Car loans

Tailor a car loan from $2000 (unsecured) or $6000 (secured) that fits your budget. Get a conditional approval and shop like a cash buyer.

Personal loans

Borrow from $2000 to help towards purchases or expenses. We can also help consolidate other debts into a single loan with structured repayment terms.

Personal loan insurance

Personal loan insurance can help make sure your repayments are taken care of if an accident or illness keep you from repaying your loan.

What you'll need to apply

Having the right information can help speed up your personal or car loan application.


Simplify your debts by rolling them into one personal loan

Consolidate your debts and you’ll only pay 13.95% p.a. fixed for the life of the loan. Use promo code NY2019. Minimum new loan amount $15,000. A $240 establishment fee applies. T&Cs apply.

More about a personal loan

Apply online and we’ll get back to you within 24 hours in most cases (excludes Sunday). Our online application lets you save your progress and can be accessed from your mobile too. If you need any help, call one of the team on 0800 588 002.

A personal loan allows you to pay back your loan with regular fixed amounts over time, helping with your budget. Contact us if you'd like to discuss other borrowing options, or have any questions about whether a personal or car loan is right for you.

Personal loan offer terms and conditions

To receive the discounted interest rate, the promo code NY2019 must be advised at the time of application. The standard rate for new loans $15,000 or more is 16.95% p.a. fixed. New lending that’s been approved must be drawn down by 8 March 2019. A $240 establishment fee applies. Standard terms and conditions apply.

Standard terms and conditions

Personal loans and car loans are provided by Latitude Financial Services Limited ('Latitude'). Kiwibank receives a commission 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.