Kina Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Kina Bank suits borrowers already holding a Kina account in Papua New Guinea who want one lender across personal, secured, car and business lending. The catch is price: an APR of 26% on the unsecured personal loan ranks 271 of 350 brands.

Key facts

Best for
Existing Kina Bank customers in Papua New Guinea who want the bank itself on every loan type.
APR
26% (Source, checked September 26, 2026)
Loan amount
PGK 1,000 to PGK 75,000 (Source, checked September 26, 2026)
Term
6 to 60 months (Source, checked September 26, 2026)
Arrangement fee
PGK300 fixed set up fee, payable once the loan is approved (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
18 or older, resident of Papua New Guinea, 2 forms of valid primary ID, existing Kina Bank customer with repayments drawn from a Kina account, 6 months employment (self-employed: 5 years), debt commitment 30% of gross salary or less (Source, checked September 26, 2026)
Loan types
Personal, Secured, Car, Business (Source, checked September 26, 2026)
Legal entity
Kina Securities Limited (Source, checked September 26, 2026)
Headquarters
Papua New Guinea (Source, checked September 26, 2026)
Founded
1985 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
kinabank.com.pg

Mortgages

Initial rate
5.92% (Source, checked September 26, 2026)
Fixed period
3 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
PGK 1,000 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer, Buy-to-let (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Kina Securities Limited (Source, checked September 26, 2026)
Headquarters
Papua New Guinea (Source, checked September 26, 2026)
Founded
1985 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedIninvestors.kinabank.com.pg

Pros and cons

Pros

  • Lends directly as a single lender across personal, secured and car loans, so one bank covers the whole relationship in one place
  • Personal loan pricing is fixed, so the rate does not reset, with 6 to 60 to spread repayments and PGK300 fixed set up fee, payable once the loan is approved once approved
  • Prime home loan opens at an initial rate of 5.92% for 3, with borrowing up to 90% loan to value
  • Repayments are drawn from an existing Kina account, so servicing, statements and balances stay in one place

Cons

  • An APR of 26% on the unsecured personal loan sits well above the site median of 12%
  • A fixed set up fee of PGK300 fixed set up fee, payable once the loan is approved is payable once the personal loan has been approved, on top of the interest
  • Lending is open only to residents of Papua New Guinea, and the personal loan asks for an existing Kina account
Kina Bank

Ready to try Kina Bank?

Scored 8.9 / 10 by BorrowCue.

See alternatives

Who it suits

  • Existing Kina Bank customers whose repayments are already drawn from a Kina account, keeping servicing simple
  • Salaried or self-employed residents of Papua New Guinea with a track record and room for new debt
  • Home buyers and first-time buyers weighing prime home loan pricing against wider mortgage market rates

Who should look elsewhere

  • Borrowers chasing the lowest personal loan cost, since Monzo Flex lists an APR of 10% to 23% on its own product
  • Anyone wanting a quick funded decision, since Cashspace lists an APR of PHP 12 to PHP 36 as a cheaper yardstick
  • Applicants outside Papua New Guinea, where the personal loan is restricted to residents of the country

How Kina Bank compares

Where Kina Bank is available

Available
Papua New Guinea

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What APR does Kina Bank charge on its unsecured personal loan?+

The unsecured personal loan runs at an APR of 26%, which is a long way above the site median of 12%. Borrowing is on a fixed basis, so the rate does not shift once the loan is set up. Terms run 6 to 60.

What fees are payable on a Kina Bank personal loan?+

There is a PGK300 fixed set up fee, payable once the loan is approved, charged once the loan is approved. On home lending the fee is PGK 1,000 for the standard home loan. The prime home loan is quoted at an initial rate of 5.92% for 3.

Who can apply for a Kina Bank loan?+

Applicants must be adults living in Papua New Guinea and hold valid primary identification. You also need to be an existing Kina Bank customer with repayments drawn from a Kina account, a minimum period of employment, longer for the self-employed, and a cap on debt commitments as a share of gross salary.

How much can be borrowed from Kina Bank?+

The unsecured personal loan runs PGK 1,000 to PGK 75,000. The prime home loan reaches a maximum loan to value of 90%, and home lending covers purchase, remortgage, first-time-buyer and buy-to-let purposes.

What kinds of loans does Kina Bank offer?+

Kina Bank is a direct lender covering personal, secured and car loans: personal, secured, car and business. The same relationship handles the personal loan, the home loans and the car and business lending, rather than sending applicants to a broker.

How long has Kina Bank been operating?+

Kina Bank was founded in 1985 and is headquartered in Papua New Guinea. The lending entity named in its disclosures is Kina Securities Limited, and the bank deals with borrowers directly rather than through a broker.

How do I get help from Kina Bank?+

Support runs through email, phone and help centre. The bank can be reached by email, by phone or through its help centre, which is useful when a question comes up about an existing loan or a rate.

Sources

  • kinabank.com.pg/about-us checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity

    “Kina Securities Limited (Kina Bank) was established in 1985”

  • kinabank.com.pg/faqs-support checked September 26, 2026

    Backs: Support channels

    “you can call us on +675 308 3800 or on toll-free 180 1525... you can also email us at kina@kinabank.com.pg”

  • kinabank.com.pg/home-loans checked September 26, 2026

    Backs: Purpose

    “Buying, refinancing or investing, there's a Kina Bank Home Loan for you.”

  • kinabank.com.pg/home-loans/kina-standard-home-loan checked September 26, 2026

    Backs: Product fee

    “There is a flat, one-time loan establishment fee of PGK1,000 that's paid once the loan is finalised.”

  • kinabank.com.pg/home-loans/prime checked September 26, 2026

    Backs: Fixed period, Initial rate, Maximum loan to value

    “Marketing leading rate of 5.92% ... 3-year Fixed Rate”

  • kinabank.com.pg/personal-banking checked September 26, 2026

    Backs: Loan types

    “Personal Loans - Kina Secured Personal Loan, Kina Unsecured Personal Loan, Kina Motor Vehicle Loan; Business Loans - Kina Business Loan, Kina Secured SME Business Loan”

  • kinabank.com.pg/personal-banking/kina-unsecured-personal-... checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Lender type, Pricing model, Arrangement fee, Rate type, Term

    “With the Kina Unsecured Loan you can borrow as little as PGK1,000 through to PGK75,000”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Funding time, Representative example.

Kina Bank

Kina Bank

Existing Kina Bank customers in Papua New Guinea who want the bank itself on every loan type.

8.9/10See alternatives

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