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Explore current home loan rates across major New Zealand banks, updated daily for general information.
| Financial Institute | Product | Plan | Rate Details |
|---|---|---|---|
| ANZ | Personal Loan | Unsecured | 13.90% |
| ASB | Debt Consolidation | Unsecured | 13.90% |
| Personal Loan | Secured | 13.90% | |
| Unsecured | 13.90% | ||
| BNZ |
| Advanced |
| Unsecured |
| 12.90% |
| Campus Pack Advanced | Unsecured | 12.65% |
| Graduate Pack Advanced | Unsecured | 12.65% |
| Co-operative Bank | Personal Loan | Unsecured | 8.99% - 17.75% |
| Kiwibank | Home Loan Customers | Unsecured | 13.95% |
| Personal Loan | Unsecured | 18.95% |
| Personal Loan - Graduate pack | Unsecured | 13.95% |
| SBS Bank. | Personal loan | Secured | 13.85% |
| TSB Bank | Overdraft facilities | Unsecured | 15.39% |
| Personal loan | Unsecured | 12.95% |
| Westpac | Personal Loan | Unsecured | 13.90% |
| Financial Institute | Product | Plan | Rate Details |
|---|---|---|---|
| AA Money | Personal Loan | Secured | 10.45% - 18.95% |
| Admiral Finance | Personal Loans | Secured | 13.95% - 23.95% |
| Advaro Finance | Personal Loan | Secured | 10.95% - 19.95% |
| Aotea Finance | Personal Loan | Secured | 22.50% - 32.50% |
| Avanti Finance | Personal Loan | Unsecured | 14.95% - 27.95% |
| Diners Club | Personal Loan | Unsecured | 17.80% |
| Finance Direct | Personal Loan | Secured | 11.95% - 24.60% |
| Finance Now | Personal Loan | Secured | 8.45% - 29.95% |
| Financial Holdings | Personal Loan | Secured | 12.95% |
| Unsecured | 24.95% | ||
| First CU | Personal Loan | Secured | 10.95% |
| Unsecured | 18.00% | ||
| Future Finance | Personal Loan | Secured | 9.95% - 28.99% |
| Gem | Personal Loan | Secured | 8.99% - 28.99% |
| Unsecured | 9.99% - 29.99% | ||
| Geneva Finance | Personal Loan | Secured | 12.95% - 28.95% |
| Gilrose Finance | Personal Loan | Secured | 9.95% - 22.50% |
| Harmoney | Personal Loan | Secured | 9.89% - 21.49% |
| Unsecured | 9.99% - 24.99% | ||
| Heartland Bank | Personal Loan | Unsecured | 8.95% - 15.95% |
| YouChoose Overdraft | Unsecured | 10.00% | |
| Instant Finance | Personal Loans | Unsecured | 12.95% - 29.95% |
| Lending Crowd | Credit grade - A1 | Secured | 7.95% |
| Unsecured | 8.45% | ||
| Credit grade - A2 | Secured | 8.90% | |
| Unsecured | 9.50% | ||
| Credit grade - B1 | Secured | 10.70% | |
| Unsecured | 12.20% | ||
| Credit grade - B2 | Secured | 11.20% | |
| Unsecured | 12.90% | ||
| MTF Finance | Personal Loan | Secured by car | 10.30% - 22.30% |
| Unsecured | 13.75% - 23.75% | ||
| Mutual Credit Finance | Personal Loan | Unsecured | 13.85% - 23.85% |
| Nectar | Personal Loan | Unsecured | 7.95% - 29.95% |
| Nelson Bldg Society | Personal Loan | Secured | 16.00% |
| Nova Medical Finance | Personal loan | Unsecured | 12.90% - 17.50% |
| NZ Loan | Personal Loan | Debt Consolidation | 13.50% |
| Secured | 13.50% | ||
| Unsecured | 16.00% | ||
| Paraloan | For people with physical disabilities | Secured | 8.00% |
| Unsecured | 10.00% | ||
| Police CU | Standard | Secured | 10.50% |
| Pronto Finance | Personal Loan | Secured | 11.97% - 29.97% |
| Quick Cash Finance | Personal Loan | Secured | 26.00% |
| Unsecured | 26.00% | ||
| Thorn Finance | Personal Loan | Secured | 9.95% - 17.95% |
| Unsecured | 14.95% - 22.95% | ||
| Toyota Financial Services | Personal Loan | Secured | 12.95% - 19.95% |
| UnityMoney | Personal Loan | Secured | 9.90% - 19.90% |
| Unsecured | 12.90% - 22.90% |
MoneyWise rate pages are educational and informational tools only and do not provide financial advice. Any rates, calculations, and projections shown are indicative estimates and may not reflect current lender offers, fees, eligibility criteria, or lending terms. Information may come from publicly available sources and can change without notice. Before making financial decisions, please confirm details directly with the relevant provider and seek advice from a qualified financial professional where appropriate.
