Personal Loan Comparison

Compare personal lending options for common borrowing needs.

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Personal borrowing in New Zealand

Personal loans can fund one-off purchases, debt consolidation, or emergencies. Compare total cost of borrowing (rate + fees + term), not just the advertised rate, and make sure repayments stay comfortable if your income shifts.

Loan EMI calculator — estimate instalments from amount and term.
Salary after tax — check affordability from take-home pay.
Credit card payoff — if consolidating cards, model payoff time.

Harmoney

Unsecured Personal Loan

Rate

9.95% p.a.

Type

Fixed

Fee

$150

Quick online application for debt consolidation.

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SBS Bank

Personal Loan Standard

Rate

10.50% p.a.

Type

Fixed

Fee

$100

Straightforward fixed repayments and predictable term.

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