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If you’re taking out a personal loan in New Zealand, one of the most overlooked decisions is how often you make repayments. Most people focus on interest rates , loan amounts, and terms, but your repayment frequency (weekly, fortnightly, or monthly) can actually affect how much interest you pay and how quickly you get out of debt. So what’s the best option? The short answer: Fortnightly repayments are usually the best balance for most Kiwis, but weekly can save you the