Personal Loans
With a personal loan you can make things happen. Plus, you can pay your loan off faster to save on interest, with no early repayment fees. Check your eligibility in just 2 minutes online – why not do it right now?
Check your eligibility
We'll ask you a few quick questions about your circumstances to help you check your eligibility.
This won't affect your Credit Score
Personal Loan
Personal Loan
Consolidating debts? Buying a car? Getting married or taking a trip? Let's do it with a Personal Loan.
- Loan amounts from $2,000
- Loan terms from 1-7 years
- Fixed rate for the life of the loan
- No early repayment fees
- Establishment fee of $199 applies
Download Terms & ConditionsWhy choose a Personal Loan?
Let’s talk loan details
| Fixed rate | For the life of the loan |
| Loan amounts | From $2,000 |
| Repayments | Weekly, fortnightly, or monthly |
| Loan terms | 1-7 years |
| No early repayment fees | Pay your loan off sooner, at no extra charge! |
| Establishment fee | $199 |
| Late fee | $35 if you don't make the minimum repayment by your agreed due date |
How to apply
- Check your eligibility online in 2 minutes without impacting your credit score
- Complete your application
- Provide any required documents such as payslips and identification
- Once assessed against our lending criteria, if approved, securely accept your loan contract online
- Once step 4 is complete, the money should be in your account within 24 hours
Eligibility
You must:- Be 18 years or over
- Be a permanent NZ resident, or hold a work permit/visa allowing you to reside in New Zealand
- Be earning a stable income
Apply for a Personal Loan
Apply online
Apply online and we'll get back to you within 24 hours in most cases (excludes Sundays). If you need any help with your online application call us on 0800 549 454.
Apply by phone
You can speak with one of our specialists over the phone to place your application. Call us within New Zealand on 0800 549 454 or +64 9218 7953 if outside of New Zealand.
Frequently asked questions
About my Latitude Personal Loan
Application and approval
Fees, charges and interest
Important information
^Personal Loan
Personal Loan rates are 13.95% p.a. for Kiwibank Home Loan customers or 18.95% p.a. for our standard personal loan rate. The interest rate and repayment amount remain fixed for the life of the loan. If you choose to pay your loan off sooner, we will not charge you an early repayment fee. Credit and lending criteria and fees apply, including a $199 establishment fee that is added to your loan amount. Credit provided by Latitude Financial Services Limited.
Example: A Personal loan of $20,000 borrowed for three years with an interest rate of 18.95% p.a. (fixed for the life of the loan) would equate to a total repayment amount of $26,637 (including a $199 establishment fee).
Complaints:
We know that sometimes things don't go as well as they should, and problems arise. If this happens to you, please let us know so we can fix the problem. Call us on 0800 588 002
Our staff will take immediate action to address your concern; if it is not resolved, it will be escalated to our Customer Resolutions team, who will further investigate and resolve the matter with you or your authorized representative. If you believe your complaint has not been resolved, you may want to refer the matter to an external dispute resolution service. We are a member of the Insurance & Financial Services Ombudsman Scheme (IFSO). This scheme independently and impartially resolves disputes between consumers and participating financial services providers and is free to consumers. You can contact them on the below details:
Insurance & Financial Services Ombudsman Scheme
PO Box 10-845
Wellington 6143
Phone: (04) 499 7612
Email: info@ifso.nz
Website: www.ifso.nz
Hardship:
If you're experiencing financial hardship, please contact our Hardship Care team on 0800 433 033 to discuss available options.