Personal Loans terms, fees and rates





Transaction and service fees
Personal Loan Terms and Conditions
Personal Loan Summary – Sample



Fees for our personal loans. Interest rates and fees are current as at 15 August 2020 and are subject to change without notice. Some other service fees may apply from time to time.

Personal loans - Fees
Fee typeFee amount
Establishment and documentation fee
$100 per loan
Loan payment failed fee
$10 per failure 
Overdue payment
(You will be charged default interest in addition to the normal interest rate on any overdue balance until the overdue balance is paid.)
5% p.a.

Find out about personal loans here


Interest Rates 

  • Our personal loan interest rate is 13.90% p.a.
  • We also offer a special Graduate Loan interest rate to all customers who meet Graduate Pac criteria
  • Personal Loan interest rates are floating so may change during the term of your loan - if they do we’ll let you know how much more or less your repayments will be.

 Find out about personal loans here


Interest rate current as at 15 August 2020 and subject to change without notice.

Eligibility criteria, lending criteria, terms and conditions apply. An establishment fee of $100 may apply. You’ll need to be 18 or older and a New Zealand citizen or permanent resident. If you’re not a New Zealand citizen or permanent resident but you’re working in New Zealand, or you don’t meet the other criteria, we still may be able to help.


Security terms (if applicable) 

Specific Security Agreement and Debtors Certificate – Individual
Specific Security Agreement
Personal Loan Summary (Vehicle Secured) – Sample