Interest Rates from 9.95%

Auckland Loans

Your first choice in lending

Auckland Loans


Below you will find answers to the questions we get asked the most. If you have a question that can’t find the answer to here feel free to contact us or give us a call on 0800 255 155.


As a responsible lender, we need to identify you and also make sure you can afford the loan repayments.


We need a photo ID such as a Passport or Drivers License – you can email/text us a photo taken from your phone.


We also need confirmation of your income, we usually get this by requesting your last three months of bank statements. We will send you a link to provide your recent statements direct to us securely online from your bank. Your Loan Consultant will go through this with you.

You can email or text a photo of your ID to us. No need to print, scan or upload your bank statements. We simply send you a link that authorises us to view your statements online. This is done easily and securely and your Loan Consultant will go through this with you.


Anything else required can be emailed to us.

Firstly, you will receive an email acknowledging receipt of your application and advising who your Loan Consultant is and how best to contact them.


Your consultant will then commence the loan approval process, typically this takes between one and two hours* and your consultant will contact you if we have any queries or need to clarify anything.


*Subject to responsible lending checks and lending criteria.

We send your loan documents through to you electronically so you can sign them. We run through them with you to ensure you fully understand the terms, payments etc.

Once the completed loan documents are returned to us with any requested information, your loan is processed that day*. Depending on which bank you're with, you will receive your funds later that day. If they are returned later in the day the funds may not transfer until the morning or the following day.

*Subject to responsible lending checks.

We can normally assist if we know the circumstances. In most cases we can still help if your current credit is up to date and your bank statements show good conduct.

We treat your application confidentially and the only people who will see your application are us and any Finance Company that we send it to.

Please contact us here.

Debt Consolidation

We can consolidate all types of debts.


Typically the best outcome for the customer is to consolidate all existing debts into the new loan. This leaves you with only one payment to keep track of in the future.


The solution that your Loan Consultant arranges for you will be based on your specific needs and goals, and what is possible for us to have approved for you by the lenders.



We can pay debts directly to who you owe the money to so you can be sure it is settled in full. We will need a Settlement Letter with the account details and amounts for us to pay. Otherwise, we will pay the funds to your bank account and you can pay them yourself.


If we pay debts directly or not can depend on the approval conditions. Sometime the lender will require us to pay the loan directly from the loan funds so they can be sure it's been repaid in full so that the repayments to that debt will stop.



Many customers come to us with multiple reasons for a loan, like needing money for something as well as paying off other debts.


Most of the time we have no issue having extra funds approved for the customer while consolidating their debts. It all depends on your affordability which will be assessed and your Loan Consultant will discuss the options with you.


We have four different policies we can provide, below is a list and a summary of what they cover (Full policy details will be provided when applicable):


1. Credit Contract Indemnity Insurance (CCI) – This covers you in the event you are unable to work due to sickness, accident, or if you should be made redundant. It also repays your loan should you die.
2. Vehicle Warranties – Covers against unexpected mechanical or electrical faults on your vehicle.
3. Comprehensive Vehicle Insurance – This covers the vehicle against accident damage and theft for your car, also any damage you may cause in an accident.
4. Guaranteed Asset Protection (GAP) – This covers you against the shortfall if your insurance company payout from a vehicle write-off is less than your loan settlement amount.


We go over the features and benefits of all insurance products before you purchase them to ensure they are suitable for you. All products are optional and are fully underwritten.

The cost of a CCI policy varies depending on the size of your loan and the loan term. Warranties depend upon the year, make, model and mileage of your vehicle, and your driving history. The cost of any premium can be added to your loan or you can pay separately. Please contact us for a quote.

Personal Loans

The funds from a Personal Loan can be used for anything you like (as long as it is legal!). We can offer unsecured loans up to $75,000*.

Larger loans may require security and we are able to use motor vehicles, properties, or a variety of other assets.

Your Loan Consultant will discuss the available options with you when applicable.

*Subject to lending checks and lending criteria.

Property Loans

Most of our clients have a mortgage on their property. This is not a problem. We know your mortgage is your priority so we work around it so it is not impacted.


We will calculate the available equity after allowing for this mortgage. Depending on the deal we may require confirmation of the outstanding balance from the mortgage holder.

Yes, if your home is being used as security on a loan or mortgage with any lender, it is a standard condition that you have the property fully insured.


We may require proof of this insurance before the loan can be paid-out.

Not a problem, we have the loan documentation completed in a specific way that you sign as a trustee of the Trust and then normally a guarantee in your personal name.


You will be required to provide a copy of your Trust deed and any amendments. It will depend on your trust, but all trustees will likely need to agree & sign the contract.

Car Loans

Of course!


We always find it best to have our customers pre-approved prior to going shopping for a new vehicle. Pre-approvals normally last for 30 days giving you plenty of time to track down that bargain.


Another good option for some customers is to provide them with an unsecured loan and pay the funds directly to their bank account. They can then go shopping as a cash buyer which can be even easier.



We are able to finance vehicles bought privately, through Trademe, vehicle tender or auction. We are not affiliated with any car dealers.


Your Loan Consultant will help you with this process if applicable. If the new vehicle is going to be security on the loan we will need you to complete a private sale agreement with the seller (we provide a template), and confirm their ID & Bank account details.


We are always looking at ways to improve our service to our customers, if something has gone wrong, we want to know. Please send us an email at, or call us on 0800 255 155 so we can discuss with you.


You can also write to us at:
PO Box 28231,
Auckland 1546


When we receive a complaint, we will:


  • Acknowledge your complaint within 1-2 working days.
  • Initiate our complaints process according to our Complaints Management Policy.
  • Gather and evaluate information about your complaint.
  • If your complaint cannot be resolved immediately, we will provide you with a copy of our Complaints Disclosure document.
  • Respond to you within 20 working days.

If we cannot agree on how to resolve the complaint, you can contact Financial Services Complaints Limited (FSCL). FSCL are an independent, not-for-profit, external dispute resolution scheme approved by the Minister of Consumer Affairs.


FSCL’s service does not cost you anything and they will help resolve the complaint. You can contact FSCL:


1. by calling 0800 347 257
2. by emailing
3. through FSCL’s website:
4. by writing to: FSCL, PO Box 5967 WELLINGTON 6011

Auckland Loans does not offer short-term loans, all of our loans have terms between 6 and 84 months. 

Current interest rates on offer range from 9.95% APR (Annual Percentage Rate) to a maximum APR (Annual Percentage Rate) of 35.50%. Rates are determined by your credit history, the security offered (if any), and your overall credit profile.