Real rates from banks and fintechs. Compared side by side, no affiliate bias.
APR
9.95–29.95%
Amount
$500–$50k
Credit assessment based on income and overall financial situation
APR
13.9%
Amount
$3k–$50k
NZ resident
Aged 18+
Regular income
APR
7.99–13.9%
Amount
$2k–$50k
APR
4.19–6.39%
Residential home loans typically need at least 20% equity
Residential investing lending typically needs at least 30% equity
First Home Loans can be available with at least 5% equity
APR
7.99–24.99%
Amount
$2k–$100k
NZ or Australian citizen
No defaults on credit file
Full-time or permanent part-time employment
APR
9.95–17.75%
Amount
$1k–$50k
No specific requirements listed
APR
9.95–29.95%
Amount
$2k–$50k
NZ citizen or permanent resident
Regular income
APR
13.9–19.9%
Amount
$2k–$50k
APR
8.95–19.95%
Amount
$2k–$100k
NZ resident
Aged 18+
Regular income
APR
12.9–19.95%
Amount
$2k–$50k
APR
9.4–12.15%
Amount
$5k–$75k
NZ citizen or permanent resident
Regular income
Minimum age 18
APR
12.99–18.99%
Amount
$2k–$30k
APR
8.55–11.7%
Amount
$5k–$100k
NZ citizen or permanent resident
Age 18+
Regular income
APR
9.95–29.95%
Amount
$500–$50k
APR
6.49–12.99%
Amount
$2k–$50k
NZ resident
Aged 18+
Westpac account
APR
13.9%
Amount
$3k–$50k
At least 18 years old
Regular income
Enough money left after expenses for repayments
APR
12.95%
Amount
$2k–$50k
NZ resident
Aged 18+
ASB account holder
APR
11.5–15.5%
Amount
$1k–$30k
NZ citizen or permanent resident
Age 18+
Regular income
APR
7.99–24.99%
Amount
$2k–$100k
At least 18 years old
NZ citizen, permanent resident, or Australian citizen
No defaults on credit file
