Compare personal loan rates and fees

Understand how much you'll pay in interest rates and fees on a personal or car loan.

Interest rates


Current rate

Personal loan from $2,000 - $9,999

Personal loan from $10,000

Personal loan for Graduate Pack customers from $2,000 - $15,000*

Personal loan for Kiwibank Home Loan customers

Car loans - secured

From to **


Establishment fee

What you'll pay to cover the administration costs on your loan:

  • $240 for a personal loan
  • $240 for a car loan
  • $0 for Graduate Pack customers for either a personal loan or a car loan

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

Late payment fee

What you'll pay if you don't pay an amount when due under your loan:

  • $35 per late payment

Payment handling fee

What you'll pay when a payment to your loan account is made in cash at a PostShop:

  • $1.50 per payment