Central Bank Rate: 2.50%
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Loan Apps Aotearoa

14 Verified Lenders • From 7.5% APR

Central Bank Rate 2.50%
Inflation Rate 2.70%
GDP/Capita NZD 67,000
Average Monthly Salary NZD 6,000
Income Tax Rate 33.0%
Average Property Price NZD 785K
Unemployment Rate 5.2%

Loan Types Available

Personal Loans

Interest Rate 7.49% - 17.99%
Loan Amount NZD 1,000 - 75K
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Business Loans

Interest Rate 5.95% - 12.50%
Loan Amount NZD 5,000 - 500K
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Student Loans

Interest Rate 0.00% - 0.00%
Loan Amount NZD 0 - 20K
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Mortgage Loans

Interest Rate 4.49% - 6.50%
Loan Amount NZD 100,000 - 2,000K
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Auto Loans

Interest Rate 4.90% - 11.90%
Loan Amount NZD 5,000 - 100K
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General Requirements

Age Requirements

18 - 70 years

Residency

Required

Credit Score System

FICO

Minimum Down Payment

20.0%

Top Lenders

Southern Cross Partners Limited

4.6
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Tella Limited

4.5
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Lending Crowd Limited

4.3
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Nectar Group Limited

4.3
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Harmoney New Zealand Limited

4.2
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Killarney Capital Limited

4.2
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Loan Calculator

Monthly Payment NZD 890
Total Cost NZD 10,680
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Verified Expert
James Mitchell

James Mitchell

International Finance Expert & Credit Analyst

Over 8 years of experience analyzing loan markets and banking systems across 193 countries. Helping consumers make informed financial decisions through independent research and expert guidance.

Verified 3 days ago
193 Countries
12,000+ Reviews