Personal loan calculator NZ
See your weekly repayment and total, and what the same loan costs at the lowest advertised rate.
What does $10,000 cost across the rate range?
The same $10,000 costs $3,026 more at the top of the range than the bottom.
| Rate | Lender | Each week | Paid back in total |
|---|---|---|---|
| 7.99% fixed, $150 feeHarmoney's lowest | Harmoney's lowest | $73 | $11,423 |
| 13.90%, no feeASB and Westpac | ASB and Westpac | $78 | $12,243 |
| 24.99% fixed, $150 feeHarmoney's highest | Harmoney's highest | $93 | $14,449 |
$10,000 over 3 years, weekly, fee added to the loan. Sources: Harmoney, ASB and Westpac, checked 21 Oct 2026.
See which lenders would consider meQuestions about personal loans
What is the monthly payment on a $10,000 personal loan?
$341 a month over 3 years at 13.90% p.a. fixed with no fee, $12,286 in total. At Harmoney's lowest advertised rate, 7.99% p.a. fixed with its $150 fee, it's $318 a month and $11,449 in total.
How much would a $30,000 personal loan cost a month?
$696 a month over 5 years at 13.90% p.a. fixed with no fee, $41,790 in total. Over 3 years it's $1,024 a month and $36,859 in total.
What rate will I get on a personal loan?
Advertised rates run from 7.99% p.a. at Harmoney to 29.99% p.a. at Gem by Latitude (checked 21 Oct 2026). The lender sets yours after checking your credit history and what you can afford.
Can I pay my personal loan off early?
Yes. Westpac, ASB and Harmoney charge no early repayment fee (checked 21 Oct 2026). The extra repayments calculator shows what it saves.
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