Rating based on 43 reviews

BNZ Bank


  • Low-interest starting from 6.43%
  • Business loans up to $1,000,000
  • Repayment up to 15 years

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Author BNZ Bank. Screenshot of BNZ Bank website. [Accessed May 23, 2018]

About BNZ Bank

At BNZ Bank we believe that entrepreneurship is the cornerstone of our economy and we take pride in offering local businesses financial and banking service that keep them strong even when the economy is taking a hit.

We’re here to support you from start-up to expansion with our superior and competitive business finance solutions.

Reducing fees and interest rates for small businesses

It’s no secret that business banking and finance can cost a small business big money. At BNZ Bank we will ensure your needs are evaluated accurately prior a loan offer is made so that we can ensure you never have to pay excessive fees and interest rates because of a simple miscalculation or misunderstanding.

What BNZ Bank can offer you

We offer loans for businesses, finance solutions for farming and agricultural businesses and loans for medium to large businesses with a turnover in excess of $1 million per annum.

We have some of the most flexible and affordable loans on the market and have won numerous awards for being the best small business bank in the country.

A range of products and services designed for success

Apart from our low rate personal, car and home loans we offer some of the lowest fees on our transactional banking accounts and credit cards and boast some of the country’s most flexible business loan products – designed to ensure the success of your business through all its growth stages.

BNZ Bank Product Details

  • Loan Type Business loans
  • Interest Rate from 6.43%
  • Loan Amount up to $1,000,000
  • Repayment 12 months to 15 years
  • Decision 24 to 48 hours

We take pride in offering local businesses financial and banking service that keep them strong

If you’re ready to take your business to new heights, then it’s time to make your online loan application with BNZ Bank.

Our application form is short, simple and will only take a few minutes to complete after which a consultant or loan manager will get in touch with you to complete the process.

Getting your business back on track – FAST

Being a business owner’s means that you’re always busy and trying to juggle many things at the same time. We understand that the last thing you want is to have to spend hours applying for a fast loan and days waiting to hear the outcome. As a modern online lender, we pride ourselves in our ability to offer fast online credit solutions to our customers.

We have the loan for you and your company

We offer you asset loans working capital and cash flow loans for your company. We find that most companies are lending for the new vehicle that they need for delivery and that is why we offer you the asset loans. We also offer you working capital the more capital you have the better and smoother your company will run. We have got you in mind for the next loan we offer you a cash flow loan. Your company may need a cash flow loan to keep your company going while you wait for your payments to come in and that is what we offer you.

Making sure you have answered all the questions

Please make sure that when you answer your questionnaire that you answer all the questions and that you do not leave any answers blank unless they do not acquire you to fill them in. Please make sure that you upload all of the documents that we have mentioned in the above section and that it has attached correctly before you send in your application.

Our rates and service prices

Our company has rate fees for our applications that you submit there are fees on your personal or business loans as well these fees will get discussed with you if you are approved for your loan.

Customer Reviews & Testimonials

February 2019

I dealt with a fairly easy online application and later very competent staff over the phone when I was following up on some queries on my loan account. It is a very well organised and well-run le...

David C
— Christchurch —

February 2019

I was shocked at just how simple and easy it was to apply for and get approved for my business loan with this lender. It was recommended to me by another business friend and now I understand why!...

Erik R
— Hastings —

March 2019

This was my first time ever applying for a loan of any kind, never mind a business loan. I was terrified initially, but I had such wonderful assistance with my entire process from start to finish...

Denise H
— Auckland —

BNZ Bank Contact Details

Contact Number


  • not available


Physical Address

Postal Address

  • Private Bag 39806 Wellington Mail Centre Lower Hutt 5045

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed