Rating based on 495 reviews
About BNZ Bank
BNZ Bank is one of the leading banks in the country with some of the best and most advanced banking technologies and the lowest rates available in New Zealand.
Whether you’re looking to switch to BNZ for more affordable banking or take out a business loan – we’ve got the best deals at the lowest rates!
Our sheer weight and size are what allows us to control our rates and offers independent of our local and international competition. We’re a bank that simply strives to achieve more, do better and help our customers achieve the financial freedom we believe they deserve.
What BNZ Bank can offer you
At BNZ Bank we offer banking and lending services to individuals, businesses and institutions and are proud of our flexibility and comprehensive range of services and products.
With all that, we offer it’s safe to say that when customers choose us they never need to look elsewhere to have their needs met.
Consolidating your bad debts
Whether it’s one too many credit cards, hire purchases or store cards that have got you tied up – we can offer you a personal loan of up to $30,000 that can be used to consolidate your debt into one, a more manageable loan with a lower interest rate.
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In a Nutshell
- Average processing time 48 hours
- Online application
- In-store application
- Unsecured loan option
- Secured loan option
- Early repayment
We’re a bank that simply strives to achieve more
Our annual interest rate on debt consolidation loans is just 17.85% - a rate that essentially guarantees you’ll save money by combining your debts into one easier to manage BNZ Bank loan.
We offer loan terms from 6 to 60 months – which means you can choose a longer loan term and lower the monthly instalments to make your debt easier on the budget.
Applying online for a loan
Unfortunately, we require you to be an existing customer to get a debt consolidation loan with us. If you are interested in our fantastic products and are not a client, we strongly recommend that you switch to us today and begin your journey to financial well being and success. We offer a 100% online loan application for existing customers and we strive to get back to you in 24 hours or less.
How has debt consolidation work for customers?
When you are applying for a number of loans, the interest charges tend to be a bit higher and costly. In the long run, the customer has little to nothing left to spend on other necessities. When you get a debt consolidation, you will be able to settle most if not all of your loans and will only have one credit plan to pay. This type of credit has simplified a lot of credit problems for customers.
How long will it take to have my debt consolidation loan approved?
We always want to work as fast as we can after receiving a loan application from the customer. Depending on the time you applied, we might give you feedback on the very same day or preferably the next. We are aware that customers usually want to make use of the money right away and that is why we will never delay your credit request. Our agents are always working around the clock to ensure that you get your loan approved.
Can I apply for an additional loan?
If you would like to apply for another debt consolidation loan, we will have to look at how you are currently paying the one that you have and whether you can afford another credit plan.
Eligibility & Requirements
- 18 years or older
- NZ resident
- Employed full-time
- Credit check
- Recent pay slips
- Bank statements
- Proof of address
Other Products & Services
- Home Loans
- Credit Cards
- Personal loans
Customer Reviews & Testimonials
When I came to BNZ Bank, I knew my debt consolidation problems would be resolved. I was impressed to see that the staff wants to see that I have been assisted with all the information that I need regarding a loan. Finding an organization that has their client’s best interest at heart is truly rewarding to see.
— Albany —
I was looking for money and I knew BNZ Bank would be the bank that could help me. They didn’t waste time. As soon as they received my documents and necessary paperwork, the money was deposited into my bank account within one day. For me, that shows that this is one bank that wants to help you move forward.
— Albert Town —
Finding a bank that didn’t want to overburden my budget with a costly wasn’t the aim of BNZ Bank. Instead, they wanted to ensure that I still have an excess of money to do all the other necessary financial chores that need to be paid for on a monthly basis. BNZ Bank cares about the financial being of their customers.
— Albury —
Having been assisted by consultants who go out of their way to ensure that the customer is happy was an amazing feeling. It is rewarding to know that there is still a bank that cares about its clients and it shows by how greatly treated by the staff. Keep up the good work BNZ Bank.
— Albury —
- 0800 275 269
- 262 Queen St, Auckland, Auckland, 1010, New Zealand
- Private Bag 39806, Wellington Mail Centre, Lower Hutt, 5045, New Zealand
- 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 –