Under COVID Level 3, a selection of our Auckland branches will be open with reduced hours Monday 1 March through to Friday 5 March. See our latest branch updates to see which branches are open. We encourage you to continue to bank through Internet Banking and the mobile app. Under Level 2, all other branches around the country will be open as usual.
If you need help banking from home, take a look at our internet banking guides.
Understand how much you'll pay in interest rates and fees on a personal or car loan.
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Loan |
Current rate |
|---|---|
|
Personal loan from $10,000 |
|
|
Personal loan from $2,000 - $9,999 |
|
|
Personal loan for Graduate Pack customers from $2,000 - $15,000* |
|
|
Personal loan for Kiwibank Home Loan customers |
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|
Car loans - secured |
From to ** |
|
Loan |
Current rate |
|---|---|
|
Personal loan from $10,000 |
|
|
Personal loan from $2,000 - $9,999 |
|
|
Personal loan for Graduate Pack customers from $2,000 - $15,000* |
|
|
Personal loan for Kiwibank Home Loan customers |
|
|
Car loans - secured |
From to ** |
Interest rates are fixed for the life of the loan.
Interest rate available for new lending on personal loan applications drawn down from 1 September 2015, subject to lending and credit criteria. Where new lending is consolidated with an existing Kiwibank or Latitude provided personal loan, a blended interest rate will apply. The interest rate and repayment amount will remain the same for the term of the personal loan.
*As of 1 February 2021, we no longer offer our Graduate Pack to customers.
**Interest rate on car loans will vary depending on a number of factors including amount borrowed, term, your credit rating and security offered. The interest rate and repayment amount will remain the same for the term of the car loan.
Establishment fee |
What you'll pay to cover the administration costs on your 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:
|
Payment handling fee |
What you'll pay when a payment to your loan account is made in cash at a PostShop:
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Personal loans and car loans are provided by Latitude Financial Services Limited (“Latitude”). Kiwibank receives remuneration for referring a personal loan to Latitude. Latitude’s lending criteria, terms and conditions, and fees apply. Rates and fees are effective as of 1 December 2017 and are subject to change.