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.
Pay off your loan in regular monthly repayments over a time period that suits, from three months up to five years.
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.
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
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.
Lending criteria apply. Advanced Personal Loan interest rate is variable and subject to change at any time.
Subject to being an existing BNZ customer.
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.
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.