A great way to make that purchase you’ve been thinking about. Whether it’s a new set of wheels, those long-awaited renovations or a relaxing holiday. Plus save on interest by making additional repayments for free.
PERSONAL LOAN At a glance Borrow from $1,000 Borrow between $1,000 and $30,000 and get instant access to your money once you're approved1. Fixed interest rate Your interest rate is fixed for the length of the loan, so you'll rest easy knowing exactly how much your repayments will be. Flexible repayments Align your repayments with your pay cycle, you can choose weekly, fortnightly or monthly repayments. PERSONAL LOAN Apply online in minutes Applying for a personal loan is easy. You can do it all online anytime, anywhere. This process is likely to take around 10-15 minutes to complete. To apply online you'll need to: be 18 years old or over have a valid New Zealand Passport or New Zealand Driver's Licence use a smart phone or computer with a web cam have a minimum income of $18,000 p.a. have three months bank statements available be a New Zealand citizen or permanent resident read and agree with our Privacy Policy apply now ONLINE & MOBILE BANKING Easy to manage View your loan balance or make repayments whenever you want to in online banking or our mobile app. WAYS TO BANK COMMON QUESTIONS From our customers How much can I borrow? The amount you can borrow will depend on your current financial situation, but you can apply for any amount between $1,000 to $30,000. The best way to find out exactly how much you’ll be able to borrow is to contact one of the team – they’re happy to help. How long will it take? Our quick and easy online application means you could be approved within 10 minutes. How much could repayments be? We’re dedicated to putting our customers first and will work with you to ensure you’re not borrowing more than you can afford to repay. The amount you repay will depend on how much you borrow, how often you’d like to make repayments (weekly, fortnightly or monthly) and how quickly you’d like to pay off your loan (1 year – 5 years). You can choose to make smaller repayments for a longer period of time, or choose to make larger repayments over a shorter term in order to reduce the amount of interest you pay. The fixed interest rate also makes budgeting easy because you know exactly how much you’re paying and when, so you can relax knowing there will be no nasty surprises. How do I make additional repayments? You have the freedom to pay off as much extra as you’d like, and the flexibility to do it whenever and however you want. You can use Mobile or Online Banking to transfer any amount to your loan. Otherwise you can pop into a branch or simply call us and we’ll do it for you – all free of charge. Can I top up my current personal loan? If you’d like to increase the amount you’ve borrowed, just contact us to fill out a new application. OTHER OPTIONS TO Consider When borrowing money, there are a few alternatives to consider. The best solution will depend on your personal finances, what you’re wanting to buy, and how you’re planning to pay the money back2. Getting Started APPLY NOW Call 0800 872 226 FIND A BRANCH Don't forget to read this bit 1. TSB onboarding criteria applies 2. TSB does not provide financial advice via this website Terms and Conditions – refer to the terms and conditions of your loan. Take a look at our Disclosure Statement or grab a copy from your local branch. TSB’s current assessment lending criteria, lending terms and conditions, interest rates and fees apply. Use of accounts and services are subject to TSB’s General Banking Information.
Borrow from $1,000 Borrow between $1,000 and $30,000 and get instant access to your money once you're approved1.
Fixed interest rate Your interest rate is fixed for the length of the loan, so you'll rest easy knowing exactly how much your repayments will be.
Flexible repayments Align your repayments with your pay cycle, you can choose weekly, fortnightly or monthly repayments.
PERSONAL LOAN Apply online in minutes Applying for a personal loan is easy. You can do it all online anytime, anywhere. This process is likely to take around 10-15 minutes to complete. To apply online you'll need to: be 18 years old or over have a valid New Zealand Passport or New Zealand Driver's Licence use a smart phone or computer with a web cam have a minimum income of $18,000 p.a. have three months bank statements available be a New Zealand citizen or permanent resident read and agree with our Privacy Policy apply now
ONLINE & MOBILE BANKING Easy to manage View your loan balance or make repayments whenever you want to in online banking or our mobile app. WAYS TO BANK
COMMON QUESTIONS From our customers How much can I borrow? The amount you can borrow will depend on your current financial situation, but you can apply for any amount between $1,000 to $30,000. The best way to find out exactly how much you’ll be able to borrow is to contact one of the team – they’re happy to help. How long will it take? Our quick and easy online application means you could be approved within 10 minutes. How much could repayments be? We’re dedicated to putting our customers first and will work with you to ensure you’re not borrowing more than you can afford to repay. The amount you repay will depend on how much you borrow, how often you’d like to make repayments (weekly, fortnightly or monthly) and how quickly you’d like to pay off your loan (1 year – 5 years). You can choose to make smaller repayments for a longer period of time, or choose to make larger repayments over a shorter term in order to reduce the amount of interest you pay. The fixed interest rate also makes budgeting easy because you know exactly how much you’re paying and when, so you can relax knowing there will be no nasty surprises. How do I make additional repayments? You have the freedom to pay off as much extra as you’d like, and the flexibility to do it whenever and however you want. You can use Mobile or Online Banking to transfer any amount to your loan. Otherwise you can pop into a branch or simply call us and we’ll do it for you – all free of charge. Can I top up my current personal loan? If you’d like to increase the amount you’ve borrowed, just contact us to fill out a new application.
How much can I borrow? The amount you can borrow will depend on your current financial situation, but you can apply for any amount between $1,000 to $30,000. The best way to find out exactly how much you’ll be able to borrow is to contact one of the team – they’re happy to help. How long will it take? Our quick and easy online application means you could be approved within 10 minutes. How much could repayments be? We’re dedicated to putting our customers first and will work with you to ensure you’re not borrowing more than you can afford to repay. The amount you repay will depend on how much you borrow, how often you’d like to make repayments (weekly, fortnightly or monthly) and how quickly you’d like to pay off your loan (1 year – 5 years). You can choose to make smaller repayments for a longer period of time, or choose to make larger repayments over a shorter term in order to reduce the amount of interest you pay. The fixed interest rate also makes budgeting easy because you know exactly how much you’re paying and when, so you can relax knowing there will be no nasty surprises. How do I make additional repayments? You have the freedom to pay off as much extra as you’d like, and the flexibility to do it whenever and however you want. You can use Mobile or Online Banking to transfer any amount to your loan. Otherwise you can pop into a branch or simply call us and we’ll do it for you – all free of charge. Can I top up my current personal loan? If you’d like to increase the amount you’ve borrowed, just contact us to fill out a new application.
OTHER OPTIONS TO Consider When borrowing money, there are a few alternatives to consider. The best solution will depend on your personal finances, what you’re wanting to buy, and how you’re planning to pay the money back2.
Don't forget to read this bit 1. TSB onboarding criteria applies 2. TSB does not provide financial advice via this website Terms and Conditions – refer to the terms and conditions of your loan. Take a look at our Disclosure Statement or grab a copy from your local branch. TSB’s current assessment lending criteria, lending terms and conditions, interest rates and fees apply. Use of accounts and services are subject to TSB’s General Banking Information.
