Personal Lending

NBS Clients - Moonika and Evan

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 an NBS lending specialist 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 & Fees

NBS Personal Loan Rates
Interest rate range 12.00%p.a. - 19.95% p.a.

Interest rates are subject to change.

NBS Personal Loan Fees
Establishment Fee From $250.00
Default Interest Rate 4.00% p.a. above annual interest rate
Default Administration Fee $100.00
Insurance Arrears Payment Fee $15.00
Rates Arrears Payment Fee $25.00
Motor Vehicle Security Variation/Security Swap Fee $30.00
Early Repayment Adjustment NIL
Early Repayment Administration Cost $100.00
Duplicate Statement Fee $15.00

Fees are subject to change.

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.