Harmoney Personal Loan
Personal| APR | 7.99–24.99% |
|---|---|
| Amount | NZ$2k–NZ$100k |
| Term | 36–84 mo |
| Speed | Quote in minutes, funding can be as fast as 9 minutes |
At least 18 years old · NZ citizen, permanent resident, or Australian citizen · No defaults on credit file
Expert-Reviewed Loan Comparison
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Real rates from banks and fintechs. Compared side by side, no affiliate bias.
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Instant Finance Car Loan
Auto| APR | 9.95–29.95% |
|---|---|
| Amount | NZ$2k–NZ$50k |
| Term | 12–84 mo |
| Speed | Fast online approval |
NZ citizen or permanent resident · Regular income
SBS Bank Home Loan
Mortgage| APR | 4.19–6.39% |
|---|---|
| Term | 6–360 mo |
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
Instant Finance Debt Consolidation Loan
Consolidation| APR | 9.95–29.95% |
|---|---|
| Amount | NZ$500–NZ$50k |
| Term | 3–84 mo |
| Speed | Money within 24 hours of approval |
Credit assessment based on income and overall financial situation
Westpac Personal Loan
Personal| APR | 7.99–13.9% |
|---|---|
| Amount | NZ$2k–NZ$50k |
| Term | 6–60 mo |
UDC Finance Car Loan
Auto| APR | 8.55–11.7% |
|---|---|
| Amount | NZ$5k–NZ$100k |
| Term | 12–60 mo |
| Speed | Apply online or through dealer network |
NZ citizen or permanent resident · Age 18+ · Regular income
ASB Personal Loan
Personal| APR | 12.9–19.95% |
|---|---|
| Amount | NZ$2k–NZ$50k |
| Term | 6–84 mo |
MTF Finance Car Loan
Auto| APR | 8.95–19.95% |
|---|---|
| Amount | NZ$2k–NZ$100k |
| Term | 12–84 mo |
| Speed | Same day decision |
NZ resident · Aged 18+ · Regular income
Instant Finance Personal Loan
Personal| APR | 9.95–29.95% |
|---|---|
| Amount | NZ$500–NZ$50k |
| Term | 3–84 mo |
ANZ Car Loan
Auto| APR | 13.9% |
|---|---|
| Amount | NZ$3k–NZ$50k |
| Term | 6–84 mo |
| Speed | Within 5 business days |
NZ resident · Aged 18+ · Regular income
BNZ Personal Loan
Personal| APR | 13.9–19.9% |
|---|---|
| Amount | NZ$2k–NZ$50k |
| Term | 6–60 mo |
ASB Car Loan
Auto| APR | 12.95% |
|---|---|
| Amount | NZ$2k–NZ$50k |
| Term | 6–84 mo |
| Speed | 1-3 business days |
NZ resident · Aged 18+ · ASB account holder
Kiwibank Personal Loan
Personal| APR | 12.99–18.99% |
|---|---|
| Amount | NZ$2k–NZ$30k |
| Term | 12–60 mo |
Harmoney Car Loan
Auto| APR | 7.99–24.99% |
|---|---|
| Amount | NZ$2k–NZ$100k |
| Term | 36–84 mo |
| Speed | Rate check with no credit score impact |
NZ or Australian citizen · No defaults on credit file · Full-time or permanent part-time employment
ANZ Personal Loans
Personal| APR | 13.9% |
|---|---|
| Amount | NZ$3k–NZ$50k |
| Term | 6–84 mo |
| Speed | Decision within 5 business days, same-day funding once approved |
At least 18 years old · Regular income · Enough money left after expenses for repayments
Westpac Car Loan
Auto| APR | 6.49–12.99% |
|---|---|
| Amount | NZ$2k–NZ$50k |
| Term | 6–60 mo |
| Speed | 1-3 business days |
NZ resident · Aged 18+ · Westpac account
SBS Bank Personal Loan
Personal| APR | 11.5–15.5% |
|---|---|
| Amount | NZ$1k–NZ$30k |
| Term | 6–60 mo |
| Speed | 1-3 business days |
NZ citizen or permanent resident · Age 18+ · Regular income
AA Money Car Loan
Auto| APR | 9.4–12.15% |
|---|---|
| Amount | NZ$5k–NZ$75k |
| Term | 12–60 mo |
| Speed | Quick online application |
NZ citizen or permanent resident · Regular income · Minimum age 18
The Co-operative Bank Personal Loan
Personal| APR | 9.95–17.75% |
|---|---|
| Amount | NZ$1k–NZ$50k |
| Term | 6–60 mo |