NZ Interest Rates API Reference (OpenAPI)

Rates API is a free JSON API for the interest rates of New Zealand banks and lenders: mortgages, personal loans, car loans and credit cards. You do not need an API key. Turn on JavaScript to see the interactive reference.

Endpoints

GET /api/v1/mortgage-rates: the newest mortgage rates for all institutions.
GET /api/v1/personal-loan-rates: the newest personal loan rates.
GET /api/v1/car-loan-rates: the newest car loan rates.
GET /api/v1/credit-card-rates: the newest credit card rates and fees.
GET /api/v1/mortgage-rates/time-series: daily snapshots of earlier rates. Each dataset has a /time-series endpoint.
GET /api/v1/health: the API status, and the time of the last change and the last check of each dataset.
POST /api/v1/mcp: the Model Context Protocol (MCP) endpoint for AI agents.