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An affordable 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 – use your personal loan however you like. Plus, make extra payments for free.
100% NZ owned and independent bank
Chat to the team today to find out more or start your application.
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.
You’ll usually hear back from us within 2 working days. Times can vary but we’ll keep you informed along the way.
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.
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.
If you’d like to increase the amount you’ve borrowed, just contact us to fill out a new application.
If you’re unable to make your regular payments due to unforeseen hardship, it's important to let us know as soon as possible as there may be options available to assist you through difficult times.
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 back. Below are just examples – for more information or to find the best fit for you, contact the team.
In some cases, a credit card could be a more suitable option than a personal loan. For example, if you’re wanting the flexibility of making larger purchases whenever you like, and are able to quickly pay off the full amount.
An overdraft may also be a better alternative to a personal loan. For example, if you’re looking for a short term buffer or want to borrow less than $1,000 and intend to pay the entire amount back quickly.
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.
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