Loan Comparison
Real rates from banks and fintechs. Compared side by side, no affiliate bias.
✦ This loan is best for individuals looking to simplify their finances by consolidating high-interest debts into one manageable payment.
APR
9.95–29.95%
/yr
Amount
NZ$500–NZ$50k
Term
3–84mo
Decision
Money within 24 hours of approval
✦ This loan is best for those seeking a straightforward vehicle financing solution with the option to tailor repayment terms to fit their budget.
APR
8.55–11.7%
/yr
Amount
NZ$5k–NZ$100k
Term
12–60mo
Decision
Apply online or through dealer network
✦ Best suited for borrowers looking for flexible loan amounts and terms, with the added benefit of supporting a New Zealand-owned institution.
APR
12.99–18.99%
/yr
Amount
NZ$2k–NZ$30k
Term
12–60mo
Decision
—
✦ This loan is best for those seeking flexible mortgage terms and personalised service from a local bank. It's suitable for first-home buyers and those refinancing their existing mortgages.
APR
4.19–6.39%
/yr
Amount
—
Term
6–360mo
Decision
—
✦ This loan is ideal for those who want to check rates without affecting their credit score and need a loan range between $2,000 to $100,000.
APR
7.99–24.99%
/yr
Amount
NZ$2k–NZ$100k
Term
36–84mo
Decision
Rate check with no credit score impact
✦ Individuals with a stable income looking to borrow between NZ$3,000 and NZ$50,000 for personal purposes.
APR
13.9%
/yr
Amount
NZ$3k–NZ$50k
Term
6–84mo
Decision
Decision within 5 business days, same-day funding once approved
✦ Kiwis with a steady income and decent credit looking for car loans between NZD 2,000 and NZD 100,000.
APR
8.95–19.95%
/yr
Amount
NZ$2k–NZ$100k
Term
12–84mo
Decision
Same day decision
✦ Best for those seeking lower rates for electric vehicle financing, as well as borrowers needing larger sums up to $50,000.
APR
7.99–13.9%
/yr
Amount
NZ$2k–NZ$50k
Term
6–60mo
Decision
—
✦ This loan is best for those who need quick access to funds for vehicle purchases and have a reliable income.
APR
9.95–29.95%
/yr
Amount
NZ$2k–NZ$50k
Term
12–84mo
Decision
Fast online approval
✦ This loan is best for borrowers needing substantial funds for projects or debt consolidation with flexible repayment terms.
APR
12.9–19.95%
/yr
Amount
NZ$2k–NZ$50k
Term
6–84mo
Decision
—
✦ Best suited for ASB account holders needing a quick loan for a new or used vehicle with flexible terms from 6 to 84 months.
APR
12.95%
/yr
Amount
NZ$2k–NZ$50k
Term
6–84mo
Decision
1-3 business days
✦ This loan is best for borrowers seeking amounts from NZ$2,000 to NZ$50,000 with flexible repayment terms.
APR
13.9–19.9%
/yr
Amount
NZ$2k–NZ$50k
Term
6–60mo
Decision
—
✦ Individuals aged 18+ with stable income and good credit looking for a car loan.
APR
6.49–12.99%
/yr
Amount
NZ$2k–NZ$50k
Term
6–60mo
Decision
1-3 business days
✦ This loan is best for borrowers who are NZ citizens or permanent residents and have a steady income, looking for a manageable loan amount.
APR
11.5–15.5%
/yr
Amount
NZ$1k–NZ$30k
Term
6–60mo
Decision
1-3 business days
✦ It's ideal for those seeking quick online approval and flexible loan amounts for vehicle purchases.
APR
9.4–12.15%
/yr
Amount
NZ$5k–NZ$75k
Term
12–60mo
Decision
Quick online application
✦ Individuals with good credit scores seeking personal loans for various purposes.
APR
9.95–17.75%
/yr
Amount
NZ$1k–NZ$50k
Term
6–60mo
Decision
—
✦ Ideal for those seeking a reliable lender with no application fees and quick approval times.
APR
13.9%
/yr
Amount
NZ$3k–NZ$50k
Term
6–84mo
Decision
Within 5 business days
✦ This loan is best for individuals seeking quick access to funds with minimal paperwork, particularly those with good to excellent credit.
APR
7.99–24.99%
/yr
Amount
NZ$2k–NZ$100k
Term
36–84mo
Decision
Quote in minutes, funding can be as fast as 9 minutes
✦ Best for borrowers needing quick access to cash with flexible repayment terms of 3 to 84 months.
APR
9.95–29.95%
/yr
Amount
NZ$500–NZ$50k
Term
3–84mo
Decision
—
Eight NZ car-loan listings span 7.99% to 29.95%, but fees, credit rules and loan terms decide the real cost.
Compare top car loans with rates from 7.99% to 29.95% APR. Learn which lenders offer the best deals for your credit profile.
Compare ASB's longer terms against SBS Bank's transparent pricing to find the best personal loan for your needs.
