GET
/
api
/
v1
/
personal-loan-rates
curl --request GET \
  --url https://ratesapi.nz/api/v1/personal-loan-rates
{
  "type": "PersonalLoanRates",
  "data": [
    {
      "id": "institution:anz",
      "name": "ANZ",
      "products": [
        {
          "id": "product:anz:standard",
          "name": "Standard",
          "rates": [
            {
              "id": "rate:anz:standard:18-months",
              "rate": 4.29,
              "plan": "Secured",
              "condition": "$3,000 to $50,000"
            }
          ]
        }
      ]
    }
  ],
  "lastUpdated": "2021-08-01T00:00:00.000Z",
  "termsOfUse": "<string>",
  "timestamp": "2025-03-04T02:30:00.000Z"
}

This endpoint returns a comprehensive list of personal loan rates from most financial institutions in New Zealand. The data includes interest rates, loan terms, and special conditions for various personal loan products including secured and unsecured options.

​
Response Data

The response includes:

  • Institution name and ID
  • Interest rates (advertised and comparison rates)
  • Loan terms (minimum and maximum duration)
  • Secured and unsecured loan options
  • Fees and charges
  • Special features and eligibility criteria

​
Use Cases

  • Loan Comparison Platforms: Create tools that help consumers find the most competitive personal loan rates
  • Budgeting Applications: Integrate real-time loan data into financial planning and budgeting tools
  • Debt Consolidation Tools: Help users find the best rates for consolidating existing debts
  • FinTech Solutions: Power lending marketplaces with current personal loan options

Response

200
application/json
Retrieve all personal loan rates for all institutions
​
type
enum<string>
required
Available options:
PersonalLoanRates
​
data
object[]
required
​
lastUpdated
string
required
Example:

"2021-08-01T00:00:00.000Z"

​
termsOfUse
string
required
​
timestamp
string
required

Current server timestamp

Example:

"2025-03-04T02:30:00.000Z"

Get Personal Loan Rates by Institution IDPersonal Loan Rates Time Series