Personal Loans

Personal Loan Trip

A trip, a car, a boat, whatever the reason - an NBS Personal Loan can make it easy to turn your dreams into reality.
NBS Personal Loans are available for almost any purpose.

In most cases some form of security is required - this could be a vehicle, your home, or a guarantor who has security acceptable to NBS. Talk to an NBS lending specialist about the options.

With an NBS Personal Loan you can make lump sum payments at any time, paying off your loan sooner and saving on interest costs.

  • Decide how quickly you want to repay your home 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


NBS Personal Loans

Interest rate range                                                     12.00% p.a. to 19.95% p.a.
The interest rate you'll be offered will be different depending on your financial situation.
Interest rates are subject to change.

NBS Personal Loan Fees

Establishment Fee $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.  For descriptions of the above fees refer to NBS' current loan agreement specific terms example.

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 account.

Your satisfaction is important to us.

NBS aims to provide you with the highest quality of service at all times.  If you have a problem, concern, or complaint about any part of our service, please let us know as soon as you can so that we can sort it out quickly.

We have an Internal Complaints Procedure to resolve any issues.

NBS is committed to responsible lending and has adopted the guidelines produced by the Financial Services Federation.

The Responsible Lending Guidelines have been developed by the Financial Services Federation with the assistance of a variety of stakeholders including the NZ Federation of Budgeting Services, Consumer NZ, the Families Commission Debt Working Group, the Retirement Commissioner, and officials from the Ministry of Consumer Affairs, and the Ministry of Social Development.
The Guidelines aim to improve consumer protection, raise standards across the consumer credit industry, and deliver better outcomes for borrowers and lenders and set out specific steps that lenders may need to take to assess if a credit contract will be suitable for a consumer.