Apply online and we’ll get back to you within 24 hours in most cases (excludes Sundays). If you need any help with your online application call us on 0800 588 002.
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Find my nearest KiwibankLife can be a costly business. If you don't have the cash reserves to make a major purchase, a personal or car loan might be the answer.
Special
Interest rates are subject to change.
Consolidate your debts now and get a special fixed rate 13.95% p.a.*. Available for a limited time only. Minimum new loan amount $10,000. T&Cs apply.
Interest rates are subject to change.
Interest rates are subject to change.
Interest rates are subject to change.
Looking for peace of mind? Consolidate your debts into a personal loan now and get our special fixed rate of *. Available for a limited time only. Minimum new lending amount $10,000.
*A higher rate may apply if you have (or take out) additional lending. Your interest rate may be increased when the interest rates are combined. Credit and lending criteria, terms and conditions, interest and fees including a $240 establishment fee apply. Apply by 30 May 2021. New lending that’s approved must be drawn down by 7 June 2021.
Our personal loan calculator will give you an idea of what your repayments might be, how long it'll take to pay off the loan and what the total interest might be.
*A higher rate may apply if you have (or take out) additional lending. Your interest rate may be increased when the interest rates are combined. Credit and lending criteria, terms and conditions, interest and fees including a $240 establishment fee apply. Apply by 30 May 2021. New lending that’s approved must be drawn down by 7 June 2021.
Standard terms and conditions
Personal loans and car loans are provided by Latitude Financial Services Limited ('Latitude'). Kiwibank receives remuneration for referring these loans to Latitude. Latitude's lending criteria, terms and conditions and fees apply. Where new lending is consolidated with an existing Kiwibank or Latitude provided personal loan, a blended interest rate will apply.
Personal loan insurance
We no longer offer Kiwibank Repayment Protection Insurance. However, if you're an existing policy holder you can find the relevant information about this policy on our products no longer offered page.