Loan Eligibility Calculator New Zealand
See how much you can borrow in New Zealand on your salary in NZD, and what New Zealand banks actually require before they approve you.
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Borrowing requirements in New Zealand
What you can borrow in New Zealand is set by your income in NZD and your existing commitments. Buzdy holds published eligibility terms for 5 lending products from 5 banks in New Zealand — the real requirements are listed below.
Looking for a credit card in New Zealand?
Compare what banks in New Zealand actually offer — rates, fees and eligibility, updated for 2026.
Loan requirements in New Zealand
| Loan | Bank | Minimum income | Maximum amount | Tenure |
|---|---|---|---|---|
| ANZ Personal Loan | ANZ New Zealand | — | NZ$3,000 – NZ$50,000 | 6 months – 7 years |
| Personal Loan (unsecured) | ASB Bank | — | NZ$50,000 | 6 months – 5 years |
| Advanced Personal Loan | BNZ | — | NZ$1,000 – NZ$60,000 | 3 months – 5 years |
| Personal Loan (unsecured) | Westpac NZ | — | NZ$50,000 | 5 years |
| EV personal loan | Westpac NZ | — | — | — |
5 lending products with published eligibility terms.
Banks we track in New Zealand
Keep going in New Zealand
Guides for New Zealand
New Zealand — frequently asked questions
Do I need to transfer my salary to get a card or loan in New Zealand?
Not always — 12 of the 15 cards we track in New Zealand state that a salary transfer is not required. Transferring your salary to the lender often gets you a better rate anyway.
How much can I borrow on my salary?
Most lenders cap total monthly repayments at roughly 50% of monthly income (the debt burden ratio). The checker above applies that rule to the salary and existing repayments you enter, then converts the spare capacity into a maximum loan.