Back to Rates and fees

Personal loans

If you have a personal loan with us that is not on sale, you’ll find the rates and fees below:

Anytime Personal Loan


Interest rate

19.20% p.a.

Account fee

$15 half-yearly

Personal Loan insurance premium

47c per $100 balance at statement cycle

Cash advance fees

Electronic within NZ - $1

Over the counter within NZ - $3

Overseas - $7.50

Late payment fee


Foreign currency service fee^

2.25% of the NZ dollar value of every Foreign Currency Transaction (as defined in the relevant personal loan terms and conditions). The Bank does not charge a foreign currency service fee on purchase reversals, purchase refunds, ATM reversals and chargebacks. For those transactions (not including purchase refunds) we credit a foreign currency service fee that is calculated as a percentage of the New Zealand dollar value of the reversal or chargeback.

Statement copy fee


Voucher copy fee


Over limit fee


Monthly base and account management fee^

Interest free days Up to 55 days
Minimum monthly repayment 2% or $25, whichever is more

No Account Fees apply for the following: 

No account fees for 5 transactions per month (including minimum monthly payment calculated as a percentage of the outstanding balance and charged automatically). $2.50 per transaction applies after first 5 transactions. Service Fees may apply.