We compare rates, terms, and eligibility across dozens of lenders — so you can borrow with confidence. Independent reviews, no hidden fees.
Trusted by borrowers worldwide
Personal
12.99–18.99%
NZ$2k–NZ$30k
12–60 mo
Best for: Best suited for borrowers looking for flexible loan amounts and terms, with the added benefit of supporting a New Zealand-owned institution.
Mortgage
4.19–6.39%
6–360 mo
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.
Residential home loans typically need at least 20% equity · Residential investing lending typically needs at least 30% equity · First Home Loans can be available with at least 5% equity
Auto
12.95%
NZ$2k–NZ$50k
6–84 mo
1-3 business days
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.
NZ resident · Aged 18+ · ASB account holder
Consolidation
9.95–29.95%
NZ$500–NZ$50k
3–84 mo
Money within 24 hours of approval
Best for: This loan is best for individuals looking to simplify their finances by consolidating high-interest debts into one manageable payment.
Credit assessment based on income and overall financial situation
Personal
13.9%
NZ$3k–NZ$50k
6–84 mo
Decision within 5 business days, same-day funding once approved
Best for: Individuals with a stable income looking to borrow between NZ$3,000 and NZ$50,000 for personal purposes.
At least 18 years old · Regular income · Enough money left after expenses for repayments
Auto
8.55–11.7%
NZ$5k–NZ$100k
12–60 mo
Apply online or through dealer network
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.
NZ citizen or permanent resident · Age 18+ · Regular income
Personal
9.95–17.75%
NZ$1k–NZ$50k
6–60 mo
Best for: Individuals with good credit scores seeking personal loans for various purposes.
Auto
7.99–24.99%
NZ$2k–NZ$100k
36–84 mo
Rate check with no credit score impact
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.
NZ or Australian citizen · No defaults on credit file · Full-time or permanent part-time employment
Personal
7.99–24.99%
NZ$2k–NZ$100k
36–84 mo
Quote in minutes, funding can be as fast as 9 minutes
Best for: This loan is best for individuals seeking quick access to funds with minimal paperwork, particularly those with good to excellent credit.
At least 18 years old · NZ citizen, permanent resident, or Australian citizen · No defaults on credit file
Auto
13.9%
NZ$3k–NZ$50k
6–84 mo
Within 5 business days
Best for: Ideal for those seeking a reliable lender with no application fees and quick approval times.
NZ resident · Aged 18+ · Regular income
Personal
7.99–13.9%
NZ$2k–NZ$50k
6–60 mo
Best for: Best for those seeking lower rates for electric vehicle financing, as well as borrowers needing larger sums up to $50,000.
Auto
8.95–19.95%
NZ$2k–NZ$100k
12–84 mo
Same day decision
Best for: Kiwis with a steady income and decent credit looking for car loans between NZD 2,000 and NZD 100,000.
NZ resident · Aged 18+ · Regular income
Personal
11.5–15.5%
NZ$1k–NZ$30k
6–60 mo
1-3 business days
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.
NZ citizen or permanent resident · Age 18+ · Regular income
Auto
9.4–12.15%
NZ$5k–NZ$75k
12–60 mo
Quick online application
Best for: It's ideal for those seeking quick online approval and flexible loan amounts for vehicle purchases.
NZ citizen or permanent resident · Regular income · Minimum age 18
Personal
12.9–19.95%
NZ$2k–NZ$50k
6–84 mo
Best for: This loan is best for borrowers needing substantial funds for projects or debt consolidation with flexible repayment terms.
Auto
6.49–12.99%
NZ$2k–NZ$50k
6–60 mo
1-3 business days
Best for: Individuals aged 18+ with stable income and good credit looking for a car loan.
NZ resident · Aged 18+ · Westpac account
Personal
9.95–29.95%
NZ$500–NZ$50k
3–84 mo
Best for: Best for borrowers needing quick access to cash with flexible repayment terms of 3 to 84 months.
Auto
9.95–29.95%
NZ$2k–NZ$50k
12–84 mo
Fast online approval
Best for: This loan is best for those who need quick access to funds for vehicle purchases and have a reliable income.
NZ citizen or permanent resident · Regular income
Personal
13.9–19.9%
NZ$2k–NZ$50k
6–60 mo
Best for: This loan is best for borrowers seeking amounts from NZ$2,000 to NZ$50,000 with flexible repayment terms.