APR
12.9–19.95%
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Loan offers compared, clearly. Rates, eligibility, and costs — side by side.
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APR
9.95–29.95%
Instant Finance Debt Consolidation Loan
ConsolidationAmountNZ$500–NZ$50k
Term3–84 mo
DecisionMoney within 24 hours of approval
APR
8.95–19.95%
APR
4.19–6.39%
APR
7.99–13.9%
APR
12.95%
APR
9.95–29.95%
APR
13.9%
APR
13.9–19.9%
APR
9.4–12.15%
AA Money Car Loan
AutoAmountNZ$5k–NZ$75k
Term12–60 mo
DecisionQuick online application
APR
13.9%
ANZ Personal Loan
PersonalAmountNZ$3k–NZ$50k
Term6–84 mo
DecisionDecision within 5 business days, same-day funding once approved
APR
9.95–29.95%
AmountNZ$2k–NZ$50k
Term12–84 mo
DecisionFast online approval
APR
12.99–18.99%
APR
6.49–12.99%
APR
11.5–15.5%
SBS Bank Personal Loan
PersonalAmountNZ$1k–NZ$30k
Term6–60 mo
Decision1-3 business days
APR
7.99–24.99%
Harmoney Car Loan
AutoAmountNZ$2k–NZ$100k
Term36–84 mo
DecisionRate check with no credit score impact
APR
7.99–24.99%
Harmoney Personal Loan
PersonalAmountNZ$2k–NZ$100k
Term36–84 mo
DecisionQuote in minutes, funding can be as fast as 9 minutes
APR
8.55–11.7%
UDC Finance Car Loan
AutoAmountNZ$5k–NZ$100k
Term12–60 mo
DecisionApply online or through dealer network
APR
9.95–17.75%
