Rating based on 25 reviews

Heartland Bank

  • Business loans up to $250,000
  • Low-interest starting from 9.95%
  • Repayment up to 5 years

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Heartland Bank homepage
Author Heartland Bank. Screenshot of Heartland Bank website.
[Accessed March 7, 2023]

About Heartland Bank

With roots stretching back to 1875, Heartland is a well-established New Zealand bank.

We provide banking products in three key sectors: Personal loans, including consumer lending, reverse mortgages and motor vehicle lending, business loans and rural loans.

Service the Heartland Bank way

Our customers receive only professional, tailored advice and service to suit their specific needs. The Code of Banking Practice sets out standards for good banking practice. We adhere to the Code (as a member of the New Zealand Bankers' Association) and see it as a minimum standard to maintain good relationships and communications with our customers.

Heartland Bank Services

Heartland Bank offers a variety of lending services to help finance numerous purchases that New Zealanders want to make but simply don't have the capital for.

Among our lending services, we have the following:

  • Small business loans - Unsecured up to $50,000 and secured quick online loans up to $250,000
  • Franchise loans - Finance for starting up or growing your franchise
  • Plant and equipment loans - For new or used construction, agricultural or earthmoving equipment
  • Truck and trailer loans - We fund all types of trucks and trailers and can also help with painting, the body builds, repairs and maintenance, engine replacements, and signage to get you on the road.

Heartland Bank – Business loan

  • Loan Type Business loans
  • Interest Rate 9.9526.70% p/a
  • Loan Amount up to $250,000
  • Repayment 6 months to 5 years

Benefits of Heartland Bank

  • Unsecured lending options
  • Easy online loan applications
  • Reliable business loan options

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This business loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Get the perfect small business loan to get your start-up off the ground

A forerunner in the lending industry, Hartland Bank, offers affordable business loans that can come in handy when you are purchasing stock, vehicles, a new franchise opportunity, or you need working capital to keep your business humming.

Some features of Heartland bank include:

  • Borrow up to $50,000 unsecured
  • Secured loans up to $250,000
  • Finance for starting up and growing your business
  • No need to mortgage your home
  • No need to change your bank

How to apply

  1. Fill in your details in the loan application - It only takes a couple of minutes to complete the easy online loan application.
  2. Get a decision in seconds - We will inform you of our decision in a matter of seconds.
  3. We'll get in contact - One of their specialists will contact you to confirm details plus sort out the paperwork.

Customer Reviews & Testimonials

When I wanted to start my business I didn't have any capital or anything to put up as security - Heartland Bank was still willing to offer me an affordable unsecured loan that helped me realise m...

Heather W
— Christchurch —

They helped me out with my initial startup costs and when I needed to expand years later I went to Heartland Bank again. Still great service and affordable rates.

Sheldon W
— Hamilton —

Flexible and affordable business financing option, they came recommended to me and I am happy to pass on the recommendation.

Mike P
— Invercargill —

Heartland Bank Contact

Physical Address

Postal Address

  • PO Box 9919, Newmarket, Auckland, 1149, New Zealand

Opening Hours

  • Monday 08:50 – 17:30
  • Tuesday 08:50 – 17:30
  • Wednesday 08:50 – 17:30
  • Thursday 08:50 – 17:30
  • Friday 08:50 – 17:30
  • Saturday – Closed
  • Sunday – Closed