Rating based on 1,389 reviews
About BNZ Bank
We're one of the most well known and respected banks the country,
We offer customers credit cards, debit cards, personal loans, car loans and home loans, along with many other useful and competitive services such as Forex and international money transfers.
Competitive rates and flexible terms
With one of the best and most advanced banking infrastructures in the country, BNZ Bank truly moves mountains and, when it comes to personal loans we offer some of the best products and some of the most competitive rates and flexible terms - so you get more for less every time.
What BNZ Bank can offer you
With such flexible terms and competitive rates on our fast loans, BNZ Bank is confident that you'll find our services more convenient and affordable than those you'll find elsewhere.
In addition, we will always consider you on an individual basis and not just as another number.
About our flexible loans
We offer flexible personal loans from $1,000 to $30,000 at an affordable interest rate of 17.85% per annum. You can choose a loan amount and loan term that fits your needs and budget precisely - we're a flexible lender and will always do our best to customize each and every loan.
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In a Nutshell
- Average processing time 72 hours
- Online application
- In-store application
- Unsecured loan option
- Secured loan option
- Early repayment
At BNZ our loans are affordable and easy to get, apply online today
Our loans can be utilized as a debt consolidation solution since they are competitively priced and even available to people a few missed payments in their past.
You also do not need to provide security to obtain a small loan at BNZ Bank which means that you can qualify easily.
Quick loan application and turnaround times
When you apply for a cash loan from BNZ Bank we will only request your basic details and ensure that your application is processed quickly and accurately. These details include your name, address, contact details and employment information as well as all the necessary supporting documents.
Branch and ATM finder
For all of our customers in New Zealand, we have a map locator so that you will be able to find us or for our banks. We have made sure that everyone will be able to access the branch and atm finder all you have to do is click on it and you will be able to see where we have branches in the main centres and North Island and South Island.
Our interest rates and application fees
We have an application fee of $50 that will be for all applications that we will process. Please note that when you apply you have to be 18 years of age. Our interest rates may change and vary from one year to another and also so there are different rates for the types of loans that we offer. You have 21 one days from when your loan has been approved and allocated to you to draw it down.
Our application process
When you go and click on apply you will see that there is a mini questionnaire and no application. Do not worry all you have to do is answer the questions and if the questions have been answered correctly you will be able to proceed to the online application.
Once your application has been sent through you can sit back and relax and we will get back to you sooner rather than later.
Eligibility & Requirements
- Stable address history
- Over 18 but under 65
- Must be under 65 years old at the end of loan term
- NZ resident
- Employed full-time
- Earning a stable income
- Credit check
- Good credit history
- Bank statements
- Proof of address
Other Products & Services
- Everyday Banking
- Credit Cards
- Home Loans
- Personal Loans
Customer Reviews & Testimonials
When I needed a needed help applying for a loan I had the best services from BNZ Bank and I got my loan fast
— Chirstchurch —
I had a query about taking out a personal loan I was met with the best service and friendly people at BNZ
— Chirstchurch —
- 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 –