Smart loan comparison for every borrower

Personal

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

Mortgage

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

Consolidation

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

Auto

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

NZ resident · Aged 18+ · Regular income

Personal

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

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

NZ resident · Aged 18+ · Westpac account

Personal

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

Auto

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

Personal

At least 18 years old · Regular income · Enough money left after expenses for repayments

Auto

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

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

Auto

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

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

Auto

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

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

Auto

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

NZ resident · Aged 18+ · Regular income

Personal

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

Auto

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

Best for: This loan is best for borrowers needing substantial funds for projects or debt consolidation with flexible repayment terms.