A rate based on your situation
We look at your individual circumstances, so you'll have a clear understanding of your rate once your loan is approved, giving you greater confidence when planning ahead.
Bring everything into one place
If you’re juggling multiple debts or repayments, a personal loan can bring it all together into one simple loan. Less to keep track of, and more confidence in your day-to-day finances.
Flexibility and structured around you
Loans from $3k to $50k, with terms from 6 months to 5 years and rates ranging from 9.95% to 17.75% pa. Choose weekly, fortnightly or monthly repayments to suit your income and budget. A repayment plan that fits your life, not the other way around. You can also make extra repayments or repay your loan in full at any time without paying an additional fee.
A clear plan from the start
With a structured loan term and repayment schedule, you'll know what to expect, with clear repayments amounts and a set end date for your loan.
You can also manage your loan your way. Apply online and manage your loan through our mobile app or internet banking, giving you control and visibility, anytime.
What can you use a personal loan for?
A personal loan can help you take the next step, whatever that looks like for you:
Consolidating debt - Bring multiple debts together into one simple loan, so it’s easier to stay on track.
Buying a car - Whether you're buying your first car or looking for something that better suits your needs, a personal loan can help you spread the cost over time instead of paying for it all upfront.
Life events - Cover important moments like travel, study or big milestones.
Unexpected costs - Take care of one-off expenses with a clear repayment plan in place.
Looking to consolidate your debt?
If you’re juggling a few different repayments, a personal loan can be a simple way to consolidate debt.
Instead of keeping track of separate balances, due dates and interest rates, you can bring everything together into one loan with one regular repayment.
It can be especially helpful if you’re carrying high-interest debt, like credit cards.
What this means for you:
- One regular repayment.
- A structured path to becoming debt-free.
- A simpler way to manage what you owe.
So, you can spend less time worrying about debt, and more time getting ahead.
Learn moreIs a personal loan right for you?
Once you've submitted an application, we'll take the time to understand your circumstances and assess whether a personal loan is suitable for you.
A personal loan could be a good option if you:
- Want a clear plan for managing a debt.
- Prefer structured repayments you can budget for.
- Are looking to simplify your finances, including consolidating debt.
Personal loan interest rates are floating, which means they may change during the term of your loan. If they do, we'll let you know how much more or less your repayments will be.
If you’d like to talk it through, you can speak to one of our team on 0800 554 554.
General Terms and Conditions and eligibility criteria apply.
Interest rates and loan details at a glance
| Interest rate | From 9.95% to 17.75% p.a., your rate will depend on your credit history and individual circumstances. |
|---|---|
| Loan amount | $3,000 to $50,000 (subject to lending criteria). |
| Loan term | Choose a term that works for you from 6 months to five years. |
| Repayments | Weekly, fortnightly or monthly repayment options available. |
| Fees | $145 establishment fee. |
| Extra repayments | No fee for extra repayments or early repayment. |
| Good to know | Paying more or finishing your loan early may reduce the total interest you pay. |
Personal Loan Calculator
Estimate your repayments
Use our calculator to get a sense of what your repayments could look like, whether you're planning a purchase, covering a bill cost, or considering a debt consolidation loan.
Based on an estimated interest rate of 13.50% p.a., your repayments could be:
$123.22
Estimated interest you could pay:
$215
Estimated total cost of the loan:
$3,215
Apply online
Important:
This calculator provides an estimate only and is for illustrative purposes. It is not financial advice and does not guarantee your actual loan terms or repayments. Your actual repayments may vary based on your individual circumstances.
Ready to take the next step?
To apply, you’ll need to:
- Be 18 years or older.
- Be currently living in New Zealand.
- Be a New Zealand citizen, permanent resident, or eligible visa holder.
- Have a regular source of income.
- Meet our lending criteria.
We may also ask for:
- Details of your income and expenses.
- Information about any existing debts.
- Recent payslips or bank statements.
We take the time to understand your situation, so you get a clear and realistic view of your options upfront.