Best personal loans | Finder NZ

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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.

Harmoney Unsecured Personal Loan

Harmoney Unsecured Personal Loan

From

6.99 % p.a.

rate

  • Borrow from $2,000
  • 100% online
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Harmoney Unsecured Personal Loan

Apply today to get approved within minutes for up to $70,000.

  • Max. loan amount: $70,000
  • Loan term: 3 or 5 years
  • Turnaround time: 99% of approved online applications funded in 24 hours
  • Fees: Establishment fee of $200 for loans from $2,000-$5,000 and $350 for loans from $5,000-$70,000
  • No early repayment fees
  • Personalised interest rates based on your circumstances
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Compare loans

Data updated regularly
Name Product Interest Rate (p.a.) Min. Loan Amount Max. Loan Amount Loan Term Monthly Service Fee Establishment Fee
The Lending People Personal Loan
6.95% - 26.95%
$2,000
$75,000
1 to 7 years
$0 - $10 depending on lender
$50 - $695 depending on lender
Eligibility: Be 18+, an NZ citizen or permanent resident, in employment and earning at least $500 per week.
Secured and unsecured loans of up to $75,000 from a variety of reputable lenders.
Max Loans Secured Personal Loan
6.99% - 29.95%
$1,000
$100,000
1 - 7 years
$0 to $10 depending on lender
$195 to $1,500 depending on lender
Eligibility: Be 18+, an NZ citizen/permanent resident, and have an income of least $400 per week.
Harmoney - Unsecured Personal Loan
6.99% - 24.69%
$2,000
$70,000
36 to 60 months
$0
$200-$350 depending on loan size
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.
Kiwibank Unsecured Personal Loan
16.95%
$10,000
$70,000
6 months to 7 years
$0
$240, $0 for Graduate Pack customers
Eligibility: Be 18+, an NZ citizen/permanent resident, and have a stable income. Ts&Cs apply.
Unsecured personal loans from $10,000.
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