Pay for one-off purchases

Borrow between $1,000 and $30,000 with an Advanced Personal Loan and get instant access^ to your money once you’re approved.

Your BNZ Advanced Personal Loan

Our Advanced Personal Loan is a fast and convenient way to get money for a big ticket item you’ve had your eye on or consolidate your debt.

Fixed terms

Pay off your loan in regular monthly repayments over a time period that suits, from three months up to five years. 

Flexible repayments

Pay extra off your loan, or pay it off all together, with no early repayment charges or additional payment fees. 

Easy to manage

You can view your loan balance or make repayments whenever you want to in internet banking.

Top ups

If you’d like to top up your personal loan just complete a new application, and we’ll get back to you.

Consolidate your debt with an Advanced Personal Loan

Make it easier to manage multiple sources of debt from credit cards, hire purchases, or an overdraft, by consolidating it all into one place.

What you need to know

Draw downs

You have up to 21 days to draw down your loan after it's been approved.


Interest will only be charged from the first day of the loan term.

Students or graduates

Request a call back if you're a student, recent graduate, or apprentice before starting your application. 

Protect yourself with Advanced Personal Loan insurance

Get help with your personal loan repayments if illness, an accident, bankruptcy or redundancy affects your income. Your premiums will be added to your monthly repayments.^ More about Advanced Personal Loan insurance

Personal loans help and support

If you need some help, call 0800 800 667

Small Print

Lending criteria apply. Advanced Personal Loan interest rate is variable and subject to change at any time. 

  1. Subject to being an existing BNZ customer.

  2. Advanced Personal Loan Insurance is arranged by BNZ and is underwritten by Cigna Life Insurance New Zealand Limited (Cigna). BNZ receives a commission from Cigna for arranging Advanced Personal Loan Insurance. BNZ does not guarantee the obligations of Cigna and will not be liable if Cigna refuses a claim. Cover is subject to the terms, conditions and exclusions contained in the policy document.

  3. Applicants must be aged 18 years and over and be a NZ resident. Available to individual personal banking customers only. A loan facility fee of $250 applies. 

Read our full personal loans terms and conditions