For information on how the traffic light system works and the latest branch opening hours, see our branch updates page.
Your interest rate will stay the same for the agreed term, giving you certainty about repayments. The rate will depend on the terms of your loan and the security you have to offer. You can repay your loan early, but fixed rate break costs may apply.
Tailor your repayments to suit your cashflow – pay off more when you can. Make lump sum repayments whenever you can – handy if your income is irregular. You can move all or part of your variable rate loan to a fixed rate loan whenever you want to.
Our most flexible business loan, it's like a big overdraft. There are no fixed repayment periods and you can make payments as and when suits your business.
Kiwibank's lending criteria, terms and conditions, and fees apply.