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

Kiwibank Personal Loan

Updated 4 days ago

At a Glance

Representative APR

12.99–18.99%

Loan Amount

$2,000–$30,000

Term

12–60 mo

Decision

—

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About this loan

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

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.

What Customers Say

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

Expert Analysis

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.

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Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.