Personal loans
With a Kiwibank Personal Loan you can borrow from $3,000 for many purposes - be it a holiday, wedding, new household items, or to pay off other smaller debts.
Features:
- Use your loan to pay for many things – debt consolidation, a holiday, your wedding or new household items
- Borrow from $3,000 – if you need less than this, an overdraft or Kiwibank Low Rate MasterCard could be the answer for you
- Faster answers – apply online before 4pm and we'll be in touch within two hours, or apply online after 4pm and we'll get back to you by 10am the next business day
- Cash by the next business day, if you've returned all the information we need
- Flexible terms to suit your needs, from six months to seven years
- Options for structuring your loan – e.g. keep repayments down with a longer loan term, or pay less interest with a shorter term and larger repayments
- Competitive interest rates. An establishment fee does apply
- Repayments can be timed around your pay day, making it easier to meet your repayments
- Protect your repayments with affordable personal loan insurance.
Eligibility
To be eligible to apply for a Kiwibank Personal Loan you must:
- be 18 years of age or older;
- be a New Zealand resident
- have a good credit history. A credit check will be done as part of the application process.
If you're not sure whether you meet all of these criteria, or would like more information about our personal loans, call us on 0800 54 94 54.
If you're interested in a vehicle loan, call us on 0800 54 94 94.
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Conditions
Kiwibank’s Personal Loans are provided by GE Money. Kiwibank's terms and conditions and lending criteria apply. Kiwibank Personal Loan Insurance is arranged by GE Money and is issued by either Hallmark Life Insurance Company Ltd or Simply Insurance New Zealand Limited. Important conditions and exclusions are set out in the policy wording.
