Rating based on 58 reviews

Kiwibank Business Loan

  • Business loans up to $10,000
  • Low-interest starting from 16.95%
  • Repayment up to 7 years

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

About Kiwibank

Since 2002, Kiwibank has offered flexible and easily accessible banking services and lending products to Kiwis.

We are in over 250 PostShops around New Zealand and this makes our office hours much longer compared to those of other banks. We have a wide ATM network to serve our clients. At present, we have over 800,000 happy customers and their number is constantly growing.

We have received numerous awards

Our personal banking products include personal loans, home loans and credit cards as well as various types of accounts. To our business customers, we offer credit cards, loans, merchant services, investments, specialty accounts and more. We provide insurance and international services to both individuals and businesses. Our clients can take advantage of the internet, phone, and mobile banking. 

Kiwibank Services

We offer a variety of credit solutions to businesses of all sizes, industries and stages of development.

Kiwibank has been assisting companies to achieve their goals with great success for over 10 years. No matter whether you are just starting or looking to expand, we have the right business finance solution for you.

We provide business loans for day to day operations

They are designed to be highly flexible. You can select between fixed and variable interest rate and a term from 6 months to 5 years. Our business and personal loans NZ are secured. We are able to accept different personal and business assets. Our asset finance solutions are designed to assist businesses with the purchase of various kinds of capital goods. You can borrow up to 100% of the asked price. You gain immediate ownership of the assets.

Kiwibank – Business loan

  • Loan Type Business loans
  • Interest Rate 16.9518.95% p/a
  • Loan Amount up to $10,000
  • Repayment 6 months to 7 years

Benefits of Kiwibank

  • Conveniently make additional payments
  • Quick online loan applications
  • A fixed interest rate

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 a business loan within just minutes, simply apply online

Business loans made simple at Kiwibank in Wellington. We offer Adaptable alternatives to offer you some assistance with reaching your business objectives.

Why get an advance with Kiwibank? We offer our clients more than the run of the mill financial solutions. We offer experienced and involved staffs that are always available to help our clients with the succession of the business needs. We also offer our valued customers:

  • Altered or variable financing costs.
  • Adaptable reimbursement alternatives.
  • Terms from six months to five years (and now and again more).
  • Secured against a business or individual resources.
  • Variable from 6.65%p.a. should you have a house as security.

One of our business loaning specialists will work with you to make sense of the best choice for your business. Once we've conceded to an advance sum and term, you'll have several alternatives to choose from. We offer you a choice of Fixed loan rates or variable loan rates and you can apply for the loan online.

Fixed rates to help you save on charges

Your loan fees will be fixed for the duration of your loan term, giving you assurance on your reimbursements. The rate will rely on the terms of your advance and the security you bring to the table. You can reimburse your advance early; however, altered rate break expenses may apply.

Tailored repayments to suit your capital

Pay off more when you can. Make singular amount installments at whatever point you need — great if your salary has a tendency to be sporadic. Settle all or some portion of your advance later if you need to.

We are completely transparent in our business loan offerings. We don’t hide the small print or come up with extra payments that you were unaware of in the beginning. We make our financial solutions easy to access, and easy to payback. You can count on Kiwibank for sound and efficient financial solutions to ensure your business is on its way to flourish profitably.

Customer Reviews & Testimonials

Could not be happier with the service I receive. I have both my personal and business accounts with Kiwibank. Simply the best!

Jennifer B
— Masterton —

Affordable business finance solution, good service, and fast payouts.

Claire W
— Dunedin —

Kiwibank Contact

Physical Address

Postal Address

  • Kiwibank Limited Private Bag 39888 Wellington Mail Centre, Lower Hutt, 5045, New Zealand

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday 09:00 – 12:00
  • Sunday – Closed