BNZ customers
Log in to Internet Banking or the BNZ app and select Apply now from the menu.
If you don’t have access to Internet Banking, find out how to register.
How to apply for a personal loan
Most BNZ customers can apply through Internet Banking or the BNZ app.^
If you’re not a customer, you’ll have to open a transactional account with us before you can apply.
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Ways to apply
Log in to Internet Banking
Not a BNZ customer
- You’ll need to open a transactional account with us first.
- Once you’ve opened an account, log in to Internet Banking or the BNZ app and select Apply now from the menu.
Debt consolidation or non-residents
Call us on 0800 275 269 or visit a BNZ branch if you:
- want to consolidate existing debt
- are a non-resident living in NZ.
Before you apply
Check if you’re eligible
Before you apply for a personal loan, check that you’re eligible. For example, you’ll need to be 18 years or older.
Gather your information
You’ll need to gather details about your financial situation, for example:
- income
- value of your assets
- regular expenses
- debts.
Understand what we review
When we review your application, we look at things like your credit score and debt. Understanding these, and following our tips, may improve your chances of approval.
Personal loans help and support
If you don’t have access to online banking, or would like to discuss your personal loan options, call our team on 0800 800 667.
Lending criteria apply.
Non-residents who have permanent employment may be eligible to borrow up to $10,000. More about non-resident eligibility.
Use of the BNZ app and Internet Banking services are subject to the BNZ Internet Banking Terms and Conditions. Maintenance sometimes required.
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.
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