Harmoney makes borrowing money fast, convenient, and personalised. As an award-winning lending company,they’re a favourite among many Kiwis as you can secure full funding within 24 hours! Transactions are done online, so say goodbye to long queues and paper trains. It’s exactly what you’ll need when you need fast cash!

Harmoney has varying rates, starting from 6.99% to 29.99% p.a. This gives them the ability to create a loan specific to the terms you need. These rates are fixed for the life period of your loan. All loans are unsecured, so you don’t have to worry about collateral. You can also choose to repay your loan on a weekly, fortnightly, or monthly basis.

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Proud of its independence, TSB has stood its ground of not joining the merger of NZ banks in 1985. Today, they’re an award-winning bank, proud of their roots and excellent customer service. They have fair loan policies because they know the value of self-reliance. TSB believes that having a fixed rate helps you to budget your money better, as you’ll know exactly how much to spend and save. TSB personal loans have a fixed interest rate of 12.95% offered for the full term. You can borrow between $1,000 and $30,000 for a term between 1 and 5 years with an establishment fee of only $150.

You can apply for a personal loan with TSB online and get approval within 10 to 15 minutes. Simply pass the criteria,, such as being 18 years old or over, having a minimum income of $18,000 p.a., being a citizen or permanent resident in NZ, and owning a smartphone or computer with a webcam, to name a few. Online application is very convenient, as you can to avoid the unnecessary long waits at the bank.

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Westpac has over 150 years of banking services, making them one of the oldest banks in NZ. If you’re making a big loan, they’re a good choice as they can lend up to $50,000 with repayment terms of 1 to 5 years. There are no extra or early repayment fees that can add any burden. You only need to pay the establishment fee of $100, and you’re all set.

Westpac can also let you borrow more than $50,000 with an customised repayment plan. Take note though, they impose a loan payment failed fee of $10 per escalation, as well as a late payment fee of 5% p.a on any overdue balance.

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ANZ is one of the most popular financial brands in New Zealand. They’ve touched the lives of many Kiwis with their unparalleled services and competitive insurance policies. Their personal loans can accommodate Kiwis from different walks of life. They’re the perfect option for first-time borrowers and students as you can borrow anything from $3,000 to $40,000 for a term of 6 months to 7 years. A standard interest rate of 12.90% p.a. applies to all ANZ personal loans. 

ANZ also has a special package for students called Jumpstart, wherein the minimum amount borrowed can be as low as $1,000. Repayment options are flexible and there are no extra charges or fees. You can get your loan between 1 to 2 business days if the application goes well.

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Serving Kiwis since 1875, Heartland Bank makes it easier for Kiwis to manage their money. For an unsecured personal loan, interest rates range between 9.75% p.a. and 29.95% p.a., depending on your financial situation and circumstances, with a term of 1 to 5 years.

Heartland Bank prides themselves on their heritage and innovation to meet their client’s needs. Their customer service is available online or in person. When you need to make an enquiry, you can rest assured that you’ll to a real live person who’s committed to making the loan process as easy and hassle free as possible.

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Founded in 2000, Finance Now provides hassle-free products and services that have gained them the trust of thousands of Kiwis. Their interest rates depend on your credit rating and the perceived risk of the loan, whether secured or unsecured. They ensure that borrowers with a good credit profile get good interest rates. When you apply for a personal loan with Finance Now, they’ll do a credit check and ask for some further personal and financial details.

Finance Now offers both secured and unsecured personal loans. Interest rates for secured personal loans ranges from 12.95% to and 29.95% per annum, and from 16.95% to 29.95% per annum for unsecured  personal loans. Both types are accompanied by an establishment fee of $180.

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ASB understands the needs of their customers. They provide quick responses within 24 hours after you’ve contacted them. Interest rates for an ASB personal loan are based on your credit history and income, with terms for as long as 7 years. 

ASB comes up with a personalised rate based on your circumstances. For secured loans with a minimum loan amount of $20,000, and for unsecured loans with a minimum amount of $2,000, fixed interest rate is at 12.95% p.a.

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Avanti Finance puts Kiwis first when it comes to their products and services, earning them the Equifax Outstanding Corporate Citizen Award in 2019. Their solutions help Kiwis become more financially stable. Avanti Finance consolidates your debt to make it easier for you to manage your loans. They have a wide range of offers to suit your needs, whether for business capital, a trip, or a car.

Avanti Finance is a great option for anyone after a flexible interest, as they curate your loan based on your credit history and income. You can borrow anything from $1,000 to $100,000. You can hear whether your application is approved or declined within two hours.

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Kiwibank encourages Kiwis to find financial stability within New Zealand. Their financial solutions are aimed at all walks of life. They let you borrow as little as $2,000. You just need to be a resident of NZ, at least 18 years old, and have a regular income to be eligible for a Kiwibank personal loan. They also check your credit as a part of the application process. 

Kiwibank lets you make early repayments without penalties. Processing a Kiwibank personal loan is also fast — you can get the cash on the same day as soon as your application has been approved! For a personal loan between $2,000 and $9,999, you have to pay 18.95% interest fee. For anything over $10,000, you pay 16.95%.

Personal Loan Calculator