Rating based on 7 reviews

Kiwibank Personal Loan

  • Personal loans up to $6,000
  • Low-interest starting from 13.95%
  • Repayment up to 4 years

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Kiwibank homepage
Author Kiwibank. Screenshot of Kiwibank website.
[Accessed March 3, 2023]

About Kiwibank

Kiwibank opened in 2002 to offer New Zealanders a better alternative to traditional banking. We have over 250 offices in PostShops to make our products and services easily accessible for our customers.

A wide ATM network nationwide

Today, we have over 800,000 satisfied clients and their number is constantly growing.

Our personal banking products and services range from personal loans, home loans and standard accounts to investment and insurance solutions. Our business customers can take advantage of flexible accounts, credit cards, easy online loans, investment services and insurance.

Kiwibank Services

You can borrow up to $3,000 to finance any purchase or project. Kiwibank's personal loans are fast, flexible and convenient.

Quick applications and loan turnaround times

If you apply before 4pm, we will get back to you within 2hours. If you provide all the required information, you can have the cash on the next business day. We can offer additional assistance if you are using the loan for debt consolidation. We will repay your current obligation straight away and provide a comfortable repayment plan to match your needs.

You can select a repayment term from 6 months to 7 years to correspond to your income, budget and spending. We provide affordable personal loan insurance to protect your payments.

Kiwibank – Personal loan

  • Loan Type Personal loans
  • Interest Rate 13.9518.95% p/a
  • Loan Amount up to $6,000
  • Repayment 6 months to 4 years

Benefits of Kiwibank

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

Personal loan calculator

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

Kiwibank in New Zealand has the most cost-effective personal loan for you

We follow up for the benefit of esteemed customers to supply personal loans at reasonable and affordable rates for our clients.

We take a look at what you can afford to pay off, and what your monthly wage is, and calculate the perfect amount for your to borrow, and comfortably pay off.

There are a large number of motivational benefits:

  • An assortment of quick personal loans for those with good or bad credit – you select the right one for you.
  • Our point is to offer you a financial solution that will get your budgetary circumstance back under control.
  • Simple, fast online loan application – available New Zealand wide.
  • We can offer substantial, quick, individual loans to suit each New Zealanders needs.

We will find you the perfect personal loan

  • Small cash loans – $500 to $5000 for you to spend as you like, and pay off over adaptable terms.
  • Bad credit loans up to $5000, secured or unsecured – we figure out how to help everybody.
  • A bigger loan option, from a board of loan specialists, let us do the leg work!

We can give personal loans from $500 to $5000 to clients with any credit record subject to evaluation. Clients will apply for our credits straightforwardly through our site with our simple loan application process. We will then source the right loan option suited to your needs and your bank balance. Our call centre of experienced staff is always on hand to assist you with any questions or even advice that you may have in regards to getting a personal loan.

We offer international services & foreign currency accounts

We provide a modern way to manage your money with internet, telephone and mobile banking. Kiwibank is a proud holder of various national and international awards for quality and innovation.

We can guide you in the direction best suited just for you.

Customer Reviews & Testimonials

Kiwi bank has been there to provide for all of my financing needs.

Macie S.
— Palmerston North —

Friendly staff, great service, and awesome product. I highly recommend them.

Calleigh A.
— Tauranga —

Simple and fast online application - I had approval within minutes and the funds in my account the next day.

Dannylynn P.
— Wellington —

Kiwibank Contact

Physical Address

  • 7 Waterloo Quay, Pipitea Wellington Wellington Region 6011 New Zealand
  • Get Directions

Postal Address

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

Opening Hours

  • Monday 07:00 – 21:00
  • Tuesday 07:00 – 21:00
  • Wednesday 07:00 – 21:00
  • Thursday 07:00 – 21:00
  • Friday 07:00 – 21:00
  • Saturday 08:00 – 16:00
  • Sunday 08:00 – 16:00