Kiwibank Personal Loan

Kiwibank offers personal loans ranging from $2,000 to $30,000 with competitive interest rates between 12.99% and 18.99% per annum.

Last checked on June 11, 2026. We may earn a commission when you click through.

Kiwibank's personal loans provide a solid option for those who prefer a locally owned bank with a straightforward application process.

✓ Supports a New Zealand-owned bank ✓ Flexible loan amounts and terms ✓ User-friendly application process

Personal Kiwibank Reviewed

Kiwibank Personal Loan

Updated 1 month ago

APR Range

12.99–18.99%

Amount

NZ$2k–NZ$30k

Term

12–60 months

Type

personal

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Our Verdict

Kiwibank's personal loans provide a solid option for those who prefer a locally owned bank with a straightforward application process.

Best For

Best suited for borrowers looking for flexible loan amounts and terms, with the added benefit of supporting a New Zealand-owned institution.

Watch Out

Interest rates can be on the higher side, so it may not be ideal for those with excellent credit seeking the lowest possible rates.

Pros

Supports a New Zealand-owned bank
Flexible loan amounts and terms
User-friendly application process
No establishment fees
Good customer service reputation

Cons

Higher interest rates for some borrowers
Not the best option for those with excellent credit
Limited promotional offers compared to competitors
Potentially high overall repayment costs
Less competitive for large loan amounts

Full Review

Kiwibank's personal loan offerings include amounts from $2,000 to $30,000, with terms ranging from 12 to 60 months. The APR varies from 12.99% to 18.99%, which is higher than some competitors, making it less attractive for those with strong credit histories.

The application process is user-friendly, with quick approvals and a solid reputation for customer service. However, borrowers should be aware that the rates can significantly impact the total repayment amount, especially for larger loans.

Unlike some lenders, Kiwibank does not charge establishment fees, which can be a plus. Yet, those seeking lower interest options might find better deals with other banks like ASB or Westpac, particularly if they qualify for their lower-rate offerings.

For convenience, Kiwibank also offers a mobile app for managing your loan, adding to the overall customer experience. Still, if you're looking to borrow larger amounts, consider comparing Kiwibank's rates against other major banks to ensure you get the best deal.

Who Is This For?

Ideal for borrowers who value local banking and need personal loans within the $2,000 to $30,000 range.

What Borrowers Say

Borrowers appreciate Kiwibank's customer service, but some express concerns over higher interest rates compared to other lenders.

Summary

Kiwibank's personal loan is a reliable option for those who support local businesses, offering a straightforward application process and flexible terms.