PERSONAL Loans
Personal lending
Pictured: Max and Ruby | Nourish Nook, Westport | NBS business banking clients
A holiday, a car, a boat, a new kitchen or consolidation of debts.
Whatever the reason, an NBS Personal Loan can turn your dreams into
reality
In most cases, security is required. This could be a vehicle, home or a guarantor who has security. Talk to one of our lending specialists about the options today by coming into your local branch or calling us on 0800 101 700.
You can make lump-sum payments at any time so you can pay off your loan sooner and save on interest costs.
- Decide how quickly you want to repay your loan.
- Terms up to three years are available.
- Choose monthly, fortnightly or weekly repayments.
- Apply to top up your loan at any time during the term of the loan.
Rates and fees
| NBS Personal Loan rates | |
|---|---|
| Interest rate range | 13.75% p.a. - 19.95% p.a. |
|
Interest rates are current for new facilities. |
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| NBS Personal Loan fees | |
|---|---|
| Loan establishment fee | From $200.00 |
| Default interest rate | 5.00% p.a. above interest rate |
| Default administration fee | $45.00 per event |
| Insurance arrears payment fee | $25.00 |
| Rates arrears payment fee | $25.00 |
| Motor vehicle security variation or security swap fee | $30.00 |
| Duplicate statement fee | $5.00 |
| Early repayment recovery amount (ERRA) | Price on application |
| Early repayment administration cost | $45.00 |
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Interest rates are current as of 20 July 2026 and subject to change at any time without notice. NBS lending criteria and specific terms and conditions apply. Margins, discounts and fees may apply. For new overdrafts, rate may be subject to change prior to drawdown. * Effective rate for new clients from 20 July 2026. Effective rate for existing clients from 26 August 2026. |
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Terms and Conditions
NBS’ current Loan Agreement Specific Terms and General Lending Terms are available free of charge from any NBS branch. NBS lending criteria and the above terms apply. You will also need to have an NBS loan deduction account.