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 Personal Loan
Updated 4 months agoAPR Range
12.99–18.99%
Amount
NZ$2k–NZ$30k
Term
12–60 months
Type
personal
You'll be redirected to kiwibank.co.nz
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.
About This Loan
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