Rating based on 18 reviews


  • Business loans starting from $20,000
  • Low-interest starting from 16.95%
  • Repayment up to 7 years

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

Kiwibank - a decade of providing credit

It was back in 2002 when we decided that Kiwis need better banking services. Kiwi Bank has been providing financial services for more than a decade.

Like any other bank, we often get judged that our rates are too high or that we take too long to respond to clients on their credit applications.

Change the way you think about finance

One of the things we wanted to change when we opened up some was that mentality. We then went out of our way to ensure that clients get reasonable interest rates on the business loans they apply for. Furthermore, we changed the perception that you have to wait for hours or even days on end to get feedback when you have applied for a loan.

Kiwi Bank has done everything in our power to ensure that we are not associated with any stereotypical bank behavior. After all, we may be a financial services provider, but we are not your average bank sector.

We pride ourselves in having excellent staff

Our service wouldn’t be exceptional if it was not driven by the greatest agents. Our financial consultants are one of the main reasons Kiwi Bank is still relevant even to this day. They are available on request to answer any financial related question you might have.

Furthermore, they have helped many business owners who wanted to finance their enterprise. If you are interested in speaking to one of our banking specialists, you can contact our offices. Alternatively, you can also make an appointment and come directly to us and we will gladly assist.

Kiwibank Services

If you are interested in applying for a quick cash loan, you can do so by applying online and completing the online application form.

What we normally require is for you to be as honest as you can when completing the application form because if you lie with the hopes that this will increase your chances of getting finance, we will ban you from applying in the future at Kiwi Bank. We don’t take lies and deceit too kindly and that is why we are looking for honest and reliable clients to work with.

How long it takes before you get a response

After you have completed your online application and submitted it to us for attention, you will need to send us certain documentation. The papers that we require are usually part of the verification process as we are trying to establish if there is consistency between the two loan processes.

The information that you stipulated on your online loan application form should be similar to the papers you have sent to us. If we find that there are discrepancies, we will contact you to clarify. However, if the discrepancies are too big of a deal of a discussion, we will terminate your credit application with immediate effect.

Option of changing your mind

If you have changed your mind and you no longer require credit funding for your business, you are welcome to cancel your business finance application and you will not incur any charges.

Kiwibank – Business loan

  • Loan Type Business loans
  • Interest Rate 16.9518.95% p/a
  • Loan Amount from $20,000
  • Repayment 6 months to 7 years

Benefits of Kiwibank

  • Flexible interest rates
  • You can make extra payments
  • Quick decision

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.

Kiwibank - A reliable credit provider

What are the requirements for business loans at Kiwibank?

To qualify for credit at Kiwi Bank, you need to ensure that you are above the age of 18 years. The last thing we need is to find out when we are at the last stages of the borrowing process that we are dealing with a minor.

Furthermore, you also have to have a stable operation that makes a reasonable amount of money in a year. The client has to be a New Zealand citizen or should at least have permanent residency to stay in New Zealand.

Lastly, you have to ensure that your business will be able to pay for the instant cash loan that you are applying for. Remember, it is your reputation and the reputation of your organization that is on the line. Nobody wants to jeopardize something they have worked so hard for.

Required credit 

If you don’t meet our lending requirements, we will have no choice but to decline your credit request. There is nothing else we can do. We may consider bad credit loan applications but you must meet the repayment criteria

Adhering to the terms and conditions

Reading the finer print can’t be overemphasized. Clients tend to get too excited and don’t read their contracts. The only time they want to read the agreement is when they have hit a financial glitch with the financial service provider. We urge all our customers to familiarize themselves with their agreements so that they know what they are responsible for in the long run.

Missing your payment

If you miss a payment, you will be liable for extra charges when you finally do make a payment. A continuous default on your repayments will ruin your credit profile and may even require that we involve third parties to deal with the matter.

Please don’t be afraid to speak to us if you are going through financial difficulty and we will see if we can’t try and assist you because when you have been labeled as a bad creditor, it takes years for your name to be cleared.

Customer Reviews & Testimonials

We have been with them for years and they understand that companies need to take loans to keep the company sustained for when the finances are not doing too well and they have always been there f...

Mandy L
— Auckland —

My friend told me about them when I was looking for funding for our new company vehicle and they were able to help me. The service was excellent and I would recommend them.

Sarah M
— Queenstown —

If you want them to get hold of you all you have to do is fill in the box on the first page and they will contact you in half an hour that’s how amazing their service is.

Debra L
— Wellington —

Kiwibank Contact

Physical Address

Postal Address

  • Kiwibank Limited Private Bag 39888 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