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BNZ - Flexible repayment terms

You could possibly withdraw your saving if you’re a member of KiwiSaver, it may help you build or buy your first home, plus you could be eligible for a grant that Housing New Zealand offers.

There are times that parents of a family member could perhaps help you to buy your first home if they are prepared to give some money towards your deposit or sign surety for your loan.

Personal loans

BNZ offer more than just home loans, you could apply for a personal loan to start a project or perhaps you want to arrange a major event such a wedding or you need to pay for an emergency bill, it doesn’t matter how big or small the personal loan amount is or what you want to spend it on, we are here to give you the assistance you need.

Our personal loan may also be used if you decide to that you need a debt consolidation so that you only have one loan repayment. Our loans generally permit you to borrow between $1 000 and $30 000.

Select your own repayment plan

Note that if you decide you want a longer-term personal loan, will mean that your repayments are of a lesser amount and you’ll be paying more interest and if you apply for a short term loan you could possibly save on the interest in the long run

We are quite flexible on our repayment structure. We can tailor your repayment to suit you and you can pay monthly, weekly or if so preferred every fortnight depending on your income structure.

Make use of our internet banking services so that you are able to manage your loan, you could also fill in a loan application online.

BNZ does offer bad credit loans, they are quick a quick approach so you are able to get cash for whatever you want to use it on, cover a bill, renovate your home, repair your vehicle or just go on a well-deserved vacation, it’s entirely up to you to use the funds as you wish.

Flexible repayment’s terms

Choose a repayment term that suits you and pays off your credit in a consistent month-to-month repayment we typically offer a period from 3 months to 5 years. There will be no extra charges for early settlement or if you want to make any extra installments.

If you are in need of more cash or Top up your loan

Once you have proven that you are responsible by paying regular payments and consistently each month, you can request a top-up loan or drawdown. You can draw down your credit within 21 days after it’s been endorsed. However, the interest could possibly be charged from the very first day of the credit term

To be eligible to apply for a loan online with BNZ, you need to be 18 years and older, you will need to be a permanent resident in New Zealand and have proof of your remuneration being paid directly into your bank account, be in possession of your identification or driver’s license.