People's Bank loan rates
The full rate card — every term, fixed vs floating, and the better rates for preferred customers. Lower is better; your actual rate depends on amount, term, security and the bank's credit assessment.
3 hr agoBank rate page
Consumer loans
Personal
13.50–16.00% p.a.| Term | Fixed | From | Trend |
|---|---|---|---|
| 1 year | 16.00% | 13.50% | no trend— |
Housing
13.50–15.50% p.a.| Term | Fixed | From | Trend |
|---|---|---|---|
| 1 year | 15.50% | 13.50% | no trend— |
Education
13.00–14.50% p.a.| Term | Fixed | From | Trend |
|---|---|---|---|
| 1 year | 14.50% | 13.00% | no trend— |
Vehicle
13.50–15.00% p.a.| Term | Fixed | From | Trend |
|---|---|---|---|
| 1 year | 15.00% | 13.50% | no trend— |
Business lending
Overdraft
16.50–17.50% p.a.| Term | Fixed | From | Trend |
|---|---|---|---|
| 1 year | 17.50% | 16.50% | no trend— |
Agriculture
14.00–15.00% p.a.| Term | Fixed | From | Trend |
|---|---|---|---|
| 1 year | 15.00% | 14.00% | no trend— |
Rates are the bank's published figures, re-fetched daily. Foreign-currency and other specialised facilities a bank publishes outside its standard card are not all shown here yet. Always confirm the rate, fees and basis (fixed vs floating, flat vs effective) with the bank before applying. See the methodology.