Editor shortlists
Low-friction personal loans
Compare lenders that keep eligibility checks light and turnaround times quick.
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- High
- Review
- Clear
- Speed
- Fast
Scout Picks
Compare personal loans
We highlight the strongest rates, requirements, and timelines up front so you can compare faster.
- Fast scan
- Top options summarized in one view
- Clear terms
- Rates, fees, or fit signals are easy to spot
- No fluff
- Straight to the shortlist before deeper research
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Flexible mid-range options
02Useful when you want stronger detail and a bit more room to compare tradeoffs.
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Recently added
- Rate
- 8.95–19.95%
- Amount
- NZ$2k–NZ$100k
- Timing
- Same day decision
MTF Finance is NZ's largest non-bank vehicle lender with rates from 8.95% through dealer and broker networks.
- NZ resident
- Aged 18+
- Regular income
- Rate
- 9.95–29.95%
- Amount
- NZ$500–NZ$50k
- Timing
- Money within 24 hours of approval
Debt consolidation loans from Instant Finance in New Zealand with personalised fixed rates from 9.95% to 29.95% p.a. and terms from 3 months to 7 years.
- Credit assessment based on income and overall financial situation
- Rate
- 4.19–6.39%
- Amount
- —
- Timing
- —
SBS Bank home loans for New Zealand borrowers, including first-home buyers, with a published 1-year FirstHome Combo rate and up to 30-year repayment horizon.
- 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
- Rate
- 13.9–19.9%
- Amount
- NZ$2k–NZ$50k
- Timing
- —
BNZ personal loan up to NZ$50,000 with competitive rates from one of New Zealand's largest banks.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 12.95%
- Amount
- NZ$2k–NZ$50k
- Timing
- 1-3 business days
ASB Bank provides car loans for new and used vehicles in New Zealand at 12.95% p.a. fixed.
- NZ resident
- Aged 18+
- ASB account holder
- Rate
- 9.95–17.75%
- Amount
- NZ$1k–NZ$50k
- Timing
- —
The Co-operative Bank personal loan with rates from 9.95% p.a., winner of 9 consecutive Canstar Outstanding Value Awards.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 7.99–24.99%
- Amount
- NZ$2k–NZ$100k
- Timing
- Rate check with no credit score impact
Harmoney NZ personal loan for car purchase. Rates from 7.99% p.a. with no credit score impact for rate check.
- NZ or Australian citizen
- No defaults on credit file
- Full-time or permanent part-time employment
- Rate
- 12.99–18.99%
- Amount
- NZ$2k–NZ$30k
- Timing
- —
Kiwibank personal loan - NZ-owned bank offering personal loans with competitive rates.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 9.4–12.15%
- Amount
- NZ$5k–NZ$75k
- Timing
- Quick online application
Compare the terms, requirements, and editorial notes before you click through.
- NZ citizen or permanent resident
- Regular income
- Minimum age 18
- Rate
- 11.5–15.5%
- Amount
- NZ$1k–NZ$30k
- Timing
- 1-3 business days
SBS Bank personal loan with competitive rates
- NZ citizen or permanent resident
- Age 18+
- Regular income
- Rate
- 6.49–12.99%
- Amount
- NZ$2k–NZ$50k
- Timing
- 1-3 business days
Westpac New Zealand offers car loans with a fixed rate of 12.90% p.a. for new and used vehicles.
- NZ resident
- Aged 18+
- Westpac account
- Rate
- 13.9%
- Amount
- NZ$3k–NZ$50k
- Timing
- Decision within 5 business days, same-day funding once approved
ANZ New Zealand personal loans for general-purpose borrowing, with advertised amounts from NZ$3,000 to NZ$50,000 and terms from 6 months to 7 years.
- At least 18 years old
- Regular income
- Enough money left after expenses for repayments
- Rate
- 8.55–11.7%
- Amount
- NZ$5k–NZ$100k
- Timing
- Apply online or through dealer network
NZ vehicle finance from UDC for cars, boats, bikes, motorhomes, and more, with loans from NZ$5,000 and terms from 1 to 5 years.
- NZ citizen or permanent resident
- Age 18+
- Regular income
- Rate
- 12.9–19.95%
- Amount
- NZ$2k–NZ$50k
- Timing
- —
ASB personal loan up to NZ$50,000 with terms up to 7 years and competitive rates from one of NZ's major banks.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 13.9%
- Amount
- NZ$3k–NZ$50k
- Timing
- Within 5 business days
ANZ New Zealand offers car loans for new and used vehicles with a fixed interest rate of 13.90% p.a. and no application fees.
- NZ resident
- Aged 18+
- Regular income
- Rate
- 7.99–24.99%
- Amount
- NZ$2k–NZ$100k
- Timing
- Quote in minutes, funding can be as fast as 9 minutes
Online NZ personal loans from Harmoney with advertised borrowing from NZ$2,000 to NZ$100,000 and personalised rates from 7.99% to 24.99% p.a.
- At least 18 years old
- NZ citizen, permanent resident, or Australian citizen
- No defaults on credit file
- Rate
- 9.95–29.95%
- Amount
- NZ$2k–NZ$50k
- Timing
- Fast online approval
Compare the terms, requirements, and editorial notes before you click through.
- NZ citizen or permanent resident
- Regular income
- Rate
- 7.99–13.9%
- Amount
- NZ$2k–NZ$50k
- Timing
- —
Westpac NZ personal loan with standard rate of 13.90% p.a. and special EV loan rate of 7.99%.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 9.95–29.95%
- Amount
- NZ$500–NZ$50k
- Timing
- —
Instant Finance personal loan from NZ$500 to NZ$50,000 with rates from 9.95% to 29.95% p.a.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown