Rating based on 26 reviews

Heartland Bank


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

In-page navigation

Heartland Bank homepage

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

About Heartland Bank

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

We make everyday banking as simple as we make business finance, insurance and everything else.

Experts who know what they're doing

At Heartland bank our focus is primarily on the private, business and rural sectors and, unlike our competitors we see you as more than just a number in a system. We 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 we cover a range of services and products, just like any major bank in the country; from everyday banking accounts to savings and investments we have taken ordinary and made it extraordinary.

We also offer home and car loans to the everyday Kiwi and have a range of insurance products to offer.

Loans for businesses

We believe in you and we believe in your business. At  Heartland Bank we specialize in offering a range of business finance solutions which 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 - we've got it all!

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

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

Contact us today to apply

If you're ready to apply for a business loan you can fill in our online contact form and we will get back to you. Alternatively, you can contact us telephonically or make your way to one of our branches to speak to one of our relationship managers and get your business needs assessed.

We offer you the ability to get your business started

Yes, that is right do you have a brilliant idea for a business and need a loan to get you started well all you have to do is apply. We will ask you for your business plan and help you get your dreams started and make it a reality. We would like to offer you the opportunity of becoming your own boss and having the company of your dreams let’s start by applying for your loan all you have to do is click apply now and get started.

Our rates and fees

Our rates and fees depend on your application and what loan you are going to be taking. Keep in mind that our company offers many kinds of loans and that is why when you have been approved our brokers will contact you and discuss your fees and your rates that you will be paying for our services.

Using the loan calculator  

Yes, you can use the loan calculator to help you get the loan that you are looking for. We encourage you to use the loan calculator as you are able to see how much you would like to loan and how much you will be paying back on the loan. You can play around with numbers until you get the perfect loan for you. You will also be able to see the rates that we will charge on your loan from the amount you have chosen.

Customer Reviews & Testimonials

August 2018

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 2018

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

Shawn B
— Walton —

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