Every rate. Every requirement. One place.

Compare loans with complete transparency — rates, fees, and eligibility from licensed lenders.

Personal Loans

Typical APR 5.99–35.99%

Debt Consolidation

Typical APR 6.99–29.99%

Mortgage & Home

Typical APR 3.49–8.99%

Auto Loans

Typical APR 4.49–24.99%
Licensed lenders
APR fully disclosed
Updated daily

Recently added

SBS Bank Home Loan

Mortgage
Representative APR 4.19–6.39%

Best for: This loan is best for those seeking flexible mortgage terms and personalised service from a local bank. It's suitable for first-home buyers and those refinancing their existing mortgages.

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

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AA Money Car Loan

Auto
Representative APR 9.4–12.15%
Amount NZ$5k–NZ$75k

Best for: It's ideal for those seeking quick online approval and flexible loan amounts for vehicle purchases.

NZ citizen or permanent resident · Regular income · Minimum age 18

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Westpac Personal Loan

Personal
Representative APR 7.99–13.9%
Amount NZ$2k–NZ$50k

Best for: Best for those seeking lower rates for electric vehicle financing, as well as borrowers needing larger sums up to $50,000.

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Instant Finance Debt Consolidation Loan

Consolidation
Representative APR 9.95–29.95%
Amount NZ$500–NZ$50k

Best for: This loan is best for individuals looking to simplify their finances by consolidating high-interest debts into one manageable payment.

Credit assessment based on income and overall financial situation

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Instant Finance Car Loan

Auto
Representative APR 9.95–29.95%
Amount NZ$2k–NZ$50k

Best for: This loan is best for those who need quick access to funds for vehicle purchases and have a reliable income.

NZ citizen or permanent resident · Regular income

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ANZ Personal Loans

Personal
Representative APR 13.9%
Amount NZ$3k–NZ$50k

Best for: Individuals with a stable income looking to borrow between NZ$3,000 and NZ$50,000 for personal purposes.

At least 18 years old · Regular income · Enough money left after expenses for repayments

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Harmoney Car Loan

Auto
Representative APR 7.99–24.99%
Amount NZ$2k–NZ$100k

Best for: This loan is ideal for those who want to check rates without affecting their credit score and need a loan range between $2,000 to $100,000.

NZ or Australian citizen · No defaults on credit file · Full-time or permanent part-time employment

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Kiwibank Personal Loan

Personal
Representative APR 12.99–18.99%
Amount NZ$2k–NZ$30k

Best for: Best suited for borrowers looking for flexible loan amounts and terms, with the added benefit of supporting a New Zealand-owned institution.

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MTF Finance Car Loan

Auto
Representative APR 8.95–19.95%
Amount NZ$2k–NZ$100k

Best for: This loan is ideal for NZ residents aged 18 and over who have a regular income and need quick access to vehicle financing.

NZ resident · Aged 18+ · Regular income

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Harmoney Personal Loan

Personal
Representative APR 7.99–24.99%
Amount NZ$2k–NZ$100k

Best for: This loan is best for individuals seeking quick access to funds with minimal paperwork, particularly those with good to excellent credit.

At least 18 years old · NZ citizen, permanent resident, or Australian citizen · No defaults on credit file

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UDC Finance Car Loan

Auto
Representative APR 8.55–11.7%
Amount NZ$5k–NZ$100k

Best for: This loan is best for those seeking a straightforward vehicle financing solution with the option to tailor repayment terms to fit their budget.

NZ citizen or permanent resident · Age 18+ · Regular income

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BNZ Personal Loan

Personal
Representative APR 13.9–19.9%
Amount NZ$2k–NZ$50k

Best for: This loan is best for borrowers seeking amounts from NZ$2,000 to NZ$50,000 with flexible repayment terms.

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ANZ Car Loan

Auto
Representative APR 13.9%
Amount NZ$3k–NZ$50k

Best for: Ideal for those seeking a reliable lender with no application fees and quick approval times.

NZ resident · Aged 18+ · Regular income

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ASB Car Loan

Auto
Representative APR 12.95%
Amount NZ$2k–NZ$50k

Best for: Best suited for ASB account holders needing a quick loan for a new or used vehicle with flexible terms from 6 to 84 months.

NZ resident · Aged 18+ · ASB account holder

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Westpac Car Loan

Auto
Representative APR 6.49–12.99%
Amount NZ$2k–NZ$50k

Best for: Ideal for NZ residents looking for fixed-rate car loans with flexible terms and quick approval.

NZ resident · Aged 18+ · Westpac account

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ASB Personal Loan

Personal
Representative APR 12.9–19.95%
Amount NZ$2k–NZ$50k

Best for: This loan is best for borrowers needing substantial funds for projects or debt consolidation with flexible repayment terms.

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SBS Bank Personal Loan

Personal
Representative APR 11.5–15.5%
Amount NZ$1k–NZ$30k

Best for: This loan is best for borrowers who are NZ citizens or permanent residents and have a steady income, looking for a manageable loan amount.

NZ citizen or permanent resident · Age 18+ · Regular income

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