Rating based on 26 reviews

Heartland Bank


  • Low-interest starting from 9.95%
  • Business loans up to $250,000
  • Repayment up to 5 years

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Heartland Bank homepage

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

About Heartland Bank

Get the sustainability and growth your business needs with the right business loan.

Heartland Bank is one of New Zealand's oldest, most well-established, and competitive banking, finance, and lending institutions. They're proud of their long history, proud of their expert products and services, and proud of their people.

They make everyday banking as simple as they make business finance, insurance, and everything else.

Expert business loans

At Heartland Bank, their focus is primarily on the private, business, and rural sectors, and, unlike their competitors, they see you as more than just a number in a system.

They interact, assess, and assist each customer on an individual basis making sure to tailor every business loan package to suit their particular needs precisely.

What Heartland Bank can offer you

At Heartland Bank, they cover a range of services and products, just like any major bank in the country; from everyday banking accounts to savings and investments. They have taken ordinary and made it extraordinary. They also offer home and car loans to the everyday Kiwi and have a range of insurance products to offer.

What Heartland Bank can offer you

Heartland Bank believes in you and they believe in your business.

With them, you can enjoy a range of business loan solutions that are tailored to suit your cash flow and business needs to the point of perfection. Whether you're looking for asset finance or a small business loan - they've got it all.

You can borrow up to $100,000 over up to 5 years with them.

They make everyday banking simple

One of the biggest considerations for Heartland Bank is making their personal loans, business loans, and other financial products and services readily available to all New Zealanders. Whether you live in the city or in the most rural of locations - they are accessible both via the internet and in-branch.

Their business loan rates and fees

Get affordable tailored rates and fees depending on your application and what loan you are going to be taking.

Keep in mind that their company offers many kinds of loans, hence why one of their brokers will contact you to discuss your fees and rates, once your business loan has been approved.

Heartland Bank Product Details

  • Loan Type Business loans
  • Interest Rate 9.95 – 26.70% p/a
  • Loan Amount up to $250,000
  • Repayment 12 months to 5 years
  • Decision 24 hours

We make everyday banking as simple as we make business finance

If you're ready to apply for a business loan you can fill in their online contact form and they will get back to you.

Alternatively, you can contact them telephonically or make your way to one of their branches to speak to one of their relationship managers and get your business needs assessed.

Step 1:

You can use their business loan NZ calculator to help you get the loan that you are looking for. They encourage you to use the loan calculator as you are able to see how much you would like to borrow and how much you will be paying back over how long.

You can play around with numbers until you get the perfect business loan for your needs. You will also be able to see the rates that will be charged.

Step 2:

Provide them with your business income, expenses, liabilities, and assets for them to determine your risk and how much they can approve you for.

Step 3:

Receive the funds.

Heartland Bank offers you the ability to get your business started

If you have a brilliant idea for a business and need a loan to get you started, all you have to do is apply.

They will ask you for your business plan and help you get your dreams started and make them a reality. Become your own boss while having the company of your dreams through their carefully designed business loans. Get started by clicking on apply now.

Benefits of a heartland Bank business loan

  • Low business loan rates.
  • Immediate cash payouts.
  • Enjoy giving your business a boost the easy way.
  • Terms up to 5 years.
  • Business loans up to $100,000.
  • Tips and business guidance.
  • Safe and secure applications.
  • Multiple credit options for any kind and size of business.
  • Save time while they do the hard work for you.
  • Less fuss, less stress, and super-fast solutions.

Customer Reviews & Testimonials

August 2020

I got great service when I needed help all I did was phone and within minutes all my questions had been answered.

Nikki W
— Dunedin —

November 2020

When I applied for my first loan I was helped couldn’t be more grateful.

Shawn B
— Walton —

August 2021

Running a business is no child’s play, having the right lender in your corner, like them, is crucial when you need a fast way out of a tight spot.

Hill T
— Wellington —

August 2021

Got the cash flow I needed from them in the quickest time. They are very efficient.

Harris V
— Queenstown —

February 2022

It’s amazing to work with a company that listens and gives fast solutions. They were very helpful and gave me exactly what I needed in a swift manner.

Smith W
— Nelson —

Heartland Bank Contact Details

Physical Address

Postal Address

  • PO Box 9919, Newmarket, Auckland, 1149, New Zealand

Opening Hours

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