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Estimate your loan repayments with our NZ loan calculator

Use our easy loan calculator to estimate repayments, compare loan terms, and find a suitable loan for your needs

Loan repayment calculator

Estimate how much your repayments could be, based on how long you would like to make them for.
$3,000 — $100,000

Example interest rate: 9.99% p.a.

Estimated loan repayments from

$0.00

Total repayment (incl. interest & fees)

Find your rates

The estimated monthly loan repayment figures illustrated above do not constitute a credit offer and are subject to both: (i) your chosen individual lender's approval to lend, and their terms and conditions; and (ii) MatchMe Money's own terms and conditions (including, in both cases, any additional establishment, introduction, security registration and other miscellaneous fees. MatchMe Money's fees information can be found on our interest rates and fees page. Your selected lender's own terms and conditions will be provided in the loan documentation that they will provide to you (if successful). We recommend seeking and obtaining your own financial advice before committing to any loan or financial product.

How our loan calculator works

Our loan calculator is designed to give you a clear picture of your potential loan repayments.

Here's how to use it:

  1. Enter your loan amount ‍
    Input the amount you're looking to borrow.
  2. Choose your loan term
    Select the duration of your loan, from 1 to 7 years.
  3. Your credit score
    This can give you an approximate idea of the interest rate.
  4. View your estimated repayments
    See your estimated weekly, fortnightly, or monthly repayments.
  5. Adjust and compare
    Experiment with different loan amounts and terms to find the right fit for your budget.

The calculator uses a current interest rate range of 9.99% - 29.95% p.a.

The calculator provides estimates only. Your actual loan terms may vary based on your individual circumstances, your financial history and a credit assessment.

How it works

The fast and simple loan application process

1

Tell us about you

Answer a few questions and verify your identity in a few minutes with just your driver's license or passport.
2

Get matched in minutes

We handle the legwork, assessing your likelihood of approval and matching you with lenders.
3

Find your ideal loan

Explore transparent loan options and terms, selecting the loan best suited for your budget and needs.
4

Sign and receive funds

We facilitate signing of the loan documents and quick release of funds, getting you moving on with life faster.

Secured or unsecured loan?

Secured personal loans use an asset (like a vehicle or property) as security, and lenders may offer lower interest rates, higher borrowing limits, and longer repayment terms. However, the asset may possibly be repossessed if you do not keep up on the payments for the loan.

Unsecured loans don't require security, which could provide more flexibility in fund usage and possibly a simpler application process. However, these loans typically have higher rates, lower limits, and possibly shorter terms.

Whether you need a secured on unsecured loan, MatchMe Money can help match you with loan options tailored to your financial situation.

Person reviewing MatchMe Money loan rates and fees
key loan information

What you need to know up front

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Over 18 years of age
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Valid New Zealand passport or drivers license
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New Zealand citizen, permanent resident or visa holder
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Good repayment history

$3,000 - $100,000

Loan amount

8.5% - 29.95%

Interest rates

1-5 years

Loan term (unsecured)

1-7 years

Loan term (secured)

Up to $500

Establishment fee

Up to $2,500

Introducer fee

View further information about our interest rates and fees.

Loan Calculator FAQs

The calculator provides estimates based on the information you input and our current interest rate range. Your actual loan terms may vary based on your individual circumstances, your financial history and a credit assessment.

We show a rate for calculation based on a range of interest rates to give you an idea on what your repayments might be. The exact interest rate you'll receive depends on various factors, including your credit score and financial situation.

These options allow you to see how different repayment frequencies might fit your budget. Some people prefer to align loan repayments with their pay.

The calculator includes an indicative establishment fee up to $395. Remember to factor in this fee when budgeting for your loan.

Yes, you can use this calculator to estimate repayments for any personal loan offered by MatchMe Money, including car loans, debt consolidation, home renovation loans, and more.

Still have questions?

Explore our Frequently Asked Questions so that you can make an informed decision about your loan. If you need further assistance, our team is here to help.
Frequently Asked Questions

Personal loans for life's moments

Whether you're planning a wedding, consolidating debt or embarking on a dream holiday, we're here to help with a range of personal loans

Why Choose MatchMe Money

As a New Zealand-based company, we understand the unique needs of Kiwis and the local finance landscape. We’re here to assist you with personalised, transparent, and reliable financial solutions.

Cutting edge technology

We use the latest technology to match you to lenders fast, giving you access to personal loan options all in one place.

Comprehensive security

Your personal and financial information is safe guarded with bank-level encryption, giving you peace of mind throughout the application process.

Transparency you can trust

We believe in clear honest communication, no hidden fees or confusing jargon.

Happy MatchMe Money customer after being approved for a loan
Important information
  1. Loan contract terms are from 12 months (secured and unsecured) to 60 months (unsecured) and 84 months (secured).
  2. The Annual Interest Rate (AIR) for Personal Loans is variable, ranging from 8.5% (secured) and 12.95% (unsecured) to 29.95% p.a. with loan terms from 12 months (secured and unsecured) to 60 months (unsecured) and 84 months (secured). Your actual rate depends on your circumstances, loan type, security provided, and an individual credit assessment.
  3. For illustrative purposes, an unsecured Personal Loan of $10,000 over 5 years at 13.95% Annual Interest Rate (AIR), including example lender, introducer, and other fees of $745, results in monthly payments of $255.40, with a total repayment sum of $15,234, reflecting an Annual Percentage Rate (APR) of 14.60%. Quoted totals do not include optional Payment Protection Insurance, Motor Breakdown Insurance, Lifestyle Protection or other Insurance products a customer may choose to add to the loan. For further information on lender, introducer and other fees refer to our rates and fees.
  4. Please review all fees in any loan contract before accepting. Approval is subject to lending criteria and an affordability assessment. Offers are subject to approval. Terms and conditions apply.
  5. Please note that we do not provide financial advice. The information on this page does not constitute a loan offer. We strongly recommend that you seek independent financial advice before making any financial decisions. Every individual's financial situation is unique, and a qualified financial advisor can provide personalised guidance based on your specific circumstances.
  6. Taking out a loan is a significant financial decision. Make sure you fully understand all terms, conditions, and potential costs before proceeding. If you have any questions about the information provided, please don't hesitate to ask us for clarification or you can contact the Money Talks helpline at 0800 345 123 or .

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