Rating based on 41 reviews


  • Student loans up to $10,000
  • 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 - Affordable student loans

Kiwibank has been operating since 2002 with one common goal in mind: helping clients get ahead in life with their education.

Seeing that schooling is important and it has the possibility of enhancing your life, it should never be taken for granted.

At Kiwibank, we give customers the opportunity of upgrading their lives and moving from one level to the next. In all the years that we have served, we will never let our clients be left without a student loan.

Kiwibank cares deeply about our environment

Seeing that we live in a world that is full of havoc and disasters, the least you can do is take care of the environment.

There will never be another kind, so it is best to do what is right and protect it by ensuring that everyone gets a piece of the natural pie.

If you don’t protect it, your children’s children will never have the pleasure of enjoying the beauty that Mother Nature has.

Kiwibank takes the environment quite seriously and with everyone pitching in to help, the environment can surely be a better atmosphere.

We have started an initiative of planting trees for the year 2017 and 2018.

Kiwibank Services

There could be a number of reasons that may make you apply for a student loan. For starters, everyone wants to have a better life and that can only be achieved if an individual invests in education by going to school to ensure that they are one step closer to their dreams.

When we accept your student loan application, we are assisting you in following your academic passion. There are a number of aspects we take into account when you apply for a student loan.

Requirements needed for a student loan

For starters, you have to be a New Zealand citizen and if you are not, you have to possess permanent residency to reside in New Zealand. Secondly, the client has to be above the age of 18 years and we should be able to get proof that he is in university or college.

If you are applying for credit while you are still working, you need to furnish us with your employment information. The last thing you need is applying for a loan you might not be able to pay. Therefore, it is important that you apply for a loan that you are certain you will have money for.

Seeing that you might need financial assistance in the future, you need to have a good credit name. One can never be too sure when they will need a loan again.

Kiwibank – Student loan

  • Loan Type Student loans
  • Interest Rate 16.9518.95% p/a
  • Loan Amount up to $10,000
  • Repayment 6 months to 7 years

Benefits of Kiwibank

  • Interest rates are fixed
  • Repayment terms are flexible
  • Easy online application

Student 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 - Fast, reliable student loans

Although we often encourage our clients to finish one personal loan repayment before applying for another one, we don’t want to stand in anybody’s way especially when they meet the credit criteria.

Therefore, the same processes will be followed and if everything is in order, the money will be deposited into your banking account within one or two business days for your perusal.

Making early payments

We will never stop the customer from paying their credit plan before the scheduled date. If anything, we will compliment such activity because it goes to show how serious the client is about fulfilling their financial obligations.

Making late payments

If you pay your credit, late, you will be liable for extra charges. We know that you might not be able to pay every time due to unforeseen circumstances. However, you need to inform us as soon as possible. Don’t wait until it is too late to notify us because we will deem it as a late payment that was purposeful.

Having a bad credit

We know that people may have bad credit history but we will automatically be declined on an application due to having a history of bad credit. We usually advise our customers to apply for our student loans and we will see whether they meet the criteria or not. However, we believe in giving clients second chances and we will be happy to assist.

Being financially healthy is key

We always encourage our customers to never spend money they don’t need. It is imperative to only apply for short term loans that are not only necessary but also affordable.

At the end of the day, we want to see that our clients are financially stable and competent to handle any debt that they may have in the future.

Since you can never predict what financial crisis you may have, it is better to always be in the good books of the credit law so your applications are always a smooth process. Above everything else, financial freedom is key.

Customer Reviews & Testimonials

Using the Kiwibank website was quite convenient. Everything was self-explanatory and saved me a lot of time.

Oliver K
— Napier —

I will always choose Kiwibank because they have taken all financial positions into consideration.

Hunter S
— Rotorua —

I would have never been able to close all my student debts if it weren’t for the loan I got at Kiwibank.

William T
— Hamilton —

Kiwibank Contact

Physical Address

Postal Address

  • Kiwibank Limited Private Bag 39888 Wellington Mail Centre Lower Hutt, 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