Rating based on 23 reviews


  • Business loans up to $1,000,000
  • Low-interest starting from 6.43%
  • Repayment up to 15 years

In-page navigation

BNZ homepage
Author BNZ. Screenshot of BNZ website.
[Accessed April 17, 2018]

BNZ - Excellent financial services

Being one of the oldest banks in New Zealand comes with a lot of work and credit to speak for the determination that we have given over the years. We have shaped and formed BNZ from scratch and we couldn’t be happier with how it turned out.

Although people have come and left, the legacy still continues in being a financial friend in need offer personal and business finance. In order to achieve over a century in service, it takes a great time and the willingness to be great. We have excelled in both avenues because we don’t want to be a mediocre financial services provider.

Lending a helping hand

Our clients are the main reason BNZ has been relevant for all these years. Having said that, we take it upon ourselves to help our community where we can when given the chance.

We participate in a number of initiatives that help the youth and the community at large. Ultimately, we want to see a changed nation and we want to take part in doing good. To some people, we change their lives forever and in essence, that is what we intend on doing.

Living your best life the greenway

Seeing the state of our environment, it is not pleasing to know that there are still people who don’t see the necessity of protecting the environment. BNZ is very protective over the environment and we ensure that our services will not put the environs in harm. If we don’t take care of our surroundings, nobody will.

BNZ Services

We assist anyone who comes knocking on our door for help. Whether your business is big or small, the idea is to accommodate any kind of venture that has potential.

There is a common misconception that it is only enterprises that have already been put out in the market that are often given a loan. This is not true, we lend an ear to any client that has a great idea and needs money to materialize the plan. We have separated our consultants to make it easier for our clients. Therefore, if you are looking for an agent with anything that has to do with business operations, you know who to call. You can also apply for a loan online if you are an existing customer

We will help you realize your dream

BNZ will never decide on behalf of a client which business direction they should take. As far as we are concerned, we will give you a long or short term loan whether you are doing construction or artwork. All that we usually require is some practicality as far as a business description is concerned. Therefore, what we really say is we welcome organizations of any nature on board.

Technology in the palm of your hand

Seeing that everybody tends to be a bit busy and doesn’t usually have time to come to our offices for financial matters, we have decided to bring BNZ to them. The BNZ internet banking and mobile app have made things so much easier for clients. All you have to do is enter your details and you can bank all you want! You can also use the online loan application to apply for one of our business loans

BNZ – Business loan

  • Loan Type Business loans
  • Interest Rate from 6.43%
  • Loan Amount up to $1,000,000
  • Repayment 12 months to 15 years

Benefits of BNZ

  • Fast and simple loan application
  • Business and asset finance options
  • Affordable loans

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

BNZ - A financial partner you can trust

We put a great deal of emphasis on our customers to read their credit agreements whether they're taking out a home loan of a small quick loan.

This is due to the fact that we don’t want them feeling like they were not told about any clauses or any matters that may occur in the near future.

Should a client not understand a certain section of the contract, they can always contact us and we will clarify everything. Although we expect the customer to read and understand the context prior to being sent the money, we don’t mind making them comprehend the agreement before and after the loan money has been transferred.

Obeying the private policy

BNZ has a strict policy about respecting private information of a fellow customer or even a colleague. We will never share your information with anyone.

Everything that we do is strictly confidential and will never be used for any other purpose. We know how difficult it must be for customers to supply us with their personal details. The last thing we want to do is betraying their trust.

Can I pay my loan early?

There is no problem with settling your loan sooner rather than later. We will applaud such behaviour instead of criticizing it. The way that we see it, if you have sufficient money at this present moment to settle your loan, we think that you should. We don’t see the point of delaying to make a payment. Once you have paid your loan, you have one less debt to worry about.

What if I have bad credit?

The extent of your bad credit will have to be assessed by us at BNZ. We may still be able to give you a bad credit loan to finance your business. However, that all depends on how bad or rather how good your credit profile is.

What if I miss a payment?

In the event of you not being able to pay your business loan, we recommend that you inform us as soon as possible. Clients usually wait on the date of the scheduled payment before they notify us that they have insufficient funds on their bank accounts.

Customer Reviews & Testimonials

They have helped me to get my coffee on a wheel up and running when I approached them about my business Idea they were happy to help me get my dream started.

Callan M
— Auckland —

They make sure to go the extra mile for all their clients when I found out about them through a mate of mine I turned to them and I have never looked back.

Leigh D
— Queenstown —

When getting my business loan through BNZ I felt very comfortable getting a loan through them because you could see by the way they helped me they cared.

Mary C
— Wellington —

BNZ Contact

Physical Address

Postal Address

  • Private Bag 39806 Wellington Mail Centre, Lower Hutt, 5045, New Zealand

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday Closed –
  • Sunday Closed –