Personal loan calculator
Personal loans from 9.90% p.a.* Try our personal loan calculator to work out what you could borrow or save.
Personal loan calculator
Personal loans from 9.90% p.a.* Try our personal loan calculator to work out what you could borrow or save.
Personal loan calculator
Interest rate
9.90% p.a
Amount I want to borrow
Weekly repayments
How much could you save by consolidating your debt with our low interest rate?
Enter your current interest rate % p.a
you could save †
†Over the full term of the loan you could save this amount in interest.
This example is calculated using a secured loan rate of 9.90% p.a. over a [repayment-years] year term. Total cost of borrowing over loan term would be [total-repayments] (indicative only). This example is not an offer from Unity. How much you can borrow and repayments depend on your personal circumstances. Secured floating interest rates from 9.90% - 18.90%. T&Cs apply. $200 approval fee + other fees apply. View a full list of rates and fees.
Rates and information
Our interest rates are priced using a risk matrix that takes into consideration a range of factors including an individual's credit score and affordability. Based on the assessment of an individual's financial information we will assign a risk grade and the corresponding interest rate could apply. Read more about our loans here.
Secured loan |
Unsecured loan |
|
| Grade | Interest rate p.a.^ | Interest rate p.a.^ |
|---|---|---|
| Orange A | 9.90% | 12.90% |
| Orange B | 11.90% | 14.90% |
| Yellow A | 13.90% | 16.90% |
| Yellow B | 15.90% | 18.90% |
| Green A | 18.90% | 21.90% |
^Note: These interest rates are indicative only and may be subject to change without notice.
As published on interest.co.nz as at 30 August 2023.
For information on our loan agreements and terms and conditions click here.
More information on our loans
- We have flexible borrowing terms available from 1 - 7 years
- No early repayment fees - you have the option to make lump sum repayments and pay your loan off faster
- The minimum personal loan interest rate is 9.90% p.a.
- The maximum personal loan interest rate is 21.90% p.a.
- View our interest rates and fees here
|
When applying for a loan it's important to consider all of the costs involved. Below is an example of the total costs included over the term of a secured vehicle loan: Personal borrowing $20,000
+
Approval fee $200
+
Third-party charges $29.44
=
Total borrowed $20,229.44
Set up over a term of 7 years (366 weeks) at 9.90% p.a. interest = weekly repayments of $77.26 This example is calculated using a secured rate of 9.90% p.a. over a 7 year term. Total cost of borrowing over loan term would be $28,122.22 (indicative only). This example is not an offer from Unity. How much you can borrow and repayments depend on your personal circumstances. Secured floating interest rates from 9.90% - 18.90% T&Cs apply. $200 approval fee + other fees apply. View a full list of rates and fees. |