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Personal loans

Life can be a costly business. If you don't have the cash reserves to make a major purchase, a personal loan might be the answer. This is support when you need it.

Latitude 2_250

We work with Latitude Financial Services Ltd to provide personal loan options.

Key features & benefits

  • Borrow from $2,000.

  • Consolidate smaller debts into one loan.

  • Set repayment amounts mean you’ll know exactly how much you have to repay and when.

  • Make additional payments at any time to clear your debt faster.

  • You can check if you could be eligible for a personal loan with Latitude by using the easy online tool.

  • If your loan is approved, you could get the cash as early as the next day.

How it works

  • Big one-off purchases

    If you’ve got an unexpected expense, or need to make a big one-off purchase, a personal loan could be an option. Before you take on any debt, think carefully about how much you’re wanting to borrow and if you’ll be able to comfortably make your repayments.

  • Interest rates & fees

    Kiwibank Home Loan customers may be eligible for a discounted personal loan interest rate. See all rates and fees at Latitude.

  • Debt consolidation

    If you've got a few debts, you could roll them into a single loan with structured repayment terms. That way, instead of having to manage multiple repayments and interest rates you only have to deal with one.

  • Calculating your options

    Use Latitude's personal loan repayment calculator to discover what your repayments could be.

  • Length of your loan

    Payment terms range from one to seven years, giving you the option of lower repayments over a longer time, or higher repayments over a shorter time. The longer the term of the loan, the more interest you will pay.

  • Loan provider

    Latitude provides the personal loan and you can contact them if you have questions about the application process or your personal loan.

Personal loans are provided by Latitude Financial Services Limited ('Latitude'). Kiwibank receives remuneration for referring personal loans to Latitude. Latitude's lending criteria, terms and conditions and fees apply, including an establishment fee. See Latitudes Personal Loan terms and conditions.

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.