Independent Lending Research

Compare personal loans

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

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Rates updated daily
No credit score impact
Editorial methodology

Recently added

UDC Personal Vehicle Finance

niche id car_finance
provider UDC Finance
apr min 8.55
apr max 11.7
amount min 5000
amount min currency NZD
currency NZD
term months min 12
term months max 60
requirements ['Responsible lending criteria apply']
approval time Decision within 24 hours
rate type annual
loan type vehicle
apr min currency NZD
apr max currency NZD
price snapshots [{'timestamp': '2026-04-30T09:33:11.859013+00:00', 'values': {'apr_min': 8.55, 'apr_max': 11.7}}]
original image url https://www.udc.co.nz/favicon.ico

UDC Finance offers a clear NZ vehicle-finance option with public rates of 8.55% to 11.70% p.a. for loans from NZ$5,000 over 1 to 5 year terms. Decisions come within 24 hours, and 100% finance is available for cars, bikes, boats, and motorhomes. Weekly, fortnightly, and monthly repayment options add flexibility.

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Instant Finance Debt Consolidation Loan

niche id debt_consolidation
provider Instant Finance
apr min 9.95
apr max 29.95
currency NZD
term months min 3
term months max 84
requirements ['Credit assessment based on income and overall financial situation']
approval time Money within 24 hours of approval
rate type annual
loan type debt_consolidation
apr min currency NZD
apr max currency NZD
price snapshots [{'timestamp': '2026-04-30T09:33:23.791967+00:00', 'values': {'apr_min': 9.95, 'apr_max': 29.95}}]
amount min 500
amount max 50000
amount min currency NZD
amount max currency NZD
original image url https://instantfinance.co.nz/media/nsaf5snr/teal-if-button-transpearant-192x192.png

Instant Finance offers debt consolidation loans from NZ$500 to NZ$50,000 at fixed rates of 9.95% to 29.95% p.a., with terms from 3 months to 7 years. The wide borrowing band and fast turnaround suit borrowers consolidating multiple debts, but establishment fees of $100–$220 and a $3 per-instalment admin fee add up.

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Harmoney Personal Loans

niche id personal_loans
provider Harmoney
apr min 7.99
apr max 24.99
amount min 2000
amount max 100000
amount min currency NZD
amount max currency NZD
currency NZD
term months min 36
term months max 84
approval time Quote in minutes, funding can be as fast as 9 minutes
rate type annual
loan type personal
apr min currency NZD
apr max currency NZD
price snapshots [{'timestamp': '2026-04-30T09:33:21.251938+00:00', 'values': {'apr_min': 7.99, 'apr_max': 24.99}}]
requirements ['At least 18 years old', 'NZ citizen, permanent resident, or Australian citizen', 'No defaults on credit file', 'Full-time or permanent part-time employment']
original image url https://www.harmoney.co.nz/hubfs/harmoney_logo.svg

Harmoney is NZ's most-awarded online personal lender (Canstar Outstanding Value 2015–2024). Borrow NZ$2,000 to NZ$100,000 at rates from 7.99% to 24.99% p.a. over 3, 5, or 7 year terms. The 100% online quote flow takes as little as 9 minutes with no impact on your credit score.

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SBS Home Loans

niche id mortgage_home_loans
provider SBS Bank
apr min 4.19
apr max 6.39
currency NZD
term months max 360
requirements ['Residential home loans typically need at least 20% equity', 'Residential investing lending typically needs at least 30% equity', 'First Home Loans can be available with at least 5% equity']
rate type annual
loan type mortgage
apr min currency NZD
apr max currency NZD
price snapshots [{'timestamp': '2026-04-30T09:33:18.325287+00:00', 'values': {'apr_min': 4.09, 'apr_max': 5.69}}, {'timestamp': '2026-05-06T09:01:10.060469+00:00', 'values': {'apr_min': 4.19, 'apr_max': 6.39}}]
term months min 6
original image url https://www.sbsbank.co.nz/favicon.ico

SBS Bank is a mutual bank with a 156-year track record of NZ home lending. Current rates range from 4.19% p.a. (1-year fixed FirstHome Combo) to 6.39% p.a. (5-year standard fixed), with floating at 5.84% p.a. First-home buyers get discounted access from just 5% equity.

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ANZ Personal Loans

niche id personal_loans
provider ANZ
amount min 3000
amount max 50000
amount min currency NZD
amount max currency NZD
currency NZD
term months min 6
term months max 84
requirements ['At least 18 years old', 'Regular income', 'Enough money left after expenses for repayments', 'NZ citizen, permanent resident, or qualifying work visa', 'ANZ customer with an everyday account']
loan type personal
apr min 13.9
apr max 13.9
approval time Decision within 5 business days, same-day funding once approved
apr min currency NZD
apr max currency NZD
price snapshots [{'timestamp': '2026-05-06T09:00:56.257868+00:00', 'values': {'apr_min': 13.9, 'apr_max': 13.9}}]
original image url https://www.anz.co.nz/apple-touch-icon.png

ANZ offers a straightforward personal loan at a fixed 13.90% p.a. standard rate, with NZ$3,000 to NZ$50,000 available over 6 months to 7 years. No application, early-repayment, or repayment-change fees make it a transparent choice, though you must be an existing ANZ customer.

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