Rating based on 12 reviews


  • Personal loans up to $30,000
  • Low-interest starting from 12.68%
  • Repayment up to 5 years

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

Bank of New Zealand is helping businesses grow

We are proud that we have always played the key role in our country’s economy, national and on a local level. Our assistance is offered to businesses in order for them to grow and achieve their goals.

We believe that success is by providing when there are a variety of innovative business solutions, this result means more jobs are created and Kiwis are given the chance to achieve and sustain the lifestyle in which they accustomed to.

A range of loan solutions

BNZ offers assistance to individual clients to empower them to achieve some of their greatest and most significant motivations. Have you been wanting to settle and perhaps been thinking of buying your dream home, we offer home loans as well as investment and retirement schemes that have been designed to allow all New Zealanders to be in a position to provide for the future.

We have your financial needs covered

Our workforce is different, so this permits us to accommodate the needs of our clients to the fullest. We also believe in providing the community with a variety of initiatives which contributes to the sustainability progress of our county. Take back the control of your budget and make life a bit more bearable. You are able to take out a personal loan of between $1 000 and $30 000.

BNZ Services

If you’re thinking of getting married or you want to start a new project maybe even organising a major event? It doesn’t matter how big so small your requirement is because we are confident that BNZ personal loans will be able to assist.

Use a personal loan to consolidate your debt. Perhaps you are feeling the pressure because of you’re not covering your credit card, store accounts or any other small accounts you may have. A consolidation of debt allows you to roll all your accounts into one debt consolidation loan account and only have one repayment to worry about

Choose your own repayment term

A long-term loan personal loan will result in you repaying smaller personal loan monthly repayment will bring a shorter term, in the long run, a shorter term will save you interest. We repayment plan is flexible; it could also be tailored to your affordability. As soon as your application has been approved you will have instant access.

Apply conveniently online

Apply for your personal loan on our online platform, you are also able to make use of our internet banking service in order to manage your loan as and when you need to. We offer an advanced personal loan for bad credit; this could help you get back on track with your finances sooner than you think. BNZ, Wellington will guide you in the right direction for a personal loan and you have a bad credit (personal bad credit loan)

BNZ – Personal loan

  • Loan Type Personal loans
  • Interest Rate 12.6818.95% p/a
  • Loan Amount up to $30,000
  • Repayment 3 months to 5 years

Benefits of BNZ

  • Fixed monthly payments
  • Loan top ups
  • Flexible repayment terms

Personal 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 - Quick affordable personal loans

Our approach to bad credit loans is that they are quick and the advantage is that you can use the money for almost anything you choose.

From purchase something and spoil yourself, perhaps you need to have your car repaired or renovate that kitchen you’ve been wanting to do for so long, you could go on a much needed holiday to wherever it is you would like to go or you could cover unpaid bills. It really doesn’t matter the funds are you to spend as you wish. A Repayment that’s flexible and tailored to suit your pay date not forgetting your budget.

Pay off your personal loan consistently on a month to month basis over a term that is suited to your requirements. You have the choice of repaying your loan between three months and five years, we also do not charge extra fees for early settlement or if you are in a position to make any extra instalments on your loan account.

You can top up your loan account whenever you have an emergency

Prove to us that you are responsible by making regular repayments which are consistent and we will top up your fast cash loan when you are in need. Once your credit has been permitted you have 21 days to do a draw down (redraw) on your loan account. There is a possibility that interest may be charged from the first day of your credit term.

You will need to be 18 years of age or older, it is essential to be a permanent resident of New Zealand and you can prove that you have a monthly income paid directly into your bank account.

Protect yourself with a BNZ advanced personal loan protection plan

It’s wise to protect yourself in the case of death, disease or anything that may affect your ability to keep up your repayments on your personal loan account. The premiums are typically added to your monthly repayments. It quick and easy and the funds will be in your bank account the very next working day

Apply for a loan online with BNZ; we also cater for blacklisted individuals BNZ would love to get you back on the road concerning your finances.

Customer Reviews & Testimonials

My thanks goes to the consultant who helped me with that small query regarding my loan contract. Thanks for your help and for being so efficient.

Mateo H
— Gisborne —

I paid off my personal loan before the end of my term and there were no extra fees to pay. This kind of flexibility and convenience is why I am a loyal BNZ customer.

Amber C
— Hamilton —

They’re transparent and explain everything to you. That way you don’t have to stress about anything because they help you understand the terms of your loan.

Rachel C
— Hastings —

BNZ Contact

Contact Number


  • not available


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 –