Compare Personal Loans

Comparison

How do you know which personal loan provider is the best for you? Here, you can review Independent research company, Canstar’s, Personal Loan Star Ratings 2016/2017.

Independently rated
the best value 

Independently rated
the best value

With so many options for personal loans in New Zealand, it can be easy to get confused as to which provider is the best option for you. Fortunately, independent and well-respected research company, Canstar, produces a report each year to compare all the options. Below, you will find the results of Canstar’s Personal Loan Star Ratings, December 2018.


Unsecured Personal Loan Comparison (Canstar NZ)

Company Product Advertised Rate (%) Amount
★★★★★
'Outstanding Value'
Harmoney NZ Unsecured PL A1-A5 Credit Rating 6.99% — 29.99% p.a. $2K — $70K
NZCU Baywide Secured PL – Orange    
The Co-operative Bank Personal Loan Unsecured A++ to A Credit    
★★★★
ANZ Bank NZ Fixed Personal Loan
Harmoney NZ Unsecured PL B1-B5 Credit Rating 6.99% — 29.99% p.a. $2K — $70K
The Co-operative Bank Personal Loan Unsecured B+ to B Credit    
TSB Bank Personal Loan Unsecured    
Westpac NZ Personal Loan Unsecured    
★★★
ASB Bank NZ Debt Consolidation    
ASB Bank NZ Personal Loan Unsecured    
BNZ Advanced Personal Loan    
Harmoney NZ Unsecured PL C1-C5 Credit Rating 6.99% — 29.99% p.a. $2K — $70K
Kiwibank NZ Personal Loan    
NZCU Baywide Unsecured Personal Loan - Green    
NZCU Baywide Unsecured Personal Loan - Yellow    
The Co-operative Bank Personal Loan Unsecured C to C- Credit    
★★
Gem Debt Consolidation Loan    
Gem Personal Loan Unsecured    
Harmoney NZ Unsecured PL D1-D5 Credit Rating 6.99% — 29.99% p.a. $2K — $70K
NZCU Baywide Unsecured Personal Loan - Blue    
The Co-operative Bank Personal Loan Unsecured D Credit    
Harmoney NZ Unsecured PL E1-E5 Credit Rating 6.99% — 29.99% p.a. $2K — $70K
(All information correct as at July 2019.) Rates as at July 2019. Personal Loans Star Ratings 2018.

Why should I compare and choose Harmoney?

Our Borrowers (312,000+ Kiwis and counting!) often tell us they chose Harmoney because of:


  • Our great rates
    Personalised interest rates from 6.99% to 29.99% p.a.*

  • We're super fast
    99% of loans are funded within 24 hours*

  • No paperwork
    Our application process is 100% online, and is a breeze to complete. Read more about the application process.

  • We win awards
    5 Star Canstar rating for value (A1 – A5), as well as thousands of 5 Star Ratings from our customers on Shopper Approved. Read the latest 100 customer reviews here, updated daily.

  • Our customer service is second to none.
    If you have any trouble, we're available to help on 0800 427 666.

Trust and Security

trust-shield

$750,000,000

in funded loans.

312,000 members

in our growing community.

Bank Grade Security

with 256-Bit SSL encryption.

   Harmoney is regulated by the Financial Markets Authority of New Zealand.

Do I need an Unsecured Personal Loan or a Secured Personal loan, and what's the difference?

One of the first questions you should consider is whether or not you wish to offer an asset as security for the loan. At Harmoney, all our personal loans are unsecured. This means you don't have to put up an asset, such as your car or house, as collateral to qualify for the loan. Read more about unsecured loans.

What do Canstar's ratings tell me?

Borrowing money can be a big decision for anybody. So taking the time to ready independently verified research about the products and providers can keep you well informed. Seeing transparent data side by side with other personal loan providers can make things clearer, giving you confidence to choose the right loan.

Anything else I should know about Personal Loans?

We have a great blog that goes through the ins and outs of Personal Loans. Check it out here.

Ready to begin?

Start an application now

Apply now

Or call 0800 427 666 (9am - 6pm)

Still have questions?

Further information on unsecured personal loans can be found on the Community Law website.