Loans in New Zealand in 2023

Kiwibank - description of the lender

kiwibank

Loan ammount

2000 - 100000 $

Loan term

6 months - 7 years

Kiwibank - description of the lender

Company

Kiwibank Personal banking - home loans, personal loans, credit cards, everyday accounts, savings accounts, investments and insurance.

Age restriction

You must be at least 18 years old.

Timeframe for evaluating your credit application

Once we receive your application one of our direct sales consultants will be in touch.

Requirements

  • - Be over the age of 18;
  • - Be a permanent New Zealand Resident;
  • - Have a stable income.

Required documents

- Your New Zealand Driver Licence or alternatively your passport or NZ Firearms Licence;
- Your employment and income details;
- Any amount owing on loans, overdrafts, credit/store cards (including limits and repayments);
- Your rent and/or mortgage repayments

Impotant

Establishment fee (what you’ll pay to cover the administration costs on your loan): $240, $0 for Graduate Pack customers for either a personal loan or car loan.
Early repayment fee: $10.
Late payment fee: $35 per late payment.
Payment handling fee: $1.50 per payment.

Personal loans and car loans are provided by Latitude Financial Services Limited (“Latitude”). Kiwibank receives a commission for referring a personal loan to Latitude. Latitude’s lending criteria, terms and conditions, and fees apply.

Legal address

Private Bag 39888
Wellington Mail Centre
Lower Hutt 5045

Additional information

Phone: 0800 58 80 02

Other offers

Minimum loan amount

$3,000

Maximum loan amount

$40,000

Minimum loan term

6 months

Maximum loan term

7 years

Max. APR

12.9% p.a.

Minimum age

18 years

224

Representative example: Loan amount: $5,000, Loan term: 2 years, Interest: $699, a one-off application fee: $115, APR: 12.9%
NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.

Minimum loan amount

$1,000

Maximum loan amount

$50,000

Minimum loan term

6 months

Maximum loan term

5 years

APR

13.90% p.a.

Minimum age

18 years

187

Representative example: Loan Amount: $10,000, Loan Term: 3 years, Total amount payable: $12,409, APR: 13.90%
NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.

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