If don’t have the cash you need help to make a big purchase or you want to bundle a few smaller debts into one loan, a personal loan could help.
Our standard personal loan interest rates range from to
Interest rates are subject to change.
*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
Make sure you read the Personal Loan Terms and Conditions (PDF 144.0 KB) to understand in full how our personal loans work.
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.
The personal loan calculator should be treated as a guide only. It does not take into account all of your individual circumstances, and is not financial advice.
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.