Kiwi Bank

About Kiwi Bank

Kiwi Bank offer customers a place where they can find the financial products and service they need at better rates and with better service.

We're a kiwi owned and operated bank and offer home loans, personal loans and a range of banking and financial services designed for people by people.

Treating you Like a Person and not a Number

We're one of New Zealand's smaller banks and like to see ourselves as different than the others. We treat people well and will always add a personal touch to everything we do - from answering the phone to helping you apply for a loan online we're here to make you feel like more than just a number.

What Kiwi Bank can offer you

Over the last couple of years the way that we do banking has changed dramatically and with this change has come a transformation of the lending process as well.

You can now apply for a quick loan online by simply logging in to your online banking account. Chances are you'll already have a loan offer available to you.

Unsecured Loans from $2,000 and Secured Loan from $6,000

At Kiwi Bank we offer unsecured car loans from $2,000 and secured loans from $6,000. You can apply for a loan of up to $50,000 and we offer flexible loan terms that range from 6 months to 7 years. When you apply for us you will receive a decision in just 24 hours and walk into that dealership as a cash buyer with some real negotiating power!

In a Nutshell

  •  Loan minimum $2,000
  •  Loan maximum $50,000
  •  Interest rate From 12.99% to 18.95% per annum
  •  Loan term minimum 6 months
  •  Loan term maximum 7 years
  •  Average processing time 24 hours
  •  Online application
  •  In-store application
  •  Unsecured loan option
  •  Secured loan option

Getting Started with your Car Loan Application

Applying for a personal loan to buy a car is easy and can be done entirely online.

With Kiwi Bank you can be approved in just 24 hours and then have the confidence you need to walk into any dealership and negotiate for that dream car of yours like a beast!

Our loan application form is simple and can be completed online in just minutes!

If you're an existing customer you can log onto your online banking and enjoy a much faster vehicle loan application as well as the benefit of having your supporting documentation already available. If you're ready to buy that car you’ve had your eye on for years apply today!

Eligibility & Requirements

  •  Full or restricted drivers license
  •  18 years or older
  •  NZ resident
  •  Earning a stable income
  •  Credit check
  •  Active email address
  •  30 day bank statements
  •  Valid identity document
  •  Security valuation appraisal (proof of insurance)
  •  Utility bill or other (proof of address)
  •  Bank statements or payslips (proof of income)
  •  Personal reference

Other Products & Services

  • Everyday Banking
  • Home Loans
  • Insurance
  • Credit Cards
  • KiwiSaver
  • Overdrafts
  • Personal and Car Loans

Contact Details

  •  0800 081 190
  •  03 442 7976
 Visit Website Apply Directly


 Physical Address

  • 13 Camp St, Queenstown, Otago, 9300, New Zealand

 Postal Address

  • Private Bag 39888, Wellington mail Centre, Lower Hutt, 5045, New Zealand

Opening Hours

  •  Monday 08:00 – 16:30
  •  Tuesday 08:00 – 16:30
  •  Wednesday 08:00 – 16:30
  •  Thursday 08:00 – 16:30
  •  Friday 08:00 – 16:30
  •  Saturday 08:00 – 16:30
  •  Sunday 08:00 – 16:30