Personal loans
from 9.90% p.a.*

Member-owned lending that puts you first. Apply online in minutes.

Apply online

Personal loans
from 9.90% p.a.*

Member-owned lending that puts you first. Apply online in minutes.

Apply online

Turn your plans into reality.

Life doesn’t always go to plan, so it helps to have options when you need them. Whether you’re consolidating debt, buying a car, or covering a bigger expense, we make borrowing simple and straightforward.

What makes Unity different?

Because we’re member-owned, everything we do is focused on helping you get ahead, not paying shareholders. Whether you’re dealing with an unexpected cost or looking to get on top of your finances, we’ll work with you to find a loan that fits.

Here’s why Kiwis choose Unity when seeking personal finance:

  • Borrow $2,000 to $40,000 unsecured (up to $60,000 secured)
  • Competitive rates from 9.90% p.a. secured*
  • Fast, simple 100% online application
  • Flexible repayments to match your pay cycle
  • No early repayment or monthly account fees
  • A local lending team that takes the time to understand your situation
                      
Appy online
                          
                                

What can I use a personal loan for?

The short answer? Absolutely anything! You could use a personal loan to consolidate your debts, purchase a new car, book a well deserved holiday, or renovate your home. The choice is yours. 

Blonde woman leaning over counter smiling

Debt consolidation

Save time and money. Combine your debts into one monthly payment with a debt consolidation loan.

Simplify your repayments >

Young guy smiling while leaning over his new car

Car & vehicle

Whether you're buying new or used, our pre-approved vehicle finance helps get you on the road in record time. 

Get pre-approved and hit the road >

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Holiday & travel

Explore the world or your own backyard with our travel loans. Just don't forget to send us a postcard!

Book that trip sooner >

Happy couple painting their home together

Home renovation

Adding value? Or adding more room for the whānau? It's all possible with our home renovation loans.     

Start your reno plans today >               

Personal loan interest rates

Our personal loan interest rates are floating, which means rates may change during the life of the loan. The interest rate that will apply depends on your credit and
financial situation, and our lending criteria. All personal loan rates may be subject to change without notice.

Loan TypeInterest rateLoan amounts
Secured 9.90% - 19.90% p.a. $2,000 - $60,000
Unsecured 12.90% - 22.90% p.a. $2,000 - $40,000

As published on interest.co.nz as at 31 March 2026.

View our interest rates and fees. For more information, view our loan agreements and terms and conditions.                  

                         

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
+

Application 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% - 19.90%. T&Cs apply. $200 application fee + other fees apply. View a full list of rates and fees.

Personal loan FAQs

Still thinking about a personal loan?

Here’s a quick guide to the questions we get asked most, so you know exactly what to expect.

Didn’t find what you were looking for? Give us a call on 0800 229 943 or pop into your local Unity branch. We’re happy to help.

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Get informed, get ahead.

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