At a glance


tsb personal loan instant confirmation


Quick and easy to apply

Apply for a personal loan in
just a few minutes using our 
online form and get instant

tsb personal loan instant access money icon


Borrow from $1,000

Borrow between $1,000 and
$30,000 and get instant access
to your money once you're

tsb personal loan fixed rate icon


Fixed interest rate

Your interest rate is fixed at 12.95%p.a.
for the length of the loan, so you'll
rest easy knowing exactly how
much your repayments will be.





tsb personal loans getting started



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




Easy to manage

View your loan balance or make repayments whenever you want to in online banking or our mobile app.

Personal Loans - online banking image - HTML





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.







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


tsb credit card options


tsb overdraft options