Best Personal Loans in New Zealand (2026)

5 personal loans from 4 banks in New Zealand. 4 of them publish a rate; the rest quote only on application.

Every figure below is taken from the bank's own published pages and is shown in the bank's own wording — a flat rate and a reducing rate are not the same thing, so they are never merged. A dash means the bank does not publish that figure. Rates change; always confirm on the bank's site before applying.
Last read from the banks' websites on 16 August 2026.

Bank & loan	Rate (bank's own wording)	Min salary	Max amount	Tenure
ANZ Personal Loan ANZ New Zealand bank's page ↗	13.90 % p.a. — Fixed	—	NZ$3,000 – NZ$50,000	6 months – 7 years	View
Personal Loan (unsecured) ASB Bank bank's page ↗	The Westpac standard personal loan interest rate of 13.90% p.a. is currently based on a personal loan rate/personal lending rate/personal loan base rate of 14% p.a. less a margin of 0.10% p.a	—	NZ$50,000	6 months – 5 years	View
Advanced Personal Loan BNZ bank's page ↗	12.90% per annum — Variable	—	NZ$1,000 – NZ$60,000	3 months – 5 years	View
Personal Loan (unsecured) Westpac NZ bank's page ↗	—	—	NZ$50,000	5 years	View
EV personal loan Westpac NZ bank's page ↗	The EV personal loan interest rate of 7.99% p.a. is a combination of Westpac's personal loan base rate of 14% p.a. less a margin of 6.01% p.a.	—	—	—	View