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Best personal loans

We’ve spent hours reviewing personal loans to find the best options so you don’t have to.

You can take out a personal loan for a range of different reasons. While one person might need a personal loan to buy a car, another might take one out to renovate a home or consolidate debt. There are a large number of personal loans available, so how do you find the best one for you?

Must read: Looking for the best personal loan?

There’s no single loan that’s best for everyone as all our needs are different – and what’s best for you might not be best for someone else.

Compare loans

Name Product Interest Rate (p.a.) Min. Loan Amount Max. Loan Amount Loan Term Monthly Service Fee Establishment Fee
Harmoney - Unsecured Personal Loan
6.99% - 19.99%
$2,000
$70,000
36 to 60 months
$0
$150
Apply for an unsecured personal loan up to $70,000 with no early repayment fees. Eligibility: Be a NZ resident/citizen and have a good credit score.
FROM 6.99%
The Co-operative Bank Unsecured Personal Loan
6.99% - 19.99%
$3,000
$50,000
6 months to 5 years
$0
$200
Eligibility: Be 18+, an NZ citizen/permanent resident, or have a valid work visa.
Floating-rate, unsecured personal loans from $3,000.
Lending Crowd Personal Loan
5.03% -19.30%
$2,000
$200,000
2, 3 or 5 years
$0
$200 - $1,450 depending on the amount borrowed
Eligibility: Be a NZ resident/citizen and have a good credit score.
Secured and unsecured personal loans from $2,000 to $200,000. 100% online with no paperwork or early repayment fees.
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