Your Personal Loan Calculator NZ: your shortcut to a better loan

Compare rates and repayment schedule to find the perfect loan for you! 

Glimp's personal loan calculator will help you sift the offer and shorten the decision process by a mile! Applying for a loan is not an easy decision, we know, so why not use all the tools available to help you reach the best conclusion while you're at it?

Compare personal loans and find the lowest rate with Glimp's personal loan calculator today!  

Personal loans come in many forms, and classifying them is an ungrateful task indeed. Depending on the purpose, you might wish to consider a car, wedding, holiday, medical, renovation, furniture, house remodelling, debt consolidation, or a payday loan.  And that's not all! Going through all the specifics would be a time-consuming process, indeed, so allow us to help you learn the ropes. 

How may Glimp's personal loan repayment calculator help? 

In more ways than one. Firstly, Glimp's personal loan repayment calculator takes into account your specific circumstances, the amount you are hoping to borrow and your credit score. It is user-friendly to boot, so give it a try today. 

General requirements all loans have in common are that you be a permanent New Zealand resident, be of age, and have a stable income. The latter can sometimes be avoided if you have an insurer or if applying through a family member. For these specifics, however, make sure to read the terms and conditions and the fine print and to consult the lender in advance. 

At Glimp, we make it easy to compare loans and rates, so if you are uncertain as to where to start, consider the undermentioned loan and interest rate classifications first.

Firstly, personal loans can be secured and unsecured. A secured personal loan calls for an asset to serve as security. This can be your house or car, e.g. If you default under the agreement, the lender gets to keep the asset and sell it to cover your outstanding debt. You will still remain liable for the shortfall, if any. If you offer your car as an asset, i.e., it is likely to go down in price not vice versa, so make sure to calculate your monthly budget properly as to avoid unpleasant surprises.

Small loan (and, notably, payday loan) repayments are due weekly, fortnightly, or monthly. Loans that deal with considerably higher amounts of money are usually paid off on a monthly basis, so a proper budget calculation should do the trick.

Unsecured loans are more difficult to qualify for and they have higher interest rates than secured loans, for obvious reasons. Should you default, the lender will have no asset to repossess. 

Both loan types may have fixed or variable rates, with the first being higher than the latter lower. Variable rates can go both down and up, and unfortunately there's no way of predicting the trend.  

These, at a glance, would be the loan essentials. Contact us at Glimp for best rates and loan offers and with any additional inquiries you might have!

Glimp's calculator personal loan to the rescue! Compare rates and get best quotes within minutes! 

Glimp's calculator personal loan will help you make the right decision in no time. With or without our help, however, you'd do best to familiarize yourself with your credit history and the ensuing credit score. The higher the score, the higher the upper loan amount at lower rates! 

You may either achieve your copy online or order it through one of the three available credit reporting companies: Dun & Bradstreet, Centrix, or Veda Advantage. Both services are free and convenient, so make sure to get your copy before applying for a loan. For one thing, it will give you a good idea on how far you can stretch the offer. This is particularly important if you are after a car loan, and specifically if you are negotiating the purchase with the dealer, who, as a rule, has a preferred finance company backing them. Never ever make the mistake of negotiating monthly payments instead of the total price. You may (and should) well know your credit score, but the dealer should not. 

Use Glimp's personal loan calculator to redefine the term "easy"! Get the best quote in no time! 

Further out, compiling a list of lenders might help. Banks, unions, and finance institutions offering personal loans are numerous. And not only locally run, mind you! For small loans, you may also count on international companies. Broadly speaking, most entities offering online applications are to be taken into account. Contact us at Glimp with specific inquiries, as we are here to help! Don't miss on any opportunity simply because you're unclear on some points! 

Not only will we compare interest rates for you, but we will also come up with personalized offers to accommodate your circumstances! 

Contact us without further ado!

Glimp's personal loan calculator to render convenient options in a matter of minutes. Get the better of the loan market! 

Use Glimp's personal loan calculator at your convenience for fine tuning. Even a single percent lower rate will make a whole lot of difference in the long run!  

To that end, and as stated above, make sure to study the terms and conditions and the fine print thoroughly before signing anything. For installment loans, you will want to look for the no exit penalty feature, which allows for early payoffs without any penalties. The simple truth is that the sooner you repay the loan, the more money you will get to save on account of interest rates. 

Finally, the terms and conditions must include the following crucial information: due dates, potential penalties, interest rate calculation methods and alterations, and specifics in case of a default.

If you are certain you have found just the loan you've been looking for your entire life, still give the lender a call! Ask about fees and charges and, specifically, about any potential penalties in case you need to change the terms.