Finance Now Personal LoanSecuredTo29.95
Personal LoanSecuredFrom11.95
Financial Holdings Personal LoanUnsecuredTo24.95
Personal LoanSecuredFrom12.95
Future FinancePersonal LoanSecuredFrom9.95
Personal LoanSecuredTo28.99
GemPersonal LoanUnsecuredto29.99
Personal LoanUnsecuredfrom9.99
Personal LoanSecuredto28.99
Personal LoanSecuredfrom8.99
Geneva FinancePersonal LoanSecuredTo28.95
Personal LoanSecuredFrom12.95
Gilrose FinancePersonal LoanSecuredTo22.50
Personal LoanSecuredFrom 9.95
HarmoneyPersonal LoanUnsecuredTo24.99
Personal LoanUnsecuredFrom9.99
Personal LoanSecuredFrom9.89
Personal LoanSecuredTo21.49
Instant FinancePersonal LoansUnsecuredTo29.95
Personal LoansUnsecuredFrom12.95
MTF FinancePersonal LoanSecured by carTo23.70
Personal LoanSecured by carFrom11.45
Personal LoanUnsecuredTo24.20
Personal LoanUnsecuredFrom14.05
Mutual Credit FinancePersonal LoanUnsecuredFrom13.85
Personal LoanUnsecuredTo23.85
NZ LoanPersonal LoanDebt ConsolidationFrom13.50
Personal LoanSecuredFrom13.50
Personal LoanUnsecuredFrom16.00
Nectar Personal LoanUnsecuredFrom11.95
Personal LoanUnsecuredTo29.95
Nova Medical FinancePersonal loanUnsecuredTo17.50
Personal loanUnsecuredFrom12.90
Paraloanfor people with physical disabilitiesUnsecuredFrom (limited to $10,000)10.60
for people with physical disabilitiesSecuredFrom8.50
Pronto FinancePersonal LoanSecuredFrom11.97
Personal LoanSecuredTo29.97
Quick Cash Finance Personal LoanUnsecured26.00
Personal LoanSecured26.00
Thorn FinancePersonal LoanUnsecuredTo22.95
Personal LoanUnsecuredFrom14.95
Personal LoanSecuredTo17.95
Personal LoanSecuredFrom9.95
Toyota Financial ServicesPersonal LoanSecuredFrom 12.95
Personal LoanSecuredTo19.95