APR
12.9–19.95%
Term
6–84mo
Amount
NZ$2k–NZ$50k
Type
Personal
Compare personal loans
Rate breakdowns and lender snapshots — no hype, just honest comparisons.
No obligation
No credit impact
Honest lender network
Recently added
Instant Finance Debt Consolidation Loan
ConsolidationCredit assessment based on income and overall financial situation
⚡ Money within 24 hours of approval
View offer
→
APR
9.95–29.95%
Term
3–84mo
Amount
NZ$500–NZ$50k
Type
Debt_consolidation
SBS Bank Home Loan
MortgageResidential 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
APR
4.19–6.39%
Term
6–360mo
Amount
—
Type
Mortgage
NZ citizen or permanent resident
Regular income
⚡ Fast online approval
View offer
→
APR
9.95–29.95%
Term
12–84mo
Amount
NZ$2k–NZ$50k
Type
Auto
ANZ Personal Loan
PersonalAt least 18 years old
Regular income
Enough money left after expenses for repayments
⚡ Decision within 5 business days, same-day funding once approved
View offer
→
APR
13.9%
Term
6–84mo
Amount
NZ$3k–NZ$50k
Type
Personal
UDC Finance Car Loan
AutoNZ citizen or permanent resident
Age 18+
Regular income
⚡ Apply online or through dealer network
View offer
→
APR
8.55–11.7%
Term
12–60mo
Amount
NZ$5k–NZ$100k
Type
Car_finance
APR
7.99–13.9%
Term
6–60mo
Amount
NZ$2k–NZ$50k
Type
Personal
Harmoney Car Loan
AutoNZ or Australian citizen
No defaults on credit file
Full-time or permanent part-time employment
⚡ Rate check with no credit score impact
View offer
→
APR
7.99–24.99%
Term
36–84mo
Amount
NZ$2k–NZ$100k
Type
Car_finance
APR
9.95–29.95%
Term
3–84mo
Amount
NZ$500–NZ$50k
Type
Personal
APR
8.95–19.95%
Term
12–84mo
Amount
NZ$2k–NZ$100k
Type
Car_finance
APR
13.9–19.9%
Term
6–60mo
Amount
NZ$2k–NZ$50k
Type
Personal
APR
13.9%
Term
6–84mo
Amount
NZ$3k–NZ$50k
Type
Car_finance
SBS Bank Personal Loan
PersonalNZ citizen or permanent resident
Age 18+
Regular income
⚡ 1-3 business days
View offer
→
APR
11.5–15.5%
Term
6–60mo
Amount
NZ$1k–NZ$30k
Type
Personal
AA Money Car Loan
AutoNZ citizen or permanent resident
Regular income
Minimum age 18
⚡ Quick online application
View offer
→
APR
9.4–12.15%
Term
12–60mo
Amount
NZ$5k–NZ$75k
Type
Auto
Harmoney Personal Loan
PersonalAt least 18 years old
NZ citizen, permanent resident, or Australian citizen
No defaults on credit file
⚡ Quote in minutes, funding can be as fast as 9 minutes
View offer
→
APR
7.99–24.99%
Term
36–84mo
Amount
NZ$2k–NZ$100k
Type
Personal
APR
6.49–12.99%
Term
6–60mo
Amount
NZ$2k–NZ$50k
Type
Car_finance
APR
9.95–17.75%
Term
6–60mo
Amount
NZ$1k–NZ$50k
Type
Personal
APR
12.95%
Term
6–84mo
Amount
NZ$2k–NZ$50k
Type
Car_finance
APR
12.99–18.99%
Term
12–60mo
Amount
NZ$2k–NZ$30k
Type
Personal
Latest from the blog
Car Finance Deals: Finding the Best Rates This Winter
Discover top car loan options with standout rates and terms.
Comparing Personal Loan Options for Different Needs
A guide to finding the right personal loan in June 2026
Car Finance Options: Finding the Right Fit for June 2026
Explore the top car loan options tailored for different needs.