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.

Key features and benefits

Our standard personal loan interest rates range from to

  • Borrow from $2,000.

  • A fixed interest rate and set repayment amounts mean you’ll know exactly how much you have to repay and when.

  • You can make additional payments at any time to clear your debt faster.

  • Once your loan is approved you can get the cash as early as the next business day.

Rates and fees

Interest rate for personal loans from $2,000 - $9,999

Interest rate for personal loans from $10,000

Interest rate for personal loans for Kiwibank Home Loan customers

Interest rate for personal loans for Graduate Pack customers from $2,000 - $15,000

As of 1 February 2021, we no longer offer our Graduate Pack to customers.

Establishment fee

$240 for a personal loan; $0 for Graduate Pack customers.

Late payment fee

$35 per late payment.

Payment handling fee

You can make a loan payment in cash at your local PostShop, you'll be charged $1.50 per payment.

Interest rates are subject to change.

How it works

Apply now

Apply online and we'll aim to get back to you within 24 hours (excludes Sundays). If you'd rather talk to someone then call us on 0800 549 454.

Apply online

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.

Apply now

In branch

You can also visit one of our branches, whether you're new to Kiwibank or already a Kiwibank customer.

Find my nearest Kiwibank

Work out your repayments

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.