Rating based on 42 reviews

BNZ Personal Loan


  • Personal loans up to $30,000
  • Low-interest starting from 17.85%
  • Repayment up to 5 years

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BNZ homepage

Author BNZ. Screenshot of BNZ website. [Accessed April 17, 2018]

About BNZ

BNZ – The Bank of New Zealand – has been helping people and businesses reach their goals since 1861 with their affordable personal loans and business loans.

They made it their goal to help New Zealanders not only obtain financing but to help them reach their goals. We also personal financial management services.

Our promise to you

As a customer at BNZ, you are at the heart of our business. Therefore, we would like to make six promises to you, in order to assist you and teach you how to manage money and offer you great customer service - We promise:

  • To listen - Our team will help you make the right decisions.
  • To simplify things - We will make it easy to manage your money and to make it grow.
  • To provide fast, effective services - We will ensure that it is done right the first time.
  • To recommend products and services - that will give you the best value.
  • To always be honest and straightfoward.
  • To always repair any damage - should any arise.

We are an award winning bank

The United Nations has acknowledged us for promoting diversity in the workplace. We have won the award for the Best Small Business Bank four times. Besides the awards that our bank has won, we also have some award winning products, such as YouMoney, MyMoney for Business, TotalMoney for Businesses and our KiwiSaver scheme.

We are also the only bank in New Zealand where you can collect Fly Buy Points on our products, applicable to some home loans, insurances, and credit cards.

BNZ Services

BNZ offer personal loans that are fast and convenient, giving you the necessary funds to pay for a product that might seem outside of your financial reach.

There is no reason for you not to have the finances to reach for your dream goals when using BNZ as your preferred lender.

Flexible repayments

We offer flexible repayments. This way you can make additional payments, pay back more than the minimum amount or if you have the money, you can even repay the entire online loan at once.

Easily manage your loan

At BNZ we give you the ability to easily manage your loan through online banking. You will be able to view the status and all the details of your loan and make payments as you wish.

This convenient function will completely eliminate the need to visit one of our banks in order to view your loan details or make changes to it. We understand the demands of our fast-paced life and therefore aim to simplify all our services.

We grant top-ups

If you already have a standing loan with us, you can easily apply for a top-up. If your personal loan has run out and you require some additional financing, simply complete a new application and one of our friendly financial services providers will get back to you. After your personal loan has been approved, you will have an entire 21 days to draw down on your loan if you wish to do so.

BNZ Personal loan

  • Loan Type Personal loans
  • Interest Rate from 17.85%
  • Loan Amount up to $30,000
  • Repayment 6 months to 5 years

Benefits of BNZ

  • Instant loan approvals
  • Fixed repayment terms
  • Repay your loan early without penalty fees
  • Use your personal loan to consolidate debt

BNZ Personal Loan – Easy as 1-2-3

The Bank New Zealand offers many things to its clients – from regular banking services, to award-winning insurance and financing, for over 150 years.

However, when it comes to selecting a loan provider, to whom you will be financially and legally bound for the foreseeable future, you need to be completely sure that you have made the absolute correct decision. In order to assist you in this decision-making process, we have written a comprehensive review that will tell you all you need to know about BNZ.

Easily insure your own loan with BNZ

The Bank of New Zealand does not only give you the ability to apply for a personal loan but they also give you the option of insuring your loan with them. With BNZ’s personal loan insurance you will be covered debt-wise in case an unforeseeable event such as illness, an accident, bankruptcy or redundancy were to occur and affect your ability to earn an income

Borrow between $1,000 and $30,000

If you are in need of some funding to make a somewhat extravagant purchase, take a much-deserved vacation or perhaps pay for your wedding or some other event, a personal loan with BNZ can be the perfect solution. The Bank of New Zealand offers quick cash loans ranging from $1,000 to a staggering $30,000. With this amount of money, it is quite hard to imagine that there will be anything you can’t afford with BNZ financing short of a house or car.

Consolidate your debt

BNZ seems to have thought of everything if you look at their services. Not only do they offer amazing personal loans that can finance almost any purchase your heart desires but they also offer an option that allows you to consolidate your debt with an advanced personal loan.

All-in-all, the Bank of New Zealand is a very reputable bank and loan provider that offers a comprehensive range of services including our online application form, suitable for all your individual needs.

Customer Reviews & Testimonials

I have been a client of BNZ just like my parents before me. They are a reputable financial institution and I am always happy with the service I receive.

Ali J.
— Lower Hutt —

Some of the best consultants I have ever come across. Knowledgeable and always friendly.

Xavia E.
— Ashburton —

BNZ Contact Details

Contact Number


  • not available


Physical Address

Postal Address

  • Private Bag 39806, Wellington Mail Centre, Lower Hutt, 5045, New Zealand

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed