There are many types of personal loans offered by lenders in New Zealand. The most commonly available loans are listed below and are generally available to anyone with a reasonable credit score and borrower profile.
There are also many specialist types of loans that are offered by certain lenders that are tailored toward certain uses or purchases.
Our personal loan guides provide detailed information to help borrowers better understand each step of the personal loan application and approval process.
Each of the guides below covers a unique part of the personal loan process, beginning with how to find and choose a lender.
Before you apply for a personal loan, you’ll want to know how much you can afford to borrow. One of the easiest ways to estimate this is to use a loan calculator.
Simply enter the details of any loan offer you find into one of the calculators below, and you can quickly view the repayments you’ll make over various repayment frequencies.
If you're experiencing financial hardship and struggling with debt, you may find speaking to a financial expert can help determine your next steps.
You can speak to an expert for free by calling the MoneyTalks helpline operated by FinCap on 0800 345 123.
MoneyTalks Helpline operates between 8 a.m. and 5 p.m. Monday to Friday, and between 10 a.m. and 2 p.m. on Saturdays.