# Auckland Loans > At Auckland Loans, we strive to make local lending easier. Our purpose is pretty simple: provide competitive loans as fast as possible without stressing out our customers! Use our online application service and sign up today with our low establishment fee. ### How to Rebuild Your Credit After a Setback Missed a couple of bills? Gone through a rough patch financially? Had an unexpected expense that knocked your budget sideways?We’ve all been there. If your credit score took a hit, don’t stress—you’re not alone, and it’s absolutely possible to bounce back. Rebuilding your credit starts with understanding how it all works—and knowing where to turn for the right support. First Up: What Even Is a Credit Score? Your credit score is basically your financial report card. It tells lenders how likely you are to repay money you borrow. In New Zealand, credit scores typically range from 0 to 1,000, depending on the credit reporting agency (like Centrix or Equifax). The higher the number, the better you look to potential lenders.Your score is calculated using stuff like:How often you apply for creditWhether you pay your bills on timeAny defaults or missed paymentsThe amount of debt you haveIt’s like your financial reputation—so it’s worth looking after. Good vs Bad Credit Scores in New Zealand It’s worth pointing out here that what constitutes a “good” or “bad” credit score will vary depending on the credit reporting agency you’re dealing with. For example, 500 might be “good” with one agency but “average” at another. But here’s a broad breakdown of how credit scores are typically measured: Score Range What It Means 0 – 450 Poor credit 451 – 650 Fair credit 651 – 800 Good credit 801 – 1,000 Excellent credit If you’re under 450, it might be tough to get approved for traditional loans or credit cards. But here’s the cool thing: that number isn’t fixed. You can grow it! Why Does Your Credit Score Drop? There are heaps of reasons why a credit score might fall—and not all of them mean you’re bad with money. Here are some common causes:Missed or late payments: Even one overdue bill can ding your score.Defaults: If a bill goes unpaid for too long, it may be listed as a default.Too many credit applications: Applying for lots of loans or credit cards in a short time can make you look risky.Court judgments or insolvency: These serious financial issues will seriously hurt your score.Credit inactivity: Weirdly enough, having no credit history can also work against you.Knowing what dragged your score down is key to fixing it. The Power of Paying Your Bills on Time It might sound simple, but paying your bills on time is one of the most powerful ways to rebuild your credit. Whether it's your phone bill, internet, power, or your Netflix subscription—if you’re being billed regularly, staying on top of it shows lenders you’re reliable.Setting up automatic payments or calendar reminders can make this super easy. Over time, this consistency is reflected in your credit report and helps lift your score back up. Can You Get a Loan with Bad Credit? Yes, You Can! If you’re worried that a bad credit score shuts all the doors, don’t be. While some traditional banks might say “nah,” there are smart alternatives out there—especially for Aucklanders.At Auckland Loans, we believe in better local lending. That means helping everyday people—even those with past credit issues—access competitive loan options. We work with a bunch of low-cost lenders, so even if your score isn't perfect, there’s a good chance we can match you with someone who’s willing to say yes.Plus, with our online process, it only takes a few minutes to apply, and you’ll get multiple offers to compare. Easy as.No-obligation quotesSame-day serviceFriendly, local teamBad credit? No worriesWe get that one mistake doesn’t define your financial future—and we’re here to help you move forward. Why Repayments Matter: Climb Back Up One Step at a Time Once you’ve secured a loan (even a small one), making regular repayments is your golden ticket to improving your credit score.Here’s how it helps:Each on-time repayment is logged as a positive action.Over time, these build up your credit history and show that you’re back on track.Even if you start with a short-term or lower amount loan, responsible repayment habits prove your reliability to future lenders.A small step today = a better credit score tomorrow. Pro Tip: Check Your Credit Report You can request a free copy of your credit report from agencies like Centrix, Illion, or Equifax. It’s worth checking at least once a year so you can:Spot any mistakes (yes, they do happen)Understand exactly what’s on thereSee your progress as you improve your score You’ve Got This—and We’ve Got Your Back Rebuilding your credit isn’t about being perfect—it’s about making small, smart moves consistently. Pay your bills on time, avoid unnecessary credit applications, and consider responsible borrowing to help strengthen your credit profile.If you're in Auckland and looking for a second chance, Auckland Loans is here for you. Whether you’re after a personal loan to consolidate debt, cover unexpected costs, or start fresh—we’ve got your back.Chat with our local teamApply online in just 2 minutesGet access to multiple loan options—even with a not-so-great credit scoreAt Auckland Loans, we help Aucklanders like you unlock better borrowing options, faster. No judgement. Just a friendly, experienced crew that knows how to get things done.Apply Now!*Subject to responsible lending checks and criteria. Apply Now Loan Calculator Excerpt: Missed a couple of bills? Gone through a rough patch financially? Had an unexpected expense that knocked your budget sideways? ### How To Save For A House Top 5 Savings Hacks for Auckland First-Home Buyers Buying your first home in Auckland? That’s a really big deal! We also know how tough it can be. Between trying to save for a deposit and still enjoy your flat whites and weekend road trips, it can feel like a juggling act worthy of a circus. But good news: when you know how to save for a house, owning a home in Auckland can be more than just a dream.At Auckland Loans, we’re all about better local lending and making things simpler for first-home buyers like you. So here are our top 5 savings hacks to help you get that foot on the property ladder—without giving up everything you love. 1. Get Real About Your Deposit Goal (And Automate It) Let’s start with the basics. Most home loan lenders require at least a 20% deposit. Having a deposit of at least 20% is ideal for two reasons:You’ll get access to the banks’ “special” home loan rates, which are generally lower than the standard rates.You will avoid paying a “low equity premium”, which is an extra charge lenders tack onto your loan if you borrow more than 80% of the value of the home.So, it’s possible to get a low with less than 20% deposit, but it might be harder to get approval and you’re likely to pay more in interest and fees.What does a 20% deposit look like, then?Let’s take the median first home buyer house price for 2025 of about $900,000. For a loan of this size a 20% deposit would be $180,000.Sounds like a lot? Yeah, but here’s the trick: break it down.If you aim to save $80,000 in 4 years (and use your Kiwisaver or family assistance for the rest), that’s about $385 per week.Now set up an automatic transfer to a separate savings account right after payday—out of sight, out of mind.Is a 20% deposit a bit unrealistic? You’re not alone - keep reading to learn about financial help available for Auckland first home buyers. 2. Use Your KiwiSaver If you’re in KiwiSaver, you’re already on the right track. But did you know you can withdraw most of your KiwiSaver fund to put towards your first home?To make a withdrawal, you must have been in KiwiSaver for at least 3 years and you need to leave $1,000 in your account.You might be surprised at how much you’ll be able to withdraw, especially if you’ve been working full time for a few years. Get in touch with your KiwiSaver provider to find out how much you could use towards your deposit. 3. Trim the Fat (Without Living Like a Monk) No, we’re not going to tell you to ditch coffee or stop having fun. But trimming your spending in smart ways makes a big difference over time.Here’s a few ways to do it:Swap Uber Eats for meal prepping: Even cutting back twice a week can save $100+ monthly.Use public transport more often: Your AT HOP card is probably cheaper than petrol + parking.Review your subscriptions: Do you really need Spotify, Netflix, AND Disney+?Split costs with flatmates: Share grocery costs or bulk-buy essentials to save long-term.Small wins add up. And remember, Auckland Loans is all about making things easier and more affordable, so you won’t need to cut back everything to qualify for a great deal. 4. Take Advantage of Government Support While most home loan lenders require a 20% deposit, you could get a home with as little as a 5% deposit with a First Home Loan.These loans are underwritten by Kainga Ora, so the lender can accept a lower deposit when normally they might not be able to.You can use your KiwiSaver savings for your 5% deposit.There are criteria you need to meet, such as earning under an income threshold. There is also a Lender’s Mortgage Insurance premium of 1.2% you’ll need to pay.Despite the extra charges, it still could be worth it if it allows you to get onto the property ladder. 5. Get Your Debt Under Control Having debt is a huge barrier to saving for a house deposit.If you’ve got a few loans and you’re paying too much, consider a debt consolidation loan as a way to get back on track.With Auckland Loans, you get access to multiple lenders from just one application. Our low rates and flexible terms means we can structure your loan to suit you and make your repayments affordable.This makes it easier to have money leftover to save for that first home!We know buying a house in Auckland can feel intimidating. But with a bit of strategy, local know-how, and a few clever savings hacks, you’ll be surprised how quickly you can reach your goal.At Auckland Loans, we’ve helped heaps of first-home buyers just like you. Whether you’ve got 20% saved or you’re just getting started, we’re here to make the process faster, easier, and way less stressful.More optionsBetter ratesFriendly local supportFast serviceLet’s get you home!Ready to start your journey?Apply online now for a fast, free quote—same-day approvals available! Apply Now Loan Calculator Excerpt: Buying your first home in Auckland? That’s a really big deal! We also know how tough it can be... ### Comparing Lender: Where Do You Start? These days, getting a loan online is easier than ever. But with so many online lenders offering low rates and speedy approvals, how do you actually know which one is best for you?If you're an Aucklander looking for a fast, fair deal (and ideally something a bit local), it's important to look beyond just the numbers. The best lender for you isn't just the one with the lowest rate—it’s the one that understands your needs, treats you right, and delivers on their promises.At Auckland Loans, we’re all about better local lending. So we’ve pulled together this no-nonsense guide to help you compare lenders like a pro. Here are the 7 most important criteria you should be looking at. 1. Speed of Service When you’re applying for a loan, you probably want that money sooner rather than later. The thing is, not all lenders move at the same pace. Some can take days to even respond, while others (like Auckland Loans) aim to get you sorted the same day.Look for:Same-day approvalsQuick online application formsFast payment turnaroundPro tip: A fast online process doesn’t mean cutting corners. The best lenders offer fast and friendly local service that still keeps things secure and tailored to your needs. 2. Interest Rates and Fees This is the big one, right? A low interest rate means a cheaper loan. But does it really? The truth is, it’s not just about the interest rate. Some lenders advertise a super-low rate, but sneak in fees that drive up the real cost.Here’s what to look for:Interest rates (fixed vs variable)Application or establishment feesEarly repayment penaltiesMonthly account-keeping chargesAt Auckland Loans, we offer low-cost loans from 9.95%*, with transparent fees and no dodgy surprises. Plus, we’ll help you compare options from multiple lenders so you can pick the best one. 3. Loan Flexibility You want a lender that works with your life, not the other way around. That means flexible repayment options, reasonable loan terms, and loan amounts that actually fit your goals.Look for:Flexible repayment termsWeekly, fortnightly, or monthly repaymentsBorrowing limits that suit your needsWhether you’re after an unsecured loan up to $75k or a secured loan up to $150k, Auckland Loans has your back with flexible terms from 6 months to 7 years. 4. Approval Criteria Some lenders are stricter than others when it comes to approval criteria, but let’s face it—not everyone has a flawless credit history. However, that doesn’t mean you should be shut out of affordable borrowing.When choosing an online lender, ask:Do they accept applicants with poor or fair credit?Do they consider your overall situation, not just your score?Is their decision process human or fully automated?We believe that every Aucklander deserves access to fair lending—even if you’ve hit a few bumps in the past. That’s why we work with lenders who consider more than just credit scores. If you have enough regular income to cover your repayments, there’s a good chance we can get your loan application approved. 5. Customer Service and Support If you’re borrowing money, you want to feel supported. Especially when things get confusing or you just need a real person to explain your options.Here’s what to check:Is there a local team you can talk to?Do they offer personalised support or just generic chatbot replies?Are they known for being friendly, clear, and honest?At Auckland Loans, our local Auckland-based team is here to help, not hassle. We work with you to put you on a path to financial success. 6. Loan Types and Range of Lenders Some online lenders only offer one product. That’s like going to an ice cream shop and only being allowed vanilla! When you work with a loan broker (like us!), you get multiple options to choose from.Look for:Access to multiple lenders and loan typesOptions for secured and unsecured loansSpecialised products (e.g., debt consolidation, vehicle loans, personal loans)With Auckland Loans, one quick application gives you access to multiple trusted, low-cost lenders—without the need to shop around yourself. 7. Reputation and Trust Would you trust a sketchy lender with no real reviews or customer service? Didn’t think so.When doing your research, look for a service that’s a member of the Financial Services Federation (FSF). Having FSF membership, as Auckland Loans does, ensures they must act in your best interests when arranging loans. By choosing Auckland Loans, you can trust that your loan will work for you and set you up for success. So, Which Lender Is Right for You? If you're weighing up online lenders, don’t just go with the flashiest ad or the lowest rate at first glance. Ask the real questions:Are they flexible?Do they care about local service?Will they help you compare options?Can they move quickly and fairly?At Auckland Loans, we tick all those boxes—and then some. Our team of friendly locals is here to help you get a better deal, faster. With one simple application, you can compare rates and repayment options from multiple low-cost lenders. It’s easy, secure, and totally obligation-free.Apply Now!*Subject to responsible lending checks and criteria. FAQs: Comparing Lenders for a Personal Loan in NZ What should I look for when comparing lenders online?When comparing lenders, look at more than just the interest rate. Key things to check include loan fees, approval speed, repayment flexibility, customer support, and whether they offer secured or unsecured loans that suit your needs. Why is it important to compare multiple lenders before applying?Comparing lenders helps you find the most affordable and suitable loan option. Different lenders offer different rates, terms, and approval criteria, so comparing ensures you don’t miss out on a better deal. How can I tell if a lender is trustworthy?Check if the lender is registered on the Financial Services Providers Register and if they’re a member of the Financial Services Federation (FSF). Look for genuine reviews and clear loan terms with no hidden fees. Is the lowest interest rate always the best option?Not always. Some lenders advertise low rates but add fees that increase the total cost. It’s better to compare the full cost of borrowing—including fees, charges, and repayment flexibility. Can I compare lenders with one application?Yes. Auckland Loans allows you to apply once and compare offers from multiple trusted lenders. It saves you time and ensures you’re getting a deal that suits your situation. What’s the benefit of using a loan broker like Auckland Loans to compare lenders?A broker connects you with multiple lenders and helps you find a loan that fits your goals. At Auckland Loans, you get expert advice, access to better rates, and a faster, local service—all with one application. Do lenders consider more than just credit scores when approving a loan?Yes. Some lenders assess your overall financial situation, including your income and ability to repay. Auckland Loans works with lenders who take a fair, balanced approach—even if your credit history isn’t perfect. Apply Now Loan Calculator Excerpt: These days, getting a loan online is easier than ever. But with so many online lenders offering low rates and speedy approvals, how do you actually know which one is best for you? ### How Aucklanders Can Save Money On Power This Winter Let’s be real—Auckland winters aren’t exactly like the Antarctic, but the power bills? Yikes. When the temperature dips, the temptation to blast the heater 24/7 is real. But staying warm doesn't have to cost a fortune. With a few savvy changes, you can cut down your energy use and keep your bank account happy.As locals ourselves, we at Auckland Loans understand the challenges Aucklanders face during the colder months. Whether it’s rising energy costs or unexpected expenses, we’re here to help with flexible, low-cost loan options and trusted advice—backed by a fast, friendly local team.Ready to lower your winter power bills? Let’s get into it. 1. Know Your Enemy: Understand Your Power Usage Before you can cut costs, you’ve got to know where your money’s going. Most power companies in NZ offer tools that break down your usage by day or hour—use them!Knowing what’s draining your power means you can make smarter decisions, like switching to off-peak hours or cutting back on high-use appliances.Pro Tip: Look for big spikes and figure out what caused them. Did you leave a heater on overnight? Are you using the dryer every day? 2. Heat Smarter, Not Harder Heating is usually the biggest power gobbler in a Kiwi household. But there are ways to stay warm without blowing your budget:Use a heat pump efficiently: To get the most out of your heat pump, set it between 19-21°C—anything higher is wasting power.Seal the gaps: Drafts around windows and doors make your heater work overtime. Use door snakes or weather stripping to trap the warmth in.Curtains are your besties: Open them during the day to let the sun in, then close them before it gets dark to keep the heat in.Rug up inside: Layers and wool socks go a long way. We’re not saying wear your ski gear to bed, but maybe don’t rely on the heater to do all the work. 3. Use Government Resources The New Zealand government offers help to households through:Winter Energy Payment: If you're on a main benefit, NZ Super, or a Veteran’s Pension, you might qualify for this seasonal payment. It’s automatic, so check if you’re eligible on the Work and Income website.Warmer Kiwi Homes: This programme offers free insulation and grants for heaters if you meet income and location criteria. Aucklanders may be eligible—find out more here. 4. Kitchen Tricks to Lower Your Bill The kitchen is one of the sneakiest sources of wasted energy. Here’s how to outsmart it:Don’t overfill the kettle: Boiling more water than you need is a classic Kiwi habit, but it’s an easy fix.Match your pot size to the element: Using a small pot on a large element? That’s just burning dollars.Use the microwave more: It’s faster and cheaper to run than your oven.Cook in bulk: Reheating meals uses less energy than cooking from scratch every time. 5. Be a Hot Water Ninja Hot water heating is often the second-biggest power cost after space heating. Here's how to tame it:Shorter showers: We’re not saying take cold showers (brr!), but keeping it under 5 minutes saves loads.Fix dripping taps: A slow leak can waste hundreds of litres (and dollars) over time.Lower the temp: Many hot water cylinders are set too high. 60°C is hot enough for safety and comfort. 6. Unplug Vampire Devices Even when they’re off, some devices still suck power. These include:Phone chargersTVsConsolesMicrowaves with digital clocksUse power boards with switches and turn them off when not in use. It’s a small change, but every bit helps. 7. Do Laundry Like a Pro Cold washes only: In NZ, most clothes can be washed in cold water just fine.Full loads only: Running your washer half-full = twice the cost.Ditch the dryer: Use a clothes rack inside or take advantage of clear Auckland days for a sunny dry. 8. Switch Power Companies Aucklanders have options! Use Powerswitch to compare rates and plans. Some providers offer better deals for low users, off-peak times, or special promotions. Example: Contact’s Good Nights plan offers free power on weeknights. Switching to a different provider could shave hundreds off your yearly bill. 9. Check for Low-User Plans If your household uses less than 8,000 kWh a year (or 9,000 kWh in southern parts of NZ), you might qualify for a low-user electricity plan. These plans offer lower daily charges and can be perfect for smaller households or renters.Call your provider and ask if it’s right for you. 10. Use Timers & Thermostats Timers are game-changers for things like:HeatersHeated towel railsElectric blanketsSet them to turn on just before you get home or go to bed—then off again when you don’t need them. You stay warm without wasting energy. When Cutting Costs Isn’t Enough… We get it—it-sometimes, no matter how many draft-stoppers or wool socks you’ve got, the power bill still hits hard. Or maybe you’ve had a few unexpected expenses pile up at once.That’s where Auckland Loans steps in. We’re local lenders who:Offer fast, online loan approvals with same-day service*Connect you with multiple low-cost lendersHelp even if you have bad creditProvide repayment options up to 84 monthsWhether it’s a small top-up to cover winter bills or a more significant loan to consolidate other expenses, we’re here to support you.We’re Auckland-based and proud to offer friendly, local service that understands your lifestyle. No call centres. No fuss.Get a fast, free, no-obligation quote today. Better local lending starts here.Apply Now!*Subject to responsible lending checks and criteria. Apply Now Loan Calculator Excerpt: Let’s be real—Auckland winters aren’t exactly like the Antarctic, but the power bills? ### Top 7 Savings Hacks for Every Kiwi on a Tight Income Stats NZ data shows living costs for the average Kiwi household went up 3% last year, with the biggest hits coming from higher mortgage interest, insurance, rates, and rent. It’s not as steep as the 8.2% jump back in 2022, but prices are still climbing and putting pressure on most households.So, if you feel like you’re just making ends meet, you’re not alone! Managing finances on a tight income can feel overwhelming, so here are seven practical savings hacks that can help all Aucklanders make their dollars go further. 1. Master the 50/30/20 Budget Rule Budgeting is the cornerstone of financial stability. The 50/30/20 rule is a simple yet effective method: allocate 50% of your income to needs (like rent and groceries), 30% to wants (like entertainment), and 20% to savings. This approach helps you prioritise essentials while still enjoying life and building a safety net. Tools like the Sorted budgeting tool can assist you in setting up and maintaining this budget. 2. Automate Your Savings Out of sight, out of mind. Automating your savings ensures consistency and removes the temptation to spend. Set an amount to save each week and automatically transfer it to a savings account. To remove the temptation to spend, you could have this account with a different bank and don’t have a debit card associated with it.You can also use apps like Booster Savvy, which offers features like "Boost” to round up your purchases and deposit the difference into your savings. Tools like this make saving effortless and can help you build a financial cushion over time. 3. Embrace Frugal Living Frugality doesn't mean deprivation; it's about making intentional choices. Simple changes like meal planning, buying in bulk, and utilising public transport can lead to significant savings. Websites like MoneyHub offer comprehensive guides on cutting costs in various aspects of life, from utilities to groceries. 4. Utilise Budgeting Apps Keeping track of expenses can be daunting, but budgeting apps simplify the process. Apps like PocketSmith and GoodBudget help you monitor your spending, set financial goals, and stay on track. These tools provide visual insights into your financial habits, making it easier to identify areas for improvement. 5. Explore Side Hustles Supplementing your income can alleviate financial pressure. New Zealand offers various side hustle opportunities, from freelance writing and tutoring to delivering food or selling handmade crafts online. 6. Seek Government Assistance Don't overlook the support available through government programs. Initiatives like Working for Families offer tax credits and financial assistance to eligible families. Additionally, Work and Income provides various forms of support, including accommodation supplements and hardship grants. It's worth exploring these options to see what assistance you may qualify for - you may be entitled to support and not even realise it. 7. Negotiate Your Bills Many service providers are open to negotiating terms to retain customers. Contact your utility, internet, or insurance providers to inquire about discounts or more affordable plans. Comparing rates and switching to more cost-effective options can lead to substantial savings over time. How Auckland Loans Can Help You Regain Financial Control If you're juggling multiple debts and finding it challenging to keep up, Auckland Loans offers solutions tailored to your needs. Our debt consolidation loans can simplify your finances by combining multiple debts into a single, manageable payment.Bad credit? No worries. We understand that life happens, and a less-than-perfect credit score shouldn't prevent you from accessing financial support. Poor credit history isn’t a deal breaker for us. We believe in second chances, that's why we offer:Unsecured loans: Borrow up to $75,000 with interest rates starting from just 11.95%.Secured loans: Access up to $150,000 with rates from as low as 9.95%.Our local Auckland team is committed to providing fast, friendly service, ensuring you receive the support you need promptly. With flexible repayment options and a straightforward online application process, taking control of your finances has never been easier. Check out our tips on how to save for a house.  Apply Now Loan Calculator Excerpt: Living in Auckland is beautiful, but let’s be real—it's not cheap. And it’s getting worse. ### Auckland Commuters: Should You Finance a Car or Take Public Transport? If you’re an Aucklander, you know the daily commute is more than just a routine—it’s a lifestyle factor. Whether you're navigating the North Shore, dodging traffic on the Southern Motorway, or hopping off the train in Britomart, the big question remains: should you finance a car or stick to public transport?With Auckland’s sprawling geography and evolving infrastructure, the decision isn’t always straightforward. Let’s unpack the costs, convenience, and lifestyle implications of both options—and how Auckland Loans can make car ownership more achievable. The Case for Public Transport in Auckland Auckland’s public transport system - which comprises buses, trains and ferries - sometimes gets a bad wrap. Whether it’s issues with the train network or problems with buses being late, Aucklanders are quick to point out that taking public transport in the city can be a bit of a nightmare. It even prompted a review into the system’s reliability by the Auditor-General!Despite those complaints, there are some real benefits to using public transport. While coverage and frequency can vary, for many commuters—especially those working in the CBD—public transport can offer a predictable, if sometimes slower, alternative to driving. Average Cost of Public Transport Let’s break it down with just one example of a common commute within Auckland. For a commuter travelling from Te Atatū to the city (a 2-zone trip), you’d pay:Adult fare (HOP card): $4.65 each wayDaily return trip: $9.30Monthly (20 days): $172.00If you go further, say from Papakura to the CBD (4 zones), you’re looking at $7.65 per trip.AT’s 7-day fare cap scheme means as long as you use your HOP card, your fares are capped at $50 per week.That’s a pretty tidy price when compared to the upfront and ongoing costs of car ownership!Public transport also offers:Less hassle: No need to worry about petrol, WOFs, or parking meters.Environmental impact: Fewer emissions and congestion.No parking stress: If you've ever circled the city for 30 minutes, you know the value of this.However, that’s not the whole picture—especially in a sprawling city like Auckland. The Case for Car Ownership in Auckland Auckland’s public transport leaves a lot to be desired, particularly outside peak hours or away from main routes. For many Aucklanders, a car isn’t a luxury—it’s a necessity. For those who need the freedom to go exactly where they want and when they want, a car really is a must-have. Average Cost of Car Ownership Here’s a ballpark breakdown of the costs of owning a modest used car in Auckland:Purchase price: $10,000 - $15,000 (or finance from $68/week*)Fuel: $3000/year ($60 per week, depending on how far you travel)Insurance: $1000/year ($20/week)Warrant of Fitness (WOF) & rego: $300/yearMaintenance: $1000/year averageEstimated weekly cost: $165/weekSure, it's more than the bus fare. But with Auckland Loans’ affordable car loans, you don’t have to pay that $10,000 up front. Borrowing $10,000 unsecured could cost as little as $68 a week over 48 months, leaving you with the freedom of four wheels, without the financial headache.*Calculated using Auckland Loans’ online loan calculator. Based on a $10,000 loan over 48 months at 12.95%. Comparing the Real Life Trade-Offs Feature Public Transport Car Ownership Travel Time Often longer due to transfers Typically faster door-to-door Flexibility Fixed schedules and routes Total freedom to travel anytime Comfort Crowded, especially at peak times Personal space, climate control Coverage Best in city centre & major hubs Access to remote or off-route areas Convenience No parking or car maintenance Park anywhere, go anywhere Why Many Aucklanders Are Choosing to Finance a Car Let’s face it—Auckland’s urban sprawl doesn’t make public transport the most convenient option for everyone. A 10-minute drive can become a 50-minute trip when you’re stuck with limited transport options, waiting on a bus that only runs every half hour, and walking the last 1.2km to your destination.That’s where a car gives you the edge. Whether it’s:Doing the school run and heading straight to workPopping out to Westgate, Botany, or Sylvia Park on the weekendDriving to your night shift or heading out of town on a whimHaving your own vehicle just makes life easier! Auckland Loans is here to make that easier, too. Affordable Car Finance With Auckland Loans We get it—owning a car isn’t cheap, but it doesn’t have to be out of reach. At Auckland Loans, we specialise in affordable, flexible car finance Auckland-wide.Fast approvals within 1-2 hours* – Same-day decisions*Flexible terms – From 6 to 84 monthsLow rates – From just 11.95%Bad credit? – We help those with less-than-perfect scores tooWith one quick 2-minute application, you can get multiple low-cost options from trusted lenders. It’s 100% online, with support from a friendly, local team that understands Auckland life and the roads you travel. Ready to Roll? Apply online in minutes and get a fast, free, no-obligation car loan quote from Auckland Loans. It feels good to get a great deal—and even better when it’s approved the same day*.Whether it’s your first car, an upgrade, or a second vehicle for the household, we’ll help you make it happen.Apply now!*Subject to responsible lending checks and criteria. Apply Now Loan Calculator Excerpt: If you’re an Aucklander, you know the daily commute is more than just a routine—it’s a lifestyle factor. ### How to Use Your Tax Refund Wisely: Save, Invest, or Pay Off Debt? Is there any better feeling than finding out you’re getting a tax refund? After looking at your payslips all year and seeing a quarter of it (more or less) going straight to the IRD, it’s so good to get a bit back!Whether it’s a few hundred or a few thousand dollars, that bonus can open up all kinds of financial opportunities.The big question is: how should you use it? Should you save it, invest it, or pay off debt? The answer depends on your personal goals and financial situation—but there are ways to make your refund work harder for you. Let’s explore your options and see how you can turn a refund into real financial momentum. 1. Understand Your Financial Priorities Before doing anything with your tax refund, take a step back and look at your current financial situation. Ask yourself:Do I have any high-interest debt?Am I saving regularly?Do I have an emergency fund?Are there investment goals I want to reach?This simple financial check-in will help you decide where your refund will be most effective. 2. Pay Off High-Interest Debt First If you’ve got credit card debt, short-term high-interest loans, or hire purchases hanging over you, this is usually the best place to start. Using your refund to pay off—or pay down—these balances can save you a heap in interest over time.Let’s say you’re paying 20% interest on a $2,000 credit card. If you just pay the minimum each month, it would take years to pay it off. Putting a $1,000 refund toward that balance could allow you to pay it off so much faster and reduce your future interest costs by hundreds of dollars. That’s like getting a second refund, just in savings.Auckland Loans Tip: If you’ve got multiple debts, consider a debt consolidation loan. We work with local lenders to help Aucklanders bundle repayments into one low-cost, easy-to-manage loan. That way, you can simplify your finances and potentially reduce your interest rate too! 3. Build (or Boost) Your Emergency Fund Experts generally recommend having 3 to 6 months of living expenses saved in an emergency fund. But research shows that many Kiwis are underprepared, with a third of us unable to handle an unexpected $500 bill.Your tax refund is the perfect way to kickstart or top up this rainy-day fund. Set it aside in a separate high-interest savings account so it’s out of sight, but easily accessible when you need it.Having that financial buffer gives you peace of mind—and can stop you from falling back into debt when life throws a curveball. 4. Invest for Your Future Once you’re debt-free and have some savings sorted, it might be time to think about investing. In New Zealand, Kiwisaver is a smart and easy place to start.Top Options for Investing Your Tax Refund:Kiwisaver BoostYou can make voluntary contributions to your Kiwisaver at any time—and the government will match up to $260.72 each year (if you contribute at least $1,042.86 by 30 June). So, if you haven’t maxed that out yet, your refund could help you grab the full government contribution.Shares or Managed FundsPlatforms like Sharesies, Hatch or InvestNow make it easy to invest small amounts into local and international markets. Even a few hundred dollars can go a long way when invested early and wisely.Education or UpskillingInvesting doesn’t always mean the stock market. You could also use your refund to take a short course or workshop that helps you level up your skills—and boost your income potential. 5. Save for a Big Goal Got a wedding, overseas trip, first home, or new car on your mind? Your refund can be the first building block toward that big dream.Create a goal-based savings account and give it a fun name—like “Japan 2026” or “New Family Car Fund.” It helps you stay focused and motivated, and online banking makes it easy to automate your savings from there. 6. Spend a Little, Guilt-Free Let’s be real: you’ve worked hard all year, and it’s okay to enjoy a slice of your refund. The key is balance. A common rule of thumb is to split your refund like this:50% towards debt or savings30% towards investing or long-term goals20% for fun or discretionary spendingThat way, you’re being responsible but also treating yourself—a win-win. How Auckland Loans Can Help At Auckland Loans, we know that managing your money isn’t just about getting a loan—it’s about making smart, long-term decisions for your future. Whether you want to consolidate debt, explore low-cost personal loan options, or just talk to a friendly, local expert, we’re here to help.We provide:Fast, free quotes with no obligationAccess to multiple lenders, even for those with less-than-perfect creditSame-day approvals* and flexible repayment termsFriendly, local service from a team that understands AucklandersMore options. Faster service. Better local lending—that’s what we’re all about!Better options, better rates, better local lending.*Subject to responsible lending checks and criteria Apply Now Loan Calculator Excerpt: Is there any better feeling than finding out you’re getting a tax refund? ### How a Debt Consolidation Loan Can Simplify Your Finances If you’ve found yourself keeping track of multiple loan payments, credit card bills, or buy-now-pay-later instalments, you’re not the only one.Recent data from Centrix shows that 489,000 people with active lines of credit are behind on their repayments. Some people are doing it tough, with financial hardship cases up more than 11% year-on-year.Many Kiwis are dealing with fragmented debt that can feel overwhelming, especially with different interest rates, due dates, and lenders to manage.That’s where a debt consolidation loan can be a game changer—streamlining your repayments into one manageable loan. At Auckland Loans, we help people like you take back control of your finances with fast, friendly service and flexible lending options. What Is a Debt Consolidation Loan? A debt consolidation loan allows you to combine multiple existing debts into one single loan. This means you’ll make just one regular repayment to a single lender—often with a lower interest rate than what you're currently paying on your individual debts.For Aucklanders, this can translate into reduced stress, fewer admin headaches, and in many cases, significant interest savings over time. The Benefits of Debt Consolidation Here’s how a debt consolidation loan can simplify your financial life:1. One Easy RepaymentNo more juggling multiple payments with different due dates. With just one regular repayment, you can better manage your budget and avoid missed or late payments.2. Lower Interest RatesIf your existing debts include high-interest credit cards or payday loans, consolidating them into a lower-cost personal loan can save you thousands over the loan term.3. Flexible Terms That Suit Your LifestyleFind a lender that offers flexible repayment terms that suit your situation. For example, if you want to maintain more disposable income, spreading your loan over a longer period can lower your repayments.4. Improve Your Credit ScoreBy paying off high-interest and overdue debts in one go, and maintaining consistent repayments on your consolidation loan, you may see an improvement in your credit score over time.Want to see how much your repayments could be? Try our free online loan calculator. Is Debt Consolidation Right for You? Debt consolidation isn’t the perfect fit for everyone, but it’s a great option if:You have multiple debts with varying interest rates and repayment dates.You’re struggling to keep up with minimum payments.You want to reduce the amount you pay in interest.You want the simplicity of one repayment.Our team at Auckland Loans is all about better local lending. We make it easy to apply online and offer personalised support for all kinds of borrowers—even those with less-than-perfect credit scores. Emma's Journey from Financial Strain to Stability Here’s an example of how debt consolidation loans work from one of our clients.Emma faced escalating mortgage arrears, unpaid rates, and piling utility bills. The financial pressure was immense, and she needed a solution to regain control over her finances. Turning to Auckland Loans, Emma sought assistance to consolidate her debts.The team worked diligently to understand her unique situation and tailored a debt consolidation loan that addressed her specific needs. By combining her various debts into a single, manageable loan, Emma was able to reduce her monthly repayments significantly. This not only alleviated her immediate financial stress but also provided a clear path toward financial stability. What Makes Auckland Loans Different? We’re not just another lender. We’re Aucklanders helping Aucklanders.Here’s what sets us apart:Friendly local team that actually answers your questions.Fast online application—just 3 minutes to get started.Higher approval rates even if your credit history isn’t spotless.Access to multiple lenders, so you get the best deal without having to shop around.Tailored solutions—we listen to your needs and offer realistic, affordable lending options.It feels good to get a great deal—and even better when it’s sorted the same day*. Ready to Regain Control? If you’re feeling buried in debt or simply want a smarter way to manage your repayments, a debt consolidation loan with Auckland Loans could be your solution. Apply online today and enjoy:Fewer billsLower ratesLess stressAnd more time to enjoy life in beautiful AucklandLet us take care of the tricky stuff so you can focus on what really matters. Apply Online in 3 Minutes No need to book an appointment or wait on hold. Just submit your application in minutes. It’s fast, free, and there’s no obligation. Apply Now Loan Calculator Excerpt: If you’ve found yourself keeping track of multiple loan payments, credit card bills, or buy-now-pay-later instalments, you’re not the only one. ### How Auckland’s Cost of Living Shapes Your Budget—and When to Consider a Personal Loan Auckland’s cost of living has climbed steadily over recent years, with housing, groceries, and everyday expenses placing pressure on monthly budgets. Knowing when to seek financial support—such as a low interest personal loan—can help you bridge gaps, consolidate debt, or cover unexpected costs without relying on high-cost credit options.Auckland Loans offers competitive rates starting at just 9.95%*, a simple online loan application, and transparent fees, making it a reliable choice when you need extra cash flow.Read on to learn how living in Auckland shapes your spending, when a personal loan is sensible, and why Auckland Loans stands out among loan providers. Auckland’s Rising Cost of Living Auckland consistently ranks as one of New Zealand’s most expensive cities, with rents, utilities, and food costs well above the national average. The typical cost of living for one person in Auckland ranges from NZ$3,500 to NZ$4,000 per month, covering rent, groceries, bills, and transport expenses.Housing remains the largest expense: weekly rent for a three-bedroom home can exceed NZ$800, driven by strong demand and limited supply.Meanwhile, the average household income in Auckland was NZ$162,494 in 2024, compared to NZ$132,812 nationally, illustrating that even higher earners in Auckland face proportionally steeper costs. How It Shapes Your Monthly Budget Most Aucklanders spend over 30% of their take-home pay on housing alone, leaving less for groceries, transport, and leisure.Groceries & Dining: New Zealand’s grocery prices are among the highest in OECD countries, particularly in major cities like AucklandUtilities & Bills: Electricity, internet, and mobile plans can add up to NZ$400–500 per month, squeezing discretionary spending.Transport: With rising petrol costs and public transport fares, commuting expenses are another growing line item in your budget.Balancing these essentials often means sacrificing savings goals or delaying major purchases. When unexpected expenses arise—car repairs, urgent bills, or home maintenance—the pinch is even more pronounced. When to Consider a Personal Loan A personal loan isn’t for everyday expenses, but can be a smart tool when used responsibly. Consider a loan if you need to:Consolidate Loans & Credit Cards: Replace multiple high-interest credit cards or short-term loans with one manageable repayment.Cover Emergencies: Handle unexpected costs without dipping into your emergency fund.Finance Major Purchases: Spread the cost of a holiday, home renovation, or significant appliance purchase over a set term. Why Choose a Auckland Loans Low Interest Personal Loan When shopping for an online loan, you want transparency, speed, and competitive rates. Here’s why Auckland Loans checks all the boxes:Competitive Rates: Access to rates starting at just 9.95% secured*, among the lowest available for personal loans in NZ.No Cost to Apply: Complete your online loan application with zero upfront fees or obligations.Simple, Fast Process: Get approval in 1-2 hours*, with funds deposited the same day*.Transparent Fees: All fees and repayments are confirmed before you proceed, so there are no surprises down the track.Auckland Loans partners with responsible lenders to deliver low-interest personal loans tailored to your circumstances, making it easier to manage repayments within your budget. Apply Now Tips for Managing Costs Without Debt While personal loans are helpful in certain situations, you can also:Create a Detailed Budget: Track income versus expenses using apps or spreadsheets, and identify areas to trim.Shop Smart on Groceries: Compare prices, buy in bulk, and utilise specials to reduce your monthly food bill.Review Subscriptions: Cancel underused streaming or gym memberships.Boost Your Income: Consider freelancing, gig work, or part-time jobs to increase cash flow.Combining careful budgeting with occasional use of a responsible personal loan can protect your savings and maintain financial stability.*Subject to responsible lending checks and criteria. Apply Now Loan Calculator Excerpt: Auckland’s cost of living has climbed steadily over recent years, with housing, groceries, and everyday expenses placing pressure on monthly budgets. ### Emergency Loans: Fast, Local, and Reliable When You Need Money Today When emergencies strike, financial worries can add to an already stressful situation. At Auckland Loans, we understand that sometimes you simply need money today—and that’s why we offer emergency loans to help you overcome financial hurdles quickly and efficiently.As a local provider with deep community roots, our mission is to support Aucklanders when they need immediate cash, ensuring you get the right help at the right time. Understanding Emergency Loans Emergency loans are a lifeline when unexpected expenses arise—from sudden car repairs and urgent travel to home repairs or unforeseen personal expenses. These loans are designed to provide fast access to funds so you can manage crises without the burden of waiting days or weeks for a decision. At Auckland Loans, our streamlined process ensures that, in most cases, we can secure you a loan within 1-2 hours*.*Subject to responsible lending checks and criteria. A Local Provider with a Personal Touch What sets Auckland Loans apart is our commitment to being a local provider. We understand the unique financial challenges faced by residents in our community.Our dedicated team knows the local market and is passionate about assisting individuals who need fast financial solutions. This local approach not only builds trust but also ensures that you receive expert guidance tailored to your specific needs. Multiple Lenders at Your Service One of the significant advantages of choosing Auckland Loans is our status as loan brokers. Unlike traditional lenders who might be limited by their in-house funds and strict criteria, our role as brokers gives us access to multiple lenders. This variety means there is a higher chance of finding a lender who fits your unique financial situation. More lenders mean more options—and more chances of success in securing the funds you need urgently.Our extensive network of lenders lets us tailor solutions that best match your requirements. Whether your credit history isn’t perfect or you need a small sum to tide you over during a tough time, we work hard to match you with a lender that understands your circumstances and offers flexible conditions. Avoid Short Term Lenders Using a short-term lender may be tempting, especially if you have a bad credit score. However, it’s important to avoid falling prey to short-term lenders, who often impose exorbitant interest rates and hidden fees that can worsen your financial strain. Instead, turn to a reputable loan broker like Auckland Loans.Leveraging our extensive network of top-quality, low-cost lenders, we work diligently to secure you a competitive and fair deal tailored to your circumstances. Even if you have bad credit, we may still be able to help get you a great deal on an affordable loan. Apply Now Need Monday Today? Check Out Our Fast-Track Process At Auckland Loans, speed and efficiency are at the heart of our operations. We know that when you need money today, every minute counts. That’s why we’ve developed a fast-track application process that’s simple and straightforward:Easy Application: Fill out our online application form with basic personal and financial details. Our application is user-friendly, designed to be completed in just a few minutes.Multiple Lender Search: After you submit your information, we’ll be in touch to get some more information about your situation before getting to work matching you with one of our trusted lenders.Quick Decision: In most cases, you’ll receive a decision within 1-2 hours*. This rapid response helps you manage emergencies without prolonged waiting periods.Funds in Your Account: After a successful application, funds are deposited into your bank account the same day*, allowing you to address your urgent needs quickly.This fast process, combined with our local expertise and broad access to multiple lenders, ensures that you get the financial help you need as fast as possible.*Subject to responsible lending checks and criteria. Responsible Lending and Fair Practices At Auckland Loans, we are committed to responsible lending. Our process adheres to strict responsible lending checks and criteria to ensure that any financial product we offer is suitable for your current situation. We believe that lending should be fair and transparent, and we take this responsibility seriously.Our advisors are on hand to help you understand the terms of your loan and ensure that you are comfortable with the repayment conditions. Why Choose Auckland Loans for Emergency Loans? Local Expertise: Being a local provider means we’re more attuned to the needs of our community. We offer a personalised service that national lenders simply can’t match.Speed: When you need money today, our efficient process means you often get approval within 1-2 hours*.Multiple Options: Our network of diverse lenders increases your chances of securing a loan that fits your specific situation.Transparent Process: With a straightforward application and clear communication from start to finish, Auckland Loans makes the process hassle-free.Support and Advice: We’re not just about providing funds—we’re here to offer expert advice and support throughout your financial journey.*Subject to responsible lending checks and criteria. Apply Now FAQ What are emergency loans?Emergency loans are personal loans designed to provide quick access to funds in urgent situations. They are intended to help with unexpected expenses when you need money today. At Auckland Loans, we facilitate these loans through our network of trusted lenders. How fast can I get the money?In most cases, Auckland Loans can secure you a loan within 1-2 hours* and payout the funds the same day*. Our streamlined process ensures a fast turnaround so you can tackle emergencies head-on. How much can I borrow?With an unsecured loan through Auckland Loans you can borrow as little as $2,000, all the way up to $75,000. Need more? Consider a secured loan, which offers a limit of $150,000, or even more in some cases. What does it mean that Auckland Loans is a loan broker?As a loan broker, Auckland Loans acts as an intermediary between you and multiple lenders. This means we’re not limited to a single set of lending criteria, thereby increasing your chances of finding a loan solution that meets your specific needs. Are there any special benefits of choosing a local provider like Auckland Loans?Absolutely. Being a local provider, Auckland Loans understands the unique financial landscape of our community and offers tailored advice and solutions. Our close ties with local lenders and quick service delivery make us a reliable partner when you need money today.*Subject to responsible lending checks and criteria. Apply Now Loan Calculator Excerpt: When emergencies strike, financial worries can add to an already stressful situation. ### Weekend Loans The weekend is almost here, and the possibilities are endless! Don’t let your plans take a backseat because of finances.With Auckland Loans, you can access funds quickly and easily, empowering you to spend your weekend the way you want. Why Do People Choose Weekend Loans? We’ve found that there are generally two types of people who need a little extra cash. Whether you’re planning something fun or tackling a productive project, Auckland Loans has your back. Weekend Fun Shopping for a car: Found the perfect car, but don’t have the funds to secure it? A weekend loan can solve that.Shopping for appliances: Upgrade your home with a new fridge, washing machine, or TV.Weekend getaways: Enjoy a spontaneous road trip or a relaxing getaway, knowing you’ve got the funds to make it memorable.When you apply to Auckland Loans before 2 pm Friday, you could have cash in your account by Saturday morning. Throw caution to the wind and make the most of your free time! Weekend Projects Need to take care of home improvement jobs? From buying materials for a DIY deck to sprucing up your interiors with new paint or fixtures, our loans can set your plans in motion.With an unsecured loan from Auckland Loans, you’ll have the freedom to shop with cash and choose the best deals for your project needs. Apply Now What Makes Auckland Loans Different? At Auckland Loans, we pride ourselves on providing better lending solutions faster. While traditional banks might take days to approve a loan, we prioritise efficiency and affordability, offering decisions within hours.Here's why Aucklanders trust us:Unsecured Loans: Borrow up to $75,000 to use however you like, with no strings attached.Secured Loans: Need more? Borrow up to $150,000 for larger purchases or projects.Competitive Rates: Interest rates starting at just 9.95%*.Fast Loans: Submit your application by 2 pm Friday, and you could have the funds by the next day*.Forget juggling credit card debt or risking high-interest options. Auckland Loans allows you to borrow smartly and make informed financial decisions.*Subject to responsible lending checks and criteria Here’s How It Works Applying for a weekend loan with Auckland Loans is simple and stress-free:Start Your Application: Fill out our quick online form in less than 2 minutes.Get Approved: Once approved (within 1–2 hours!*), funds will be paid out the same day* or by Saturday morning.Enjoy Your Weekend: With money in your account, you’re free to fulfil your plans without worry.We welcome applications from anyone over 18 years old with employment and regular income.Even if you’ve been declined by other lenders or have bad credit, Auckland Loans may still be able to help. We specialise in helping people get back on track with our bad credit loans.Want to find out what your repayments could be? Try our free online loan calculator.*Subject to responsible lending checks and criteria Why Auckland Loans? We’ve been a trusted name in lending since 2008, helping thousands of Kiwis access fast and affordable financing. Our customers rely on us time and again for everything from emergencies to planned upgrades.Plus:Transparent Rates & Fees: With rates from 9.95% and clear terms, you’ll never be caught off guard.Excellent Service: Our team is here to guide you every step of the way, answering your questions and ensuring a hassle-free experience.Quick & Easy Process: No cumbersome paperwork – everything is streamlined online. FAQ What types of loans does Auckland Loans offer? Auckland Loans provides flexible loan options for a variety of needs, including car shopping, purchasing appliances, funding travel plans, and more. Our goal is to ensure that you have the financial support to achieve your goals. How do I apply for a loan with Auckland Loans? Applying for a loan is simple and straightforward. Fill out the online application form, and provide the necessary documentation. Our team will guide you through the process with clear and supportive communication. Can I customise my loan repayment terms? Yes, Auckland Loans offers flexible repayment options to suit your financial situation. We’ll work with you to create a repayment plan that’s manageable and fits your needs. How long does it take to get approved for a loan? Our streamlined application process ensures quick approvals, usually the same day you apply. While approval times may vary depending on the information provided, we strive to deliver decisions as soon as possible to keep things moving smoothly. Can I apply for a weekend loan if I have bad credit? Absolutely! At Auckland Loans, we believe that everyone deserves access to financial support, regardless of their credit history. While having bad credit can sometimes make borrowing more challenging, we consider various factors beyond just your credit score. Our team will work with you to assess your financial situation and find a solution that suits your needs. Don’t hesitate to reach out—we’re here to help! Apply Now loan calculator Excerpt: The weekend is almost here, and the possibilities are endless! ### Why Now Is the Perfect Time to Consider an Electric Vehicle Loan Have you been thinking about buying an electric vehicle (EV)? There’s never been a better time to make the switch.From the affordability of EVs to reduced running costs compared to petrol cars, advancements in EV technology have made these eco-friendly vehicles much more accessible to everyday car buyers.Plus, with Auckland Loans offering tailored electric vehicle loan solutions, getting behind the wheel of your dream EV is easier than ever.Here’s everything you need to know about the affordability of EVs, their running costs, and why securing an electric vehicle loan now is a savvy move. The Cost of EVs Now vs. Five Years Ago It’s no secret that EV prices have dropped significantly over the past few years, making them more accessible to car buyers. Back in 2021, the cheapest new EV in New Zealand was about NZ$65,000. Fast forward to 2025, and the EV landscape has evolved dramatically.Today, affordable models such as the MG 4 Excite 51 and BYD Atto 3 are priced at NZ$39,990 and NZ$49,990, respectively (as at April 2025). This pricing not only makes EVs accessible to a broader range of buyers but also ensures you’re investing in cutting-edge technology without breaking the bank. Combine this practicality with the additional savings from lower running costs, and the value becomes even more apparent.Looking to make the switch? Auckland Loans can help finance your EV purchase with tailored loan options to suit your needs. Apply Now EV Running Costs vs. Petrol Cars One of the biggest advantages of owning an EV is the significantly reduced running costs compared to petrol-powered vehicles.According to Canstar’s report on EV running costs:The average EV costs NZ$14.43 to drive 100km (including Road User Charges or RUCs), thanks to its energy-efficient battery technology. A plug-in hybrid is even cheaper to run, at NZ$10.61 per 100km.By comparison, a petrol vehicle costs about NZ$22.66 to drive 100km on average.When you factor in annual mileage (e.g., around 14,000km per year), the savings with an EV can amount to hundreds of dollars.If you choose off-peak electricity rates or tap into home solar charging, you could cut your EV’s charging costs even further. Every little saving helps! Taxes and Road User Charges on EVs in New Zealand While EVs are cheaper to run, it’s important to factor in road user charges (RUCs), which were introduced for EVs and plug-in hybrid vehicles (PHEVs) in 2024.Here’s the breakdown:EV owners pay NZ$76 per 1,000km travelled (roughly NZ$7.60 per 100km).PHEV owners pay a reduced rate of NZ$38 per 1,000km (NZ$3.80 per 100km), reflecting their partial use of petrol.While these charges may increase the overall cost of ownership, EVs still offer superior affordability compared to traditional petrol cars when considering total running costs and long-term savings.Despite the introduction of RUCs, the environmental and cost-saving benefits of EVs continue to make them an excellent choice for many New Zealanders. How Auckland Loans Makes Electric Vehicle Loans Easy If you're ready to drive an EV, Auckland Loans is here to help. We offer flexible electric vehicle loan options to make owning an EV more achievable. Why Choose Auckland Loans for Your EV Loan? Unsecured Loans: Borrow up to NZ$75,000 without needing collateral, and enjoy a faster, simpler approval process.Secured Loans: Looking for a lower interest rate? Opt for a secured loan with flexible repayment terms and potentially higher borrowing limits.Fast Approval: Our loans are designed with convenience in mind, often approved within 1-2 hours*, so you can drive your EV sooner.Competitive Rates: Interest rates start from just 11.95%, making your financing more affordable.*Subject to responsible lending checks and criteria. Features at a Glance: Access multiple lenders with one simple application.Flexible loan repayment terms ranging from 6 to 84 months.Expert financial advice to secure the best deal for your needs. Apply Now FAQ What is the best way to finance an EV car?A tailored electric vehicle loan gives you flexibility. Borrow up to $75,000 unsecured with no deposit required, fast approvals, and interest rates from 11.95%. Pre-approval is available, and terms range from 6 to 84 months. Prefer lower rates? A secured loan starts from just 9.95%. Who can apply for an electric vehicle loan? Anyone who meets Auckland Loans’ lending criteria, including proof of income, credit history, and identity verification, is eligible to apply. Do I need a deposit for an EV loan? No! Auckland Loans offers both secured and unsecured loan options, so don’t need a deposit for an unsecured electric vehicle loan. However, providing a deposit could lower your overall repayments. Can I get a loan approved while still looking for a car? Yes! Pre-approval allows you to shop for your EV with confidence, knowing your financing is already in place. It also speeds up the purchasing process. How much can I borrow? Our loans are highly flexible. With an unsecured loan, you can borrow up to NZ$75,000. For larger amounts, consider a secured option to access up to NZ$150,000 or more. What will my repayments be?Your loan repayments depend on how much you want to borrow and what interest rate you are offered. But for an example, if you borrowed $40,000 (the cost of an entry-level EV today) it would cost you about $190 per week over a 6 year term (based on 12.95% interest rate).Want to enter your own amount? Try our free online loan calculator. Apply Now loan calculator Excerpt: Have you been thinking about buying an electric vehicle (EV)? ### Personal Loans Auckland Looking for a fast, flexible, and reliable way to fund personal expenses? Auckland Loans offers Personal Loans Auckland-wide, with a focus on providing local solutions tailored specifically for Aucklanders.Whether you're thinking about consolidating debt, renovating your home, or taking that long-awaited holiday, our Auckland personal loans are designed to help you achieve your goals.Here's everything you need to know about cash loans in Auckland and why Auckland Loans is the trusted choice for many residents. What is a Personal Loan? A personal loan is a fixed-amount loan designed to cover various personal expenses. With Auckland Loans, you can use your loan for almost anything, as long as it’s legal! Some of the most common reasons Aucklanders seek personal loans include:Debt consolidation to lower monthly paymentsHome renovations or repairsWeddings or other special eventsEmergency expenses like unexpected bills or car repairsHolidays to recharge overseas or locallyAt Auckland Loans, we offer unsecured personal loans up to $75,000 and secured loans up to $150,000. Whether you need a quick cash boost or significant funding, Auckland Loans helps you borrow smartly and affordably. Fast Personal Loans Auckland - Get Quick Cash Today* When you need money quickly, cash loans in Auckland are your best option. Auckland Loans specialises in fast approval and payout processes. Here's why Aucklanders trust us for their cash loan needs:Same-day approval and payouts: Apply online in minutes and have funds in your account in as little as one business day.*Simple process: No tedious paperwork or in-person visits. Everything is done online to save you time.High approval rates: Even if your credit history isn’t perfect, our team works hard to find a solution that suits you.No matter your financial situation, Auckland Loans ensures low-cost lending that's timely and hassle-free.*Subject to responsible lending checks and criteria Why Choose Auckland Loans for Personal Loans? Choosing a personal loan provider isn’t just about borrowing money; it’s about choosing a partner you can trust. At Auckland Loans, we take pride in being a local team providing world-class lending solutions.Here’s what makes us stand out:Competitive Rates: Interest rates start from as low as 9.95%.*Flexible Repayment Options: Spread your payments over terms ranging from 6 to 84 months to fit your budget.Tailored Solutions: Whether you're looking for a short-term solution or a long-term repayment plan, we’ll match you with the best option available.Support for All Credit Scores: Good credit, bad credit, or somewhere in between? We specialise in helping borrowers with less-than-perfect credit histories.Local Expertise: Being Auckland-based means we understand the unique needs of our community and can cater our services accordingly. How Much Can You Borrow? With Auckland Loans, the borrowing limits vary based on your financial profile and whether your loan is secured or unsecured:Unsecured Personal Loans Auckland: Borrow up to $75,000 without providing collateral.Secured Personal Loans Auckland: Borrow up to $150,000 by using assets like a car or property as collateral.Use our loan calculator to estimate your borrowing capacity and monthly repayments. This tool is straightforward and helps you understand if the loan fits your budget. How to Get Personal Loans Auckland Getting started with Auckland Loans is quick and easy! Here’s how it works:Online Application: Fill out our simple application form in just 2 minutes.Approval Process: Hear back in just 1–2 hours.*Receive Funds: Once approved, your loan will be transferred to your account the very same day.*If you have any questions during the process, our friendly team is here to guide you every step of the way.*Subject to responsible lending checks and criteria Apply Now FAQ Who can apply for a loan with Auckland Loans? Anyone over the age of 18, residing in New Zealand, and meeting our responsible lending criteria can apply for a loan. Your ability to repay the loan will be assessed during the application process. How quickly can I get my loan approved? Auckland Loans prides itself on fast and efficient service. Once you submit your application and provide the required documentation, we aim to process your loan as quickly as possible—sometimes on the same day*! What types of loans do you offer? We offer a range of personal loan options to suit various needs, including debt consolidation, emergency expenses, and unexpected costs. Contact our team to discuss your specific requirements. Do you perform credit checks? Yes, we perform credit checks as part of our responsible lending practices. However, we consider more than just your credit score, so don’t hesitate to apply even if you’re worried about your credit history Can I get a personal loan with bad credit? Yes, you can still qualify for a personal loan even with bad credit. We understand that your credit score doesn’t define your financial situation entirely. Our team looks at a variety of factors, such as your current income and ability to repay the loan, to make a decision. Reach out to us, and we’ll work with you to find the best option for your needs.*Subject to responsible lending checks and criteria Apply Now loan calculator Excerpt: Looking for a fast, flexible, and reliable way to fund personal expenses? ### Need a $1000 Loan? Here’s Everything You Need To Know If you're looking for a quick financial boost, a $1,000 loan might seem like a great short-term solution. Whether it’s paying for unexpected car repairs or covering essential bills, small loans can help provide immediate relief when times are tough.But before you hit "apply," it’s worth considering if a $1,000 loan is the smartest option for your needs. While it can be a great fix for some situations, there are some important factors to think about. Apply Now Why Do People Look for 1000 Loans? Sometimes life throws expenses your way when you least expect them. Here are some situations where a $1,000 loan can make a difference:Unexpected Costs: Whether your car suddenly breaks down or an appliance at home decides to quit, having quick access to funds means you can sort these issues promptly.Emergency Expenses: Short on groceries, petrol, or childcare when times are tight.Making Ends Meet: If you need to bridge the gap between paydays.While a $1000 loan could help fix some of these problems in the short run, will it really help your situation in the long run? Is a 1000 Loan the Right Amount for You? While $1,000 might seem like enough, it’s important to be realistic. Think about whether this amount will cover your immediate expenses, or if you might need more.For example:Are you relying on a $1,000 loan to pay off existing loans? If so, then your current loan repayments are unaffordable. Why not try lowering them with a debt consolidation loan.Are you relying on $1,000 to cover expenses? Is it likely that you'll need to borrow more to pay for future expenses? Taking out multiple loans to meet your needs might result in extra fees, higher interest, and a complicated repayment schedule.At Auckland Loans, we’re here to help you find the best loan for your situation. We can tailor the right solution to make finances more manageable. Why a Consolidation Loan Might Be A Better Solution to a 1000 Loan If you take out several small loans, it can end up costing you more in the long run. This is where a debt consolidation loan can help, combining multiple debts into a single, manageable payment with a potentially lower interest rate.After all, $1,000 doesn’t do a heck of a lot for us these days, which is why Auckland Loans has a minimum loan amount of $2,000. But it’s possible you can get a $1000 cash loan while also consolidating your existing loans.Here’s an example:Terry owes $9,000 across three separate loans, paying an average of 20.95%.He applies for a debt consolidation loan with Auckland Loans. Our expert loan advisors get him approval for $10,000 loan, at a 14.95% interest rate.Not only are his existing loans paid off and combined into this new loan at a better rate, he has an extra $1,000 cash to do whatever he wants with!Get in touch with our friendly team today to find out how we can help lower your loan costs with a debt consolidation loan. Apply Now Why Auckland Loans Is Auckland’s Best Choice We’re not just another lender—we’re your local lender. Auckland Loans operates right here in Auckland, meaning we understand the unique needs of our community and the challenges Aucklanders face. Here’s what makes us different from big lenders:Local Lending Experts: You’re dealing with a team based in Auckland—the community is at the heart of what we do.Fast Approval and Payout: Don’t wait weeks for your money. We offer fast, hassle-free approval for urgent financial needs.Flexible Options: Whether you’re after a $1,000 loan or something larger, we offer both secured and unsecured loans to suit your needs.Great Rates: With interest rates starting at just 9.95%, we’re committed to providing affordable borrowing.Personalised Service: Unlike some faceless online platforms, we’re here to provide you with tailored advice and support every step of the way. How to Get Started with Auckland Loans Borrowing with Auckland Loans is straightforward, efficient, and stress-free. Here’s how to get started:Fill Out an Online Application: Our quick and simple form takes just a few minutes to complete.Get a Rapid Response: Our team reviews your application and gets back to you fast, so you’re not left waiting.Receive Your Funds: Once approved, your loan will be paid out quickly—often on the same day*.*Subject to responsible lending checks and criteria. Apply Now Tips for Managing Your Loan Borrowing doesn’t have to be stressful, and Auckland Loans is here to make sure it isn’t. To get the best out of your loan, follow these tips:Borrow Responsibly: Only take out the amount you need.Understand the Terms: Familiarise yourself with your loan’s interest rate, fees, and repayment plan.Repay on Time: Maintaining on-time payments will help you avoid extra fees, but can also help improve your credit score.Ask for Advice: Need help? Our team is just a phone call away to discuss how we can support you further. Apply Now Excerpt: If you're looking for a quick financial boost, a $1,000 loan might seem like a great short-term solution. ### Borrow $10k - $10000 Loan From Just $68 Per Week! Are you searching for a $10,000 personal loan that’s quick, easy, and affordable? With Auckland Loans, you’re working with a local lender trusted by Aucklanders for our fairness, efficiency, and understanding approach. Whether you need financial help for home renovations, unexpected expenses, or consolidating debt, Auckland Loans is here to make it happen. Why Choose Auckland Loans? Here’s why we’re Auckland’s go-to lender for a personal loan of $10,000:Local Lending, Personal Touch: We’re right here in Auckland, and we understand the needs of Aucklanders like no one else. Supporting Aucklanders is what we do best.Fast Approval & Payout: Get your loan approved within 1-2 hours* and, in most cases, receive the funds on the same day.Competitive Interest Rates: With rates starting from just 9.95% on secured loans, and 11.95% on unsecured loans*, we help you access affordable loans.Flexible Options for Bad Credit Borrowers: Struggling with bad credit? Our experienced team will work with you to explore loan options and find the best solution.Responsible Lending: Auckland Loans is 100% NZ-owned and operated, and we provide fair, transparent, and responsible lending services.*Subject to responsible lending checks and criteria Example of a $10000 Loan Planning for a manageable repayment schedule? Here’s how a typical $10,000 loan from us might look: Borrow amount: $10,000Weekly repayments starting from $68/week*Interest rate example: 12.95%*Loan term: 48 months (extendable up to 7 years)Total repayment (example): $14,112 over 48 monthsAs this is an example loan, the exact rate and terms you are offered will depend on your individual circumstances.*Subject to responsible lending criteria. Easy Application Process Getting a $10,000 personal loan with Auckland Loans is hassle-free. Here’s how it works: 1. Apply Online: Fill out our 2-minute online application form. 2. Fast Approval: Receive loan approval within 1-2 hours (subject to criteria). 3. Same-day Payout: Once approved, your loan can be deposited into your account as quickly as the same day!**Subject to responsible lending criteria Apply Now Loan Options Even If You Have Bad Credit Life can throw curveballs, and sometimes that affects credit scores. At Auckland Loans, we believe in second chances. We specialise in finding loans for those who face challenges like bad credit. You can count on us to listen to your story, assess your needs fairly, and find a solution that works for you. Use Your Loan for Anything You Need Whether you're planning a big event, upgrading your home, or covering unexpected expenses, Auckland Loans is here to fund your needs. Use your $10,000 personal loan for:Debt consolidationHome renovationsEmergency expensesWeddings or holidaysCar purchasesWe offer flexible repayment schedules (weekly, fortnightly, or monthly) to fit your budget. Need a higher amount like a $50,000 personal loan? or a smaller one like a $1,000 loan? Auckland Loans has options for most borrowers at highly competitive rates.  Get Started with Auckland Loans Today! If you’re ready to take the next step, apply online for your $10,000 loan now—it only takes 2 minutes. Feel free to contact us at 0800 255 155 to speak with one of our experienced loan advisors. Apply Now FAQ What are the repayments on a $10k loan?Your loan repayments depend on a number of factors, including your interest rate and loan term. For example, if you borrow $10,000 over a 60 month term, it would cost you $58 per week (based on a 12.95% interest rate). Want to try a different term? Use our online loan calculator to make your own calculation. Is it hard to get a $10000 personal loan?At Auckland Loans, the most important thing is that you can afford to meet your repayments. As long as you have enough regular income to cover your loan payments, there’s a good chance of getting loan approval. We want to see our customers succeed financially, so we’ll make sure your loan is structured so you have enough left over after your loan payments. Can I get a $10k loan with bad credit?Having a bad credit history isn’t a deal breaker for us. We believe in second chances and we work hard to find positive solutions for our clients with poor credit. If you have enough income to cover your repayments, it’s possible we can arrange a loan for you, even with bad credit. Get in touch with our friendly loan advisors today to have a free chat about your situation and they can advise you on the next steps. Excerpt: Are you searching for a $10,000 personal loan that’s quick, easy, and affordable? ### Consolidate Loans & Credit Cards Managing debts shouldn’t feel like a juggling act. Are multiple due dates, high-interest rates, and financial stress taking a toll on your finances? Then this may be the perfect solution for you. At Auckland Loans, we specialise in helping Aucklanders combine their loans and credit card balances into one manageable debt. With local expertise and genuine care for our clients, we’re here to make your financial life easier and save you money. Why Choose Auckland Loans? Local Team, Local Solutions We’re proud to be Auckland’s local lender. Our team is based right here in Auckland, meaning we truly understand the financial challenges our community faces. When you work with Auckland Loans, you're not just a number—you’re working with locals who genuinely care. Auckland is Expensive – Make Every Dollar Count Living in one of New Zealand’s priciest cities means Aucklanders need to budget carefully. Unfortunately, we see plenty of people paying more interest on loans and credit cards than they need to. Don’t throw money away—our debt consolidation loans could save you more than you imagine. Specialists in Debt Consolidation We know how overwhelming multiple loans can be. That’s why we focus on consolidating your debts into one manageable loan, offering lower interest rates, flexible terms, and significant savings. How Do We Do It? We put your application to 10 low cost lenders, and each one offers their best solution. We then discuss these options with you. Our job isn't just to provide loans, but to help you figure out what works best for you. What is Debt Consolidation? Debt consolidation is a way to bring all your debts together into one new loan. This includes credit cards, personal loans, car loans, overdue bills, and more. Instead of managing multiple repayments with varying interest rates, you get one single loan that’s easy to manage—saving you time and, more importantly, money. Not to mention, simplifying your finances can improve your credit score, reduce stress, and help you focus on your financial goals—a win-win. How Debt Consolidation Saves You Money Lower Interest Rates: Instead of juggling high-interest debts, consolidate them into a single loan with a better rate than you were paying before*. Reduced Monthly Payments: Spreading your repayments over a manageable term lowers your monthly costs, freeing up your budget for life's priorities. One Easy Payment: Say goodbye to multiple deadlines and hello to one straightforward repayment plan. Think of your consolidated loan as a financial refresh—simpler, cheaper, and more effective. *Subject to responsible lending checks and criteria. Carol’s Story – Real Savings, Real Impact Meet Carol, a pensioner from Auckland. Struggling with living expenses, Carol was burdened by her GEM Visa credit card's hefty 29.95% interest rate. She approached Auckland Loans to explore debt consolidation, and here’s what happened: We paid off her high-interest credit cards. Carol received a new loan at just 18.95% interest, significantly slashing her monthly debt repayments. Our friendly team supported her through the process, helping her every step of the way. Carol shared her experience, saying, “Thanks heaps for your help with this. Times are pretty tough at the mo. It’s great not having to pay 29% interest anymore. I will definitely recommend you.” Just like Carol, you don’t have to carry your financial burdens alone. We’re here to help you regain control. Apply Now Why Auckland Loans is Different Flexible Loan Options: Borrow up to $75,000 for unsecured loans or $150,000 for secured loans, sometimes more. Fast Approvals: Apply today and potentially get approved with a same-day payout*. Outstanding Interest Rates: Enjoy competitively low rates tailored to your financial situation. Community Care: We’re not just here to lend; we’re here to support Aucklanders on their financial journeys. Need further assistance? Use our online loan calculator to explore repayment options or get in touch with our friendly lending specialists today. *Subject to responsible lending checks and criteria. Calculate your repayments FAQ How hard is it to consolidate loans and credit cards?Getting a debt consolidation loan with Auckland Loans couldn’t be simpler. Just apply using our quick 2-minute application form and we’ll be in touch to get some more details from you. We’ll get straight to work finding you a great deal through our network of fantastic low-cost lenders. If you have enough regular income to cover your loan repayments, there’s a good chance of getting loan approval. How can debt consolidation reduce my credit card payments?Debt consolidation helps reduce credit card payments by combining multiple debts into one loan or payment plan. It often comes with a lower interest rate, saving you money and lowering monthly payments. Instead of managing several balances with different due dates, consolidation simplifies your finances. Can I consolidate my loans and credit cards if I have bad credit?We work with customers with poor credit history to find positive solutions for them. Even if you have bad credit, as long as you earn enough income to cover your payments, we can often get loan approval. Have a chat with our friendly loan advisors today and discuss your situation to find out how we can help. Can I borrow extra funds?It’s quite possible. Many of our borrowers get extra cash and lower their payments at the same time. Our goal is to make your debt serviceable, so we can restructure your loans so that you have more left over at the end of the week. In our role as Financial Advisors, we will never place you in a position that is detrimental to your well-being. Apply Now Excerpt: Managing debts shouldn’t feel like a juggling act... ### $50000 Personal Loan It's great to have dreams, whether it's renovating your house, consolidating debt, or funding a life milestone. Sometimes, though, you need a little extra help to make those dreams come true. That’s where Auckland Loans comes in.We make the process of borrowing simple, quick, and hassle-free. Here's how a $50k loan from Auckland Loans can be your perfect solution. Why Aucklanders Love Auckland Loans Aucklanders trust Auckland Loans because we move quickly, are fair, and are affordable. Say goodbye to weeks of waiting for loan approvals, paperwork, and telling your life story. With us, you’ll often get approval on the same day you apply! Best of all, we are low-cost lenders, and we help all sorts of borrowers - even those with less-than-perfect credit.Here’s why we're a favourite in the City of Sails:Fast Approvals: Same-day decisions* to get the funds into your account quickly.Local Team: Most of our consultants are based in Auckland.Flexible Options: Weekly, fortnightly, or monthly repayment schedules to suit your lifestyle.No Stress: Our friendly team takes care of the paperwork so you can focus on what matters.*Subject to responsible lending checks and criteria. What Can You Do With a $50,000 Personal Loan? Wondering how to make the most of $50,000? The possibilities are practically endless, but here are some examples:Renovate Your Home: Need to upgrade the kitchen, add a deck, or create a home office? A home renovation loan can bring your dream home to life.Consolidate Debts: Simplify your finances by combining high-interest debts into one manageable loan with a lower rate. Learn more about our debt consolidation loans.Fund a Special Occasion: Whether it's a wedding, a milestone birthday, or an unforgettable family holiday, $50,000 can make it truly spectacular.Purchase a New Vehicle: Add a reliable car to your lifestyle or finally go electric. Learn more about our car loans. How to Apply for Your $50k Loan Applying for a loan with Auckland Loans is easy and fast. Here’s how you can secure your funds in just a few steps:Complete the Online ApplicationFill out our simple online form – it takes less than 2 minutes!Speak With One of Our Loan AdvisorsOnce we receive your application, a friendly member of our team will get in touch. They’ll guide you through the process, discuss your financial needs, and find the loan that's right for you.Approval and PayoutWe work quickly – often approving loans the same day*. Once approved, your funds will be transferred into your account.*Subject to responsible lending checks and criteria Apply Now Why Choose Auckland Loans for Your Personal Loan? Auckland Loans isn’t just another lender – we’re proud to support Aucklanders with the financial tools they need to thrive.Here’s what makes us stand out:Low-Cost Lenders: We work with top lenders across New Zealand to offer competitive rates and flexible terms.Customer-Centric Approach: Your needs come first. We design repayment plans to match your budget.Fast and Local Service: Based right here in Auckland, we understand your needs and priorities better than anyone.Second Chances: Have bad credit? No worries – we’re experienced in finding solutions for borrowers with tricky credit scores. Apply for Your $50,000 Personal Loan Today! FAQ How much are the payments on a $50,000 personal loan?You can borrow $50,000 from as little as $215 per week (based on interest rate of 12.95% over 84 months). Want to pay it off sooner? Figure out what your repayments would be using our free online loan calculator. What interest rate can I get on a $50k loan?At Auckland Loans, we offer interest rates for secured loans from just 9.95%, and unsecured loans from 11.95%. The rate you are offered depends on a number of factors, such as your credit history and level of income. How hard is it to get a $50,000 loan?The most important thing is your ability to afford your loan repayments. We want to see you succeed financially, so it’s important that you’ve got enough money leftover each week after you make your loan payment.If things are looking a bit tight, we can restructure your existing loans and spread them across a longer period of time, making your regular payments lower. As long as you have enough regular income to cover your repayments, there’s a good chance of getting approval. Can I borrow more than $50,000?Yes you can! With Auckland Loans you can borrow up to $75,000 unsecured, while with a secured loan you can borrow up to $150,000, or even more in some cases. Apply Now Excerpt: It's great to have dreams, whether it's renovating your house, consolidating debt, or funding a life milestone... ### Upgrade Your Home with a Home Renovation Loan Summer is the perfect time for Kiwi homeowners to roll up their sleeves and tackle projects around the house.Whether it’s building a deck, putting up a new fence, or refreshing your space with a fresh coat of paint, renovations can bring a new lease of life to your home.But here’s the catch: renovating isn’t always cheap. If you don’t have enough cash set aside, tackling those fixes or dream projects can feel out of reach.Having enough cash on hand is especially true for people with older homes, where surprises often lurk behind walls and under floors.So, how to make sure you have enough money to fund your home reno project? That’s where the Home Renovation Loan from Auckland Loans can help. Why a Home Renovation Loan Makes Sense Taking out a renovation loan can transform your property with less financial stress. Here’s why it’s a smart choice: 1. Support Larger Renovation Projects From turning a drab backyard into a stunning outdoor entertainment area to refreshing your kitchen or bathroom, renovations can increase your home’s comfort and value. Cover major renovation costs upfront rather than waiting years to save. 2. Manage Unexpected Costs If you live in an older New Zealand home, you’ll know all too well that unexpected costs can arise once you start digging into your renovation project. A home reno loan provides you with a financial safety net to address hidden maintenance surprises quickly and stress-free. 3. Flexible Repayment Options Auckland Loans offers flexible loan terms ranging from 6 months to 7 years, giving you the ability to choose monthly repayments that suit your budget. This makes paying off your home improvement project manageable and tailored to your situation. 4. Improve Your Home's Value A well-planned renovation not only enhances your living space but also increases your property’s market value. If you’re planning on selling in the future, this could mean a greater return on your investment. How Much Do You Need To Borrow? Determining how much money you need to borrow for your home renovation project begins with creating a detailed budget.Start by outlining the scope of your reno and obtaining quotes from contractors or suppliers for materials, labour, and any additional costs.Don’t forget to include the cost of obtaining building consent, and having a contingency fund to cover unexpected expenses.Once you have a clear estimate of your total project cost, evaluate how much of this amount you can cover with your savings, and the remainder will indicate the loan amount you may need.To figure out what your monthly repayments could be, use our free online loan calculator. How Much Can I Borrow? Loansmart offers unsecured loans up to $75,000 - significantly more than many banks and other lenders. Our unsecured loan rates start at 11.95%.For those in need of more than that, we can provide secured loans up to $150,000 or even more. Our secured loans start from just 9.95% - cheaper than some banks. Easy Steps to Get a Home Renovation Loan with Auckland Loans At Auckland Loans, applying for a home renovation loan is fast, easy, and 100% online.Start by completing our simple 2-minute online application form and securely upload your photo ID and recent bank statements. This ensures we have everything we need to assess your eligibility.A dedicated loan consultant will call to introduce themselves and discuss your requirements to tailor the best solution for your needs. We then assess your application quickly and match you with the best loan options available.Within 1–2 hours*, we’ll present you with a range of options. Simply select the plan that works best for you!Loan documents are sent to you electronically for an easy, hassle-free signature.Once finalised, your funds will be deposited straight into your account, ready to kickstart your renovation project.*Subject to responsible lending criteria Why Choose Auckland Loans for Your Renovation Loan? Here’s what makes Auckland Loans stand out from the competition: Why Choose Auckland Loans for Your Renovation Loan? Unsecured personal loans up to $75,000 and secured loans up to $150,000 mean we can support a variety of projects, large or small.Competitive Interest RatesRates start from just 9.95%, making your loan interest rate affordable. Competitive Interest Rates Rates start from just 9.95%, making your loan interest rate affordable. Fast Process, Same-Day Payout Our streamlined loan application process means most loans are approved within 1–2 hours*, and you’ll often have funds in your account the same day*. No Paperwork Everything is completed online—saving you valuable time. Get the Best Deal Unlike traditional lenders, Auckland Loans acts as a broker, putting your application in front of multiple lenders to find the best fit for you.  Loan Terms That Suit You Choose repayment terms ranging from 6 months to 7 years to match your budget easily. Your Dream Home Awaits. Credit History Less Than Ideal? If you have some black marks on your credit file, you may think you won’t be able to get a loan. But don’t worry, at Auckland Loans we believe in second chances.Even if your credit score is less than perfect, we may still be able to help.We specialise in helping people obtain loans no matter what their credit score is. If you have enough regular income to cover your loan repayments, there’s a good chance we’ll be able to help.Just get in touch with a member of our friendly team to discuss your personal circumstances, and we’ll do your best to find a positive outcome for you. Apply Now Excerpt: Summer is the perfect time for Kiwi homeowners to roll up their sleeves and tackle projects around the house. ### Travel Loans: Make Your Dream Trip a Reality Dreaming of jet-setting around the globe? Maybe you're itching to see friends and family for the holidays, or explore the stunning landscapes of our own country during the best time of the year. We totally get it—those flights, hotel stays, and adventures can really stack upWhatever your reason for getting away, figuring out how to finance it all can feel daunting.That’s where travel loans come in, offering a practical way to fund the vacation you've always dreamed of.Keep reading to learn about what travel loans are, how you can use them, and how to pick the best lender for your needs. You'll see why Auckland Loans is the go-to choice for stress-free travel financing. What Is a Travel Loan? A travel loan, also known as a holiday loan, is a type of personal loan specifically designed to cover your travel expenses, allowing you to enjoy your vacation without financial stress.With a travel loan, you receive a lump sum of money that can be used for a variety of travel-related costs, such as airfare, accommodation, excursions, and meals.This flexibility enables you to manage your travel budget more effectively. Unlike credit cards, which often come with high interest rates and variable terms, travel loans typically offer lower interest rates and fixed repayment terms.This makes them a more predictable and manageable option for funding your trips, as you know exactly what your monthly payments will be and for how long. Benefits of Using a Travel Loan Travel loans provide the flexibility to finance almost every part of your journey. Here are some ways you can benefit from them:Flights and Transportation: Whether you’re flying across continents, taking a train between cities, or renting a car for a scenic road trip, a travel loan can help cover these essential costs. Having funds set aside for your holiday means you can book when the best promotions and discounts come up.Comfortable Accommodation: From luxury resorts to cozy vacation rentals or budget-friendly hostels, travel loans give you the freedom to choose accommodations that suit your needs and preferences.Unique Experiences: A travel loan enables you to fully immerse yourself in the culture and activities of your destination. Whether it’s a guided tour through historic landmarks, a once-in-a-lifetime adventure like scuba diving, or attending a special event, you can create unforgettable memories without worrying about upfront costs.Dining and Entertainment: Savoring local cuisine or enjoying a night out on the town can add a special touch to your travels. A travel loan allows you to indulge in these moments without sacrificing your enjoyment due to financial constraints.Unexpected Expenses: While you may budget carefully, unforeseen costs can arise, such as medical emergencies or last-minute changes to your itinerary. With funds from a travel loan, you’ll have the peace of mind knowing you’re ready to handle any surprises.Now that you know the possibilities, how do you go about choosing the right lender? That’s where Auckland Loans truly shines, providing you with tailored travel loan options designed to meet your needs. The Importance of Selecting the Right Lender Travel loans can turn your dream trip into reality, but selecting the right lender is essential for a smooth and worry-free borrowing experience.The right lender should offer not just competitive interest rates, but also clear terms, great customer service, and flexible repayment options.When picking a lender, think about things like the total cost of the loan, how fast you can get the funds, and how easy the application process is.A trustworthy lender should also have clear policies, with no hidden fees or confusing jargon to make borrowing more complicated than it needs to be.Auckland Loans offers all of these things, so when you choose us, you’ll be ready to set off on your adventure knowing that your financial needs are handled by a trusted partner. Why Choose Auckland Loans for Your Travel Loans 1. Unsecured Loans—Access Up to $75,000With Auckland Loans, you can get unsecured loans without needing any collateral. Borrow up to $75,000* to fund everything from a weekend getaway to a big adventure. This amount is higher than other lenders, which can cap personal loans at just $30,000.2. Competitive Rates Starting at 11.95%Enjoy interest rates as low as 11.95% for unsecured loans, making it easier to save money. Low rates mean you can relax on your trip without stressing about high repayment costs. Secured loans start from 9.95%. This is less than the current travel loan rates advertised by some banks, which start at around 13.95%3. Flexible Loan TermsPick repayment terms from 6 months to 7 years, allowing you to find a plan that fits your financial needs perfectly.4. Simple Online Process No more complicated loan applications! Auckland Loans’s smooth online system lets you complete your application in just 2 minutes, saving you time and effort.5. Quick Approvals and Same-Day PaymentsGet approved in as little as 1–2 hours* and receive your funds the same day*, ensuring you have the money just when you need it.6. Transparent Customer ServiceAuckland Loans is dedicated to clear communication and keeping you happy, making the loan process straightforward and reliable.Want to find out what your repayments would be on your dream holiday? Use our free online loan calculator and see for yourself!*Subject to responsible lending checks and criteria Make Your Travel Dream a Reality Life's too short to keep putting your travel dreams on hold! A travel loan can help you explore the world your way—whether it's sipping wine in South Australia, relaxing on Bali's beaches, or embarking on a road trip across the U.S.With Auckland Loans's affordable rates, flexible terms, and quick approval process, financing your next getaway is a breeze.Stop dreaming and start planning. Apply for a travel loan with Auckland Loans today and get ready for the adventure of a lifetime! Apply Now Excerpt: Whatever your reason for getting away, figuring out how to finance it all can feel daunting. ### $500 Loans and What You Need to Know Before Borrowing When you’re in a financial bind, a $500 loan can seem like a quick and simple solution. Whether it's an unexpected car repair, vet bill, or filling a budget gap until your next paycheck, small loans can provide immediate relief.However, before clicking "apply now," it’s important to consider if a $500 loan is the best fit for your needs—or if there are alternatives that can save you time, money, and stress down the line.Keep reading to learn why people often turn to $500 loans, the potential downsides, and smarter options to consider. Plus, we’ll show how Auckland Loans makes borrowing easy, affordable, and tailored to your situation. Why Do People Search for 500 Loans? Life happens, and sometimes your budget just can’t stretch far enough to cover everything.Here are some common reasons people look for $500 loans:Unexpected Expenses: Sudden bills like medical costs, appliance repairs, or car troubles.Everyday Emergencies: Needing groceries, fuel, or childcare when times are tight.Bridge Gaps Between Paychecks: Struggling with cash flow until the next day you get paid.Repaying Other Debt: Using one loan to cover another, which can seem helpful but often leads to a cycle of borrowing.While a $500 loan could be a handy fix, it’s important to evaluate whether it can truly solve your situation—or if it might only be a temporary band-aid. Is $500 Enough to Cover Your Needs? Before applying, take a step back and think about your total financial needs. A $500 loan might appear to be the solution, but will it cover the full extent of the issue? For example:If you need $500 to pay off another loan, is this indicative of a larger financial issue that may require a more comprehensive solution, like a debt consolidation loan?If your expenses add up to more than $500, will you end up needing to apply for multiple small loans? Remember: frequent borrowing adds up in fees and interest, potentially making it more expensive in the long term.Instead of repeatedly borrowing small amounts, a personal loan tailored to your budget can be a more sustainable alternative. Auckland Loans offers loans starting at $1,500 with flexible repayment terms from $23 per week to help meet your needs responsibly. Understanding How Small Loans Mask Bigger Problems Taking out several $500 loans over time can lead to larger financial difficulties. This is something many borrowers don’t realise until they feel trapped by mounting fees and high interest rates. Here’s how it can become a problem:High Costs: Small loans often come with higher interest rates and fees, leading to significant repayment amounts over time.Repeat Borrowing: Many people who take a small loan may find themselves needing another shortly after. This can trigger a snowball effect, creating a cycle of debt.Stress and Limitations: Frequently managing multiple small loans can become overwhelming, making it harder to keep track of repayments.By taking a little extra time to evaluate your financial needs, you may find that a larger, lower-interest loan saves you money and provides long-term peace of mind. 500 Loans - Avoiding High-Cost Lenders When seeking a loan, especially an urgent one, it’s vital to look into the interest rates and terms offered by lenders. High-cost lenders charge interest rates exceeding 50%, turning your $500 loan into a much larger debt to repay.That’s why Auckland Loans works exclusively with low-cost lenders. Our interest rates start at just 9.95%, saving you money while helping you avoid the traps of sky-high fees. We focus on providing affordable and fair options so borrowers can stay in control of their finances. Why Auckland Loans is a Smarter Choice for Your Loan At Auckland Loans, we believe borrowing money shouldn’t be stressful or overly expensive. That’s why we make the process quick, easy, and designed around your needs. Here’s what makes us different: Affordable Rates: Interest rates start from 9.95%, ensuring you pay far less compared to high-cost lenders.Flexible Loan Amounts: Borrow small amounts or secure up to $150,000, depending on your needs. We offer both unsecured and secured loans (using property or vehicles as security for larger amounts).Simple Online Process: Apply online in just a few minutes—no face-to-face meetings or endless paperwork required.Fast Approval and Payout: Get same-day approval and your funds in the bank as quickly as the next day.*Customisable Repayment Plans: Choose terms between 6 and 84 months, structured to match your financial situation.*Subject to responsible lending checks and criteriaNeed help deciding what loan type works best for you? Try our loan calculator to estimate your repayments and determine the most cost-effective plan. Borrowing to repay other loans? Consider debt consolidation instead If you find yourself consistently borrowing small amounts to pay off existing loans, it might be time to consider a debt consolidation loan. This type of loan combines multiple debts into a single, manageable payment with a lower interest rate. Benefits include:Simplified Finances: Manage one payment instead of multiple loans.Cost Savings: A lower interest rate reduces how much you pay overall.Stress Relief: Say goodbye to juggling debt deadlines.At Auckland Loans, we specialise in personalizing loan solutions to help you get back on the financial track. Apply Now Excerpt: Life happens, and sometimes your budget just can’t stretch far enough to cover everything. ### How Christmas Loans Can Help Ease The Burden Of Xmas Christmas Loans For many Kiwis, Christmas is a time of celebration and enjoying time with family and friends, but there’s a major downside to the season, too.It’s become an incredibly expensive time of year that puts a huge strain on finances.The silly season doesn't mean you have to be silly with your money! There are things you can do to ensure you can still enjoy the season while keeping on top of your money situation.Keep reading to learn more about how a Christmas Loan from Auckland Loans can help you through the most stressful time of the year. We cover why the holiday period is so expensive, and what you can do to ensure your finances are sorted before Christmas. Why is it so expensive? There’s no denying that the costs associated with Christmas have risen over the years.The pressure to buy gifts, host parties and attend events can add up quickly, leaving many Kiwis feeling overwhelmed and financially strained.In fact, research shows that New Zealanders tend to spend an average of $1500 per household during the holiday season.Food is one of the classic ways we celebrate, but even that has become an enormous burden for households whose budgets are already stretched.Meal kits are marketed as a money-saving option, but research shows Christmas meal kits can cost up to 65% of the average person’s weekly food bill!In 2023, demand for credit increased by 8% in the leadup to Christmas, with many people taking out credit cards and buy-now-pay-later (BNPL) products to see them through.One could reasonably expect this trend to continue this year, as the economic situation has only gotten worse in 2024, with unemployment soaring and many more people struggling to make ends meet.According to Centrix's October Credit Indicator, “We expect arrears to rise over the summer period, in line with forthcoming festive spending and wider seasonal trends”. Source: centrix.co.nz. Other reasons the holidays can be a burden It’s not just Christmas itself that can be the cause of financial difficulty for Kiwi households. There are other challenges the season brings that can hit people in the pocket. End of year celebrations As the year wraps up, events like New Year's Eve parties, work functions, and family gatherings lead to increased spending. Many Kiwis purchase new summer outfits, and host barbecues or elaborate meals, all contributing to higher expenses. These costs can strain budgets and leave many scrambling to cover gaps. Increased travel costs A lot of people travel to be with loved ones over the holidays, but this can also be the most expensive time to travel.Recent research by Consumer NZ showed that Air New Zealand’s airfares increase massively during school holidays, with families paying thousands of dollars more to fly than if they travelled during the school term.Auckland Loans provides low cost travel loans, often on the same day! Disruption to income Most businesses in New Zealand shut down over the Christmas-New Year period, giving workers a chance to have a break.But what if you’ve just started a new job and you don’t have enough leave to cover it?This could leave you with a period of two weeks or more when you’re not receiving any income, making the holidays an especially stressful time for you and your family. Back to school If the cost of Christmas isn’t enough, parents are then hit with back-to-school costs.Stationery, uniforms, school fees, devices - these all add up quickly! For children starting new schools, costs can be as much as $2000. How to sort your finances out It’s not all doom and gloom - there are things you can do to be proactive and get on top of your finances before Christmas.If the cost of your loan repayments is a drag on your finances, consider a debt consolidation loan.Auckland Loans can take your existing debt and combine those loans into one new loan at a lower interest rate.With interest rates from just 9.95% (secured loans) and 11.95% (unsecured loans), it’s likely your loan repayments will be significantly reduced.Not only that, but we can also structure your loan to make it more affordable, spreading your repayments over a longer term of up to 7 years.This means you have more money in your pocket each week, putting less strain on your finances. Solutions if you have bad credit Worried that your credit score will make it hard to get a loan?At Auckland Loans, we believe in second chances, which is why we work hard to find solutions for our clients, no matter what their credit score says.We work with our network of quality, low-cost lenders to find the best deal for you, even if your credit score is less than great.As long as you have enough regular income to cover the repayments, there’s a good chance we can find a positive outcome for you.Act now and complete our super quick 2-minute application form, and we’ll be in touch to discuss the next steps. Apply for a Christmas Loan from Auckland Loans, and get sorted for the festive season.  Apply Now Excerpt: For many Kiwis, Christmas is a time of celebration and enjoying time with family and friends, but there’s a major downside to the season, too... ### A Typical Auckland Family Has Much Less Discretionary Income Today It’s no secret that Auckland is a very expensive place to live, and it’s getting even worse, with research showing incomes are not keeping up with the increasing cost of living.A recent report compiled for the Kore Hiakai Zero Hunger Collective shows that a family of 2 adults and 2 children earning the median wage now has $41 less per week than they did in 2023. Source: zerohunger.org.nz/kamakonaThe report examines living costs for low-income households in Aotearoa, focusing on three scenarios: a single adult, a sole parent with two children, and two parents with two children.It assesses whether these households have enough financial resources for basic living expenses.The report shows that lower-wage earners continue to struggle in 2024, as wage increases and tax reforms have been offset by other policy changes, leaving families to continue facing challenges in covering essential costs.But it’s not just lower-wage earners that have less discretionary income to play with. Due to the cost of living crisis and rising mortgage costs, many families on good incomes are struggling to make ends meet.According to Centrix's October Credit Indicator, “We expect arrears to rise over the summer period, in-line with forthcoming festive spending and wider seasonal trends”. Source: centrix.co.nz Is your disposable income less this year With less disposable income, it gets harder to keep up with bill and debt repayments, but neglecting these can have serious implications.During tough financial times, many people prioritise paying rent over making bill payments, and this is understandable.If this is you, you’re not alone - more than 458,000 Kiwis are behind on credit payments.But it’s important not to let your debt spiral out of control because the consequences can be serious.If you miss some loan or bill payments, your credit score will take a hit, and this will make it harder for you to get credit in the future.You may also be hit with additional fees as a penalty for missing payments, saddling you with even more debt. How to lower your debt repayments If your loan payments are a drag on your income, give the friendly team at Auckland Loans a call today.We specialise in helping people take control of their finances by providing fair, low-cost loans.Our interest rates are highly competitive, starting at just 9.95%, with loan terms ranging from 6 months to 7 years.By structuring your loan over a longer term, we can save you significant amounts of money each week.One way we do this is through a debt consolidation loan, where we pay off your existing debts and combine them into one new loan at a lower interest rate.Not only is this easier for you, as you only have to make a single loan repayment, but it’s much easier on your wallet.We’ve had customers that have saved hundreds of dollars per week by taking out one of our debt consolidation loans.Want to know how much you would save? Try our free online loan calculator to find out. Apply Now Excerpt: It’s no secret that Auckland is a very expensive place to live, and it’s getting even worse... ### Car Finance Auckland Auckland is a great place to buy a car - it's a big place and there are so many options to choose from, so you're sure to find the perfect vehicle in no time. Securing car finance is an essential step in this process for many people, but what's the best way to get a car loan?For individuals looking to finance a car, Auckland has an extensive range of options available. Keep reading to learn more about the different ways you can get car finance, including tips for getting the best deal, and how to apply for a car loan. Understanding Car Finance Auckland When it comes to car loans in Auckland, there are several options available to potential buyers: Dealership Finance Many Auckland car dealerships offer in-house financing options. This can be convenient as it allows you to handle everything in one location. It often means you can drive away with your car that day - very tempting!However, it's vital to review the terms carefully to ensure you're getting a fair rate. Dealer financing can be more expensive, but because you may be less inclined to shop around after finding a car you like, you may not realize just how much more expensive it is.This is why you should always compare like-for-like offers by checking rates and building the overall cost of finance into the purchase price of the car. Suppose you get a great deal on a car you love, but when you add up the cost of the finance, that car may not be such a great deal. Bank Loans Traditional banks are a common choice for car finance in Auckland. But don’t assume that because a bank is providing them you are getting the best deal. Some banks outsource their personal lending arm to other finance companies, while others only offer one interest rate - so you could end up paying more than you need to.Moreover, banks usually enforce stringent criteria for loan approval. Individuals with imperfect credit histories may find it challenging to obtain a loan through a bank. On the other hand, finance companies and online lenders tend to be more flexible in their lending practices and are often willing to provide loans to those with difficult credit backgrounds.It is likely that car loans through a bank will be secured loans, which means the bank will hold the car as security. Personal Loans Personal loans can also be used to finance a vehicle purchase. They can be sourced from banks, credit unions, or even online lenders. The great thing about a personal loan is you generally have more freedom to buy the car you want. If you want a competitive interest rate, choose an online loan broker, like Auckland Loans. We use our network of low-cost lenders to get you the lowest rates on fair terms. Apply Now Unsecured and Secured Car Loans When you're looking to finance a car in Auckland, it's essential to understand the difference between unsecured and secured loans. Unsecured Loans Unsecured car loans do not require any collateral, meaning you don’t have to pledge an asset against the loan. Instead, lenders assess your creditworthiness based primarily on your credit score, income, and repayment history.The advantage of unsecured loans is the absence of risk to your assets; however, they generally come with higher interest rates because of the lender's increased risk. You also have the freedom to shop as a cash buyer. If you have a solid credit score and a stable income, this option could be beneficial for you. Secured Loans On the other hand, secured car loans require the borrower to put up an asset—often the vehicle itself—as collateral. This collateral reduces the risk for lenders, and as a result, secured loans usually carry lower interest rates. However, it's crucial to keep in mind that if you default on your loan, the lender has the right to seize the asset.For borrowers who may not have an excellent credit score, secured loans can offer an opportunity to access finance at more favorable rates, provided you’re comfortable with the associated risks. How to get the best car loan in Auckland The best car loan is usually the one that costs you the least, and has the fairest terms. So, how do you find the best deal? This is where a loan broker comes in.Auckland Loans is an online loan broker that arranges fair, affordable loans for Aucklanders through our network of low-cost lenders. How does the process work? We make borrowing fun and easy - you'll enjoy getting a car loan through us! All you have to do is take 2 minutes to complete our simple online application form and we'll take it from there. We'll be in touch to get some more information from you before we put your loan application in front of multiple lenders. Within 1-2 hours* we'll come back to you with some options, and you choose the deal that's best for you! After you sign the loan contract online, we'll arrange payout the same day*. How do you do it so fast? Our process is 100% online, so we've done away with things that slow the process down like annoying paperwork and face-to-face appointments. You can do everything from wherever you are, and it's all electronic so everything you sign is done online. That frees you up to get on with your day, and lets us get down to the business of finding you a great deal on a car loan! How much can I borrow? You can borrow up to $75,000 unsecured, or $150,000 secured. Not sure which is right for you? Just get in touch with one of our friendly loan advisors - they're happy to discuss your financial situation with you to help you work out the best path forward. Best Bad Credit Car Finance Auckland Navigating the world of car finance can be particularly challenging for individuals in Auckland with a bad credit history. If your credit score is less than great, you may be worried about your chances of getting a bad credit car loan.There's no need to fret, because Auckland Loans helps people with bad credit get loans everyday. We believe in second chances, which is why we give people the chance to rebuild their credit scores by offering fair car finance.As long as you have regular income and can afford the monthly repayments, there's a good chance we can find a positive solution for you. Give our friendly team a call to discuss your situation. Apply Now Excerpt: Auckland is a great place to buy a car - it's a big place and there are so many options to choose from, so you're sure to find the perfect vehicle in no time. ### Best Debt Consolidation Loans & Lenders You probably know how overwhelming it can be to manage multiple debts.Having to juggle repayment dates, interest rates, and financial obligations can be stressful.As a practical solution to consolidate debts, debt consolidation loans provide you with the opportunity to pay off a variety of debts with one repayment.As well as simplifying your financial life, it may also help reduce your overall interest rate, and you may be able to save money over the long term as a result.There are a lot of lenders that offer debt consolidation, so how can you know which is the best one for you when there are so many options available?In this article, you will learn how to find the best debt consolidation loans and what to consider when choosing a lender for your debt consolidation loan. How does Debt Consolidation work? The idea behind debt consolidation is to combine all your high-interest debts into one.The benefits of this are that you are able to pay things back easily and you can even lower your interest rates in the process.It'll simplify your finances and make life easier since you'll only have to deal with one monthly payment instead of juggling a bunch.You can plan your monthly budget much easier with a fixed interest rate and set repayment schedule. What debts are you able to consolidate? These are a few examples of types of debt you can consolidate with a debt consolidation loan:Credit card balancesPersonal loansShort-term or cash loansCar loansBuy-now-pay-later balancesOverdue bills and finesHire purchases Benefits of Debt Consolidation Payments made easier It's easier to manage your life when you only have to worry about one monthly payment instead of multiple due dates. As a result, you are less likely to miss a loan repayment, preventing you from incurring late fees, high interest rates, and accumulating even more debt. Rates are lower Many people find that consolidating their debt reduces their overall interest rates, saving them money over the loan term. Credit score improvement You can really boost your credit score when you start making regular payments on your consolidation loan. Relieving stress It can sometimes be challenging to cope with dealing with a bunch of accounts and due dates at the same time. But by consolidating your debt, you can lighten the load and only have to worry about one loan. This will also help you feel more positive about your finances and get back on track. Repayments are lower The monthly repayments on a long-term loan are often lower than those on a short-term loan. Combining many short-term loans into one long-term loan can help you save a lot of money each month. How To Find The Best Debt Consolidation Loan Here are a few things to keep in mind when you’re looking for a debt consolidation loan. Choose a lender that pays your creditors directly With their help, you won't have to worry about paying off your loans or dealing with all the back-and-forth. You'll also boost your credit score and avoid wasting money.To make the whole process super easy for you, Auckland Loans pays off your existing debts. Check to see if it will save you money When you consolidate or pay off your other debts early, you might have to pay fees, but since your interest rate will usually be lower, you should save more than those fees.It's important to choose a lender that offers tailored rates so you won't get caught out with hidden fees! Auckland Loans offers tailored rates to suit your situation, so you'll get the best deal! Ensure that you can borrow enough Check that the lender covers all your current debts since they can vary. It's a good idea to compare secured and unsecured loan options. Typically, unsecured loans range from $30,000, but with Auckland Loans, you can get up to $75,000 without any collateral. Repayment terms that are flexible Make sure your repayment plan is affordable, allowing you to save while keeping payments high enough to pay off your debt quickly. Auckland Loans offers repayment periods ranging from 7 to 6 years, so you'll have time to pay it off. Do you know how much you could save? Cost savings are one of the main benefits of debt consolidation loans.You will have lower overall loan payments because we can combine your debts into a new loan at a potential better interest rate.A customer of ours, Jarrod, was paying $469 per week on his debts, and he wanted to free up some of his disposable income. After paying off all his debts, we gave him a debt consolidation loan for $235 per week. He got $234 extra per week to spend how he wanted!Another one of our customers is Tamara. She was desperate for cash to repair her car, but couldn't afford to pay for it. She already had several loans and could not afford to pay any more. Tamara was able to fix her car with a debt consolidation loan. Her total loan payments were $100 less per week than before!Find out how much you can borrow with our free online loan calculator. How to Choose the Right Loan A debt consolidation loan can help people manage their debt and improve their finances. If you choose the right debt consolidation lender, like Auckland Loans, you can get better rates and flexible terms.Our loans are fair and affordable because of our competitive interest rates and flexible repayment options.It only takes two minutes to complete our online application, and we usually get approval within 1-2 hours*.If you need a larger loan amount, our secured loans allow you to borrow up to $150,000.It's not a deal breaker if you have bad credit. We work with people with less-than-perfect credit to achieve financial success.Find out how we can help you by getting in touch with our friendly team today.*Subject to responsible lending criteria Apply Now Excerpt: You probably know how overwhelming it can be to manage multiple debts. ### Instant Loans for Fair Credit Most likely, if you're searching for "instant loans for fair credit", you're worried that your credit score isn't superb.It's a common misconception that fair or poor credit scores will make it harder to get a personal loan. Some fair-credit borrowers try to hide their score from lenders because they're worried about getting rejected.The good news is that If you have fair credit, you can get a loan from a responsible lender, so keep reading to find out how. Credit scores: what you need to know According to your past credit activity, your credit score tells you how good you are at handling money.You've got a credit score if you've ever borrowed money in New Zealand, whether you bought a car, got a credit card, or paid your power bill.Using details from your credit history, credit agencies look at how well you pay off loans, use credit cards, and settle bills.Low scores usually mean you've had trouble keeping up with payments or you've got a lot of debt compared to what you make.You might have a hard time getting loans or credit cards because of this.You can have a credit score from 0 to 1000, where 0 is the worst and 1000 is the best.Generally, people have a credit score between 300 and 850, with a score below 300 considered bad."Fair" credit scores are between 580 and 669, while "good" credit scores are between 670 and 739. Interest rates and your credit score Borrowers with poor credit scores typically have higher interest rates because lenders see them as more risky borrowers.However, what if your credit score is fair rather than bad?A fair credit score is an indication that there has been a history of missed payments, maxing out credit cards, or other credit issues, but it's also an indication that you have potential.Personal loan providers recognize that fair credit borrowers are not outright risky; instead, they may have faced temporary financial challenges that impacted their credit scores.You can make more informed borrowing decisions if you know where you stand.You can find out your credit score by contacting Centrix, Equifax or illion, three agencies that provide credit reports in New Zealand. The importance of improving your credit score Luckily, credit scores aren't fixed. They can be improved!Your credit score increases when you pay your bills on time, or take out credit and make timely payments.You will be able to improve your situation if you can make regular loan payments, even if your credit score is poor. Choosing the right lender It's essential to find a lender that will help you succeed even if you have a fair credit score or wish to improve it.At Auckland Loans, we care deeply about our customers and want to see them succeed, unlike some lenders who are motivated only by profit.Every day we help people with poor credit history find a great deal, regardless of their credit score. How do we do this? Understanding the financial situation of our customers is the first step we take.Our chances of getting an approval are good if they are able to explain their financial difficulties and have a regular income to pay off the loan.We believe that people deserve a second chance when they make mistakes.It’s for this reason that we go to bat for people with bad credit histories. How much can you borrow? Auckland Loans offers unsecured loans up to $75,000.One of the best things about an unsecured loan is you don't have to provide any security against the loan.People with fair credit can sometimes get secured loans instead, which helps the lender offset some of the risk.You can borrow up to $150,000 with our secured loans.Use our free loan calculator to see how much you could borrow. Why you should use a loan broker As an online loan broker, Auckland Loans finds you the best affordable loans based on your financial situation.To find our customers the best deal with competitive interest rates, we use our network of low-cost lenders.Just one application gives you access to multiple lenders. Our application takes just a few minutes, and more lenders means more chances of approval!It is also important to avoid making multiple loan applications in a short period of time, as this can negatively affect your credit score.Getting a loan with Auckland Loans is as easy as filling out one short online application.We can usually get your loan approved within 1-2 hours*, and get the money into your account the same day or next, depending on the time of day you apply.*Subject to responsible lending criteria. Tailored solutions Auckland Loans provides access to lending that's personalised to you.Personal loansUnsecured car loansDebt consolidation loansWedding loansHome renovation loansFast cash loansWe offer personalised rates based on your situation, so you're always getting the best deal.Our advantage over traditional lenders is that we can offer personalised solutions, not a one-size-fits-all approach that might cost you more.Our loan terms are flexible and we offer other loan options to make monthly repayments easier.Your loan can be structured for you to be able to make monthly repayments comfortably, whether it's for 6 months or 7 years.Find out how we can help by getting in touch with our friendly team today. The search for "instant loans for fair credit" is over! Reach out to us today. *Subject to responsible lending criteria. Apply Now Excerpt: Most likely, if you're searching for "instant loans for fair credit", you're worried that your credit score isn't superb... ### Best Personal Loans Personal loans are a popular financial service that can help you handle all sorts of expenses, whether you're looking to pay off debt or splurge on something big like a holiday or a car.Unlike credit cards that usually hit you with sky-high interest rates, personal loans generally come with lower interest rates and steady monthly payments.This makes them a great choice for anyone wanting to keep their finances in check!However, not all loans are created equal. Some lenders charge higher personal loan rates, while others offer a one-size-fits-all approach that doesn't reward you for having good credit.Don't worry, we're here to clear up the confusion and give you the lowdown on how to find the best personal loans.Keep reading to learn more about the different types of personal loans, what to look for in a lender, and how to choose the best personal loan for you. Types of Personal Loans When it comes to personal loans, there are several types to consider, each catering to different needs and financial situations. Here’s a breakdown of the most common types: Unsecured Personal Loans Unsecured personal loans are perhaps the most popular type of loan. As the name implies, these loans do not require collateral, meaning your personal belongings aren't at risk if you fail to repay the loan. Unsecured loans can be used for various purposes, such as consolidating debt, house renovations, or even funding a holiday.Lenders vary in the amount they’ll lend unsecured. Auckland Loans offers unsecured loans up to $75,000, a huge increase over many lenders' $30,000 caps. Secured Personal Loans In contrast to unsecured loans, secured personal loans require you to provide collateral, such as your home or car. Because these loans are backed by an asset, they often come with a lower loan interest rate. However, if you don’t make your payments, the lender can seize the collateral. Secured loans can be a good choice for those who may not qualify for an unsecured loan due to lower credit scores, or for people who want larger loan amounts. In addition, lenders usually charge lower interest rates for secured loans because they pose less risk to them. Debt Consolidation Loans If you're juggling multiple debts, a debt consolidation loan can help you manage your financial situation more easily. When you take out a debt consolidation loan, you combine all your existing loans, credit cards, and other payments into one new loan. You can stretch out your repayments over a longer time, making them much easier on the wallet. Plus, there’s usually a chance to add a little extra cash to your loan if you need it! Small Cash Loans Sometimes life throws you a curveball and you just need a bit of extra cash to cover an unexpected bill. Random bills pop up, your car breaks down, the dog needs a vet visit, your teeth might need some work - whatever it is, a small personal loan can help. However, be honest about how much you really need to borrow, as many people don't borrow enough and then have to take out multiple small loans to cover their costs, which ends up costing more in the long run. Fast Loans When something unexpected arises and you need to take care of something quickly, a fast loan is a popular option. It could be to repair something that's broken, medical expenses, or other living expenses. At Auckland Loans, we understand the need for speed, that's why we work super fast to get you the cash you need. Just apply using out 2-minute loan application form and we can usually get approval within 1-2 hours* with same day payout*.Other types of personal loans include:Wedding loansHome renovation loansBusiness loansMedical loansSame day loansVehicle loans*Subject to responsible lending criteria. Best Personal Loans for Bad Credit If you have a bad credit history, don't be discouraged - you can still get access to the best personal loans. It all depends on your lender.Some lenders shy away from lending to people with poor credit history, but not Auckland Loans.We believe in second chances, and that even if you've made financial mistakes in the past, you deserve the opportunity to redeem yourself!Plus, if you make your loan payments on time, this will be reflected in your credit report, giving your credit score a boost.If you've got regular income and can make your monthly repayments, there's a good chance we can find a positive outcome for you. Just get in touch with our friendly team for a chat about your situation - we listen and we care! Finding the Right Lender Not all personal loan lenders are the same. Traditional lenders, like banks, tend to offer a one-size-fits-all approach, which means even if you have a good credit score, you might not get a better loan interest rate.At Auckland Loans, we have a tailored approach where we give you the lowest rate depending on your personal circumstances. As a loan broker, we use our network of low-cost lenders to get the best rates on the most favourable loan terms. More lenders means more chances of approval!We can also structure your loan with favourable repayment terms to make your monthly repayments more affordable. With loan terms from 6 months to 7 years, you can be sure you'll have plenty of disposable income left to do what you want. How to Apply for a Personal Loan Applying for a loan with Auckland Loans couldn't be easier with our fast online loan process.Simply complete our 2-minute online application form and we'll be in touch to get some more details from you. Then we'll get straight to work finding you a great deal on the best personal loan.We work 100% online so there are no pesky paper forms to fill out or appointments to attend.You don't even have to send in your bank statements - you just give us access through our secure online portal.All you have to do is apply and then sit back while we do the hard work on finding you the best loan at the lowest rate.We’ll keep you in the loop every step of the way until the money is in account.With our expertise, we’re all about finding the perfect fit for you and making sure the payments won't break the bank. How Much Can I Borrow? The amount you can borrow depends on the type of loan you take out.Our limit for unsecured loans is $75,000*, while with a secured loan you can borrow up to $150,000*, maybe even more if the financial circumstances are right.Use our personal loan calculator to find out what your payments would be.Apply Now!*Subject to responsible lending criteria. Why Choose Auckland Loans Better local lendingLowest rates from just 9.95%Loan terms tailored to you - flexible repayment optionsSuper easy application processHigh approval rates100% online process Apply Now Excerpt: Personal loans are a popular financial service that can help you handle all sorts of expenses... ### Bad Credit Car Loans Bad Credit Car Loans: Can You Get One? If you have a bad credit history but need a new car, you may be worried about your chances of getting a loan.Many people with poor credit score believe they won’t be able to get a loan, but that’s actually not the case.There are ways to get a car loan if you have a bad credit history.Keep reading to learn more about how to get a car loan despite your credit score. Why your credit history matters Responsible lenders are required to take your credit history into account before giving you a loan.This is to make sure you can actually pay back the money you borrowed, and you won’t be saddled with debt that creates more financial stress for you.To do this, lenders use one of three credit reporting agencies to find out about your credit history and what your credit score is.Your credit score is a number between 1 and 1000, with 1 being the worst and 1000 the best.A credit score of 500 is good, and most people sit between 300 and 850. Anything below 300 is a poor credit score. Your credit score isn’t fixed The good news is, that even if you have a bad credit score, it’s not set in stone. You can improve it!Many finance and utility providers subscribe to “positive reporting”, which means when you make loan payments or bill payments on time and in full, points get added to your credit score.Over time, if you keep up with your payments, your credit score will increase significantly.Auckland Loans is a positive reporting provider, so when you take out a loan through us, you have the opportunity to rebuild your credit score. Avoid making multiple loan applications If you have bad credit but really need a car loan, you may be tempted to shop around various lenders, but this isn’t a good idea.Every time you apply for credit a credit check will be done, and this is noted on your credit file. This doesn’t just apply to loan applications - it also applies to utility providers like phone and power companies.Having multiple credit checks done on your file in a short period is a sign of “credit distress”, which means you could be having trouble paying your bills.This is where using a loan broker like Auckland Loans is a great idea.When you apply for a loan through us, we put your application in front of multiple low-cost lenders. You only make one application and we only do one credit check.This is great for you because it won’t negatively affect your credit score. Also, having your application go to multiple lenders gives you a better chance of being approved! How to get bad credit car loans Auckland Loans specialises in helping people with bad credit get the cash they need.We believe that just because someone has a bad credit score doesn’t mean they should be slapped with high interest rates and fees. We make borrowing fair.When you apply for a car loan with Auckland Loans, we’ll be in touch to have a chat about your situation to find out why your credit score might be low, and talk through your options.If affordability is a problem, we can make your loan more affordable by spreading the payments out over a longer period of time.We’ll use our network of low-cost lenders to find a solution that works for you. We have high approval rates, even for people with bad credit. Why choose Auckland Loans Auckland Loans is your local team with world-class service.We provide fast, easy loans without any of the hassle.As a 100% online loan broker, you’ll find our process super easy. There’s no paperwork involved or annoying appointments to attend, you can do it all from wherever you are.Our team works hard to find you affordable loans at competitive rates so you don’t pay more than you need to.With interest rates from 9.95%* and loan terms from 6 months to 7 years, we can find the right solution for you.Get in touch with our friendly loan advisors today for a free no-obligation chat about your needs.*Subject to responsible lending criteria. Apply Now Excerpt: If you have a bad credit history but need a new car, you may be worried about your chances of getting a loan. ### Small Cash Loans Need A Small Cash Loan? At Auckland Loans, we make small cash loans easy! You'll love our fast local service, low rates, and hassle-free online process.Rates from 9.95%Approval within 1-2 hours*Savvy local teamSame-day payout*Personalised loan optionsEnjoy a better borrowing experience with Auckland Loans. More options. Faster service. Higher approval rates. What more could you ask for?*Subject to responsible lending criteria. Get Started Today We all know that life is unpredictable, and so there are times when we need a small cash loan to cover those unexpected expenses. These could be things like extra bills, car repairs, vet bills, dental bills, or appliance repairs. Whatever the need, they always seem to arise when the cash is not available!We understand that, which is why we provide small cash loans to help you cover unexpected expenses. Our friendly team can help you get the cash you need quickly.An Auckland Loans loan application can be completed in just a few minutes and approved in 1-2 hours*. Payment occurs within 1 - 2 business days after approval*.*Subject to responsible lending criteria. Apply Now! Is A Small Cash Loan Right For You? At Auckland Loans, we receive a lot of applications from people wanting to borrow small amounts of money, usually between $500 - $1000, to cover an unexpected expense.But sometimes a small cash loan isn’t the right solution.Here’s an example: Jeremy came to us wanting to borrow some money to fix his car, but he was already juggling several small loans, which all added up to $5000.Rather than adding another small loan, a better solution was for him to consolidate his debts into one larger loan.Taking out a larger loan meant he could get a better interest rate and save more money on his repayments, plus get the cash he needed to fix his car. Apply Now! Why Small Cash Loans Aren’t The Answer If you’re looking to take out a small loan, chances are you’ve already got a few loans already.Small loans can be expensive because each one will have an establishment fee, and potentially have a high interest rate.By combining your small cash loans into one bigger loan, you can:Get a lower interest ratePay off other high-interest loansSave on monthly feesLower your total loan repaymentsGive yourself a bit of breathing roomAnd get the money you originally neededWith Auckland Loans, you can borrow $5000 from as little as $55 per week!* All you have to do is apply online. One of our loan consultants will be in touch from there. Our minimum loan term is 6 months. Apply Today! Apply Online Auckland Loans: Better Local Lending Applying for a loan through Auckland Loans only requires one application, which is great because multiple recent loan applications can hurt your credit score.With us, you can apply to a number of lenders at once, with just one credit check. Your application goes to a greater number of low-cost lenders at the same time, which increases your chances of approval.You get more options, competitive rates and a better deal with Auckland Loans. How Much Can I Borrow? Small Cash Loans FAQ's What is a small cash loan?A small cash loan is a personal loan that’s for a small amount, usually between $500 and $1000. What can a small cash loan be used for?You can use a small cash loan for whatever you want, as long as it’s legal! People get small loans for things like car repairs, travel, appliance repairs, pet bills, or anything else you need a bit of cash for. What are your rates?Our interest rates start at 9.95%. The actual rate you pay depends on a number of factors, such as your credit history, level of income, and existing debt. How can I apply for a small cash loan?We offer a simple and easy loan application process. An experienced Loan Consultant will provide you with updates and ensure you are kept up to date until your loan has been settled and funds have been deposited into your account.As soon as we receive your application, we will review the available loan options and find one that meets your needs. We work efficiently to process and pay out your loan as quickly as possible.We are committed to providing you with a high-quality lending experience. When will I get my cash?To be at the top of the queue, it is ideal to submit your application as early as possible in the day. As applications are processed on a first-come, first-served basis, it is suggested to submit your application as soon as possible.Funds will be deposited into your account as soon as your loan is approved. The speed of the deposit depends on your bank. You may be able to access your funds right away or the next day.We work efficiently to process and pay out the loan as quickly as possible after receiving your application. How much can I borrow?With Auckland Loans you can borrow up to $75,000 unsecured, and up to $150,0000 secured. What will my loan term be?Auckland Loans offers repayment options of 6 months to 84 months. Apply Now Excerpt: At Auckland Loans, we make small cash loans easy! You'll love our fast local service, low rates, and hassle-free online process. ### Fast Cash Loans How to get quick loans: a guide to fast cash loans When you’re in a tight spot and urgently need cash, the last thing you need is to wait for your loan to be approved.Some lenders move slowly, making you wait days after putting in your loan application before letting you know if you’re approved.Not only is this unhelpful, it can be extremely stressful, especially if it’s a financial emergency like your car needing urgent repairs, or needing to travel for a funeral.However, there are lenders that move quickly to get your loan approved and put the cash in your account.Keep reading to learn more about how fast loans work and how to obtain one. What is a fast cash loan? A fast loan is a type of loan that is designed to be processed quickly and paid to the borrower in a short amount of time, either the same day or the following day.These loans are often used for emergency situations or when you need cash urgently.Fast loans are usually unsecured loans, which means that they don’t require any collateral.This makes them a convenient option for many borrowers who may not have valuable assets to pledge as security.Most of Auckland Loans’ lending is unsecured, which is why we’re able to move so quickly: without any assets to get valued, the process of approving an unsecured loan is much faster and simpler.People come to us for fast loans for a wide range of reasons: debt consolidation, car loans, and personal loans.No matter what your lending needs, Auckland Loans can help you find a solution. Bank keeping you waiting? Auckland Loans will get you sorted If you’ve tried to apply for a loan through a bank, you might know that it can be a slow process.Several banks have turnaround times of five days for a personal loan, and bank loan applications can take about 30 minutes with lots of questions to answer.Auckland Loans does things differently.Recently, one of our loan advisors had a client who was selling their house.He received a good offer, but upon inspecting the house, the buyer found some problems with the roof that needed to be urgently fixed.The client didn’t have the funds to get this work done so he could sell his house, so he approached a bank who told him it would take a week to assess his application and another two days to make appointments and get the contract signed.He couldn’t wait that long, so he applied with Auckland Loans, who were able to get him the funds the very next day.This is typical of the speed at which we move to get loans approved for our clients, who come to us because we consistently provide quick and easy solutions. Why Auckland Loans is so fast Applying for a loan through Auckland Loans is fast and smooth.Here’s how.It starts with our simple online 3-minute application form. You give us some basic details and we’ll be in touch soon after to get some more information from you.Then, we put your application in front of multiple lenders and come back to you with the best offer(s).We work with you to find the best solution for your lending needs and can help you make a decision that’s right for you.We then arrange for the loan to be approved and paid into your bank account.Easy!Usually we can have applications approved within 1-2 hours*. Learn more about our process *Subject to responsible lending criteria. The advantage of online loans One of the reasons Auckland Loans is able to move so quickly is that we’re 100% online.This means there’s no pesky, time consuming paper forms to fill out, and no appointments you have to attend.We do everything digitally, including checking your bank statements: you just need to give us access through our portal, and we do the rest.Being an online loan broker enables us to do what we do best - working fast to find great low-cost loans that work for you - while you carry on with your day.It’s hassle free lending done the right way. How much can I borrow with a quick loan? If you’re looking for fast lending or a same day loan, you probably want an unsecured loan. At Auckland Loans, we can lend up to $75,000 unsecured.The amount you’ll be able to borrow depends on a number of factors, like your income, credit history and existing debt.To get an idea of how much cash you could get, use our free online loan calculator to get an estimation.If you have bad credit history, not to worry. We can usually find solutions for our customers who have a poor credit score. Just get in touch with our friendly team for a free chat about your situation. Apply for a fast loan today! Apply Now Excerpt: When you’re in a tight spot and urgently need cash, the last thing you need is to wait for your loan to be approved. ### Loans for Not So Good Credit Understanding credit scores If you need a loan but your credit score isn’t so good, you might think your chances of being approved are low.Fortunately, there are some lenders that are flexible and understand that there are times when people need a second chance.This article explores how Auckland Loans helps people with poor credit scores get loans to help them on the path to greater financial freedom. If you’ve ever had credit of any kind, you will have a credit score.Your credit score is a record of how you’ve paid your debts in the past. It covers not only loans, but also utilities like phone and electricity bills.When you apply for a service, like a phone contract or a Buy Now Pay Later account, a credit account is opened, which allows you to pay the company for the service.Every time you make a payment in full and on time, your credit score goes up a little bit.On the other hand, if you’re late with your payments or you miss even one, your credit score will go down.Your credit score is a number between 1 and 1000. A score of 0 is the worst possible score, and 1000 is the best.According to Credit Simple, most credit scores are between 300 and 850, with a score of more than 500 being considered good. A score less than 300 is considered bad. How to check your credit score There are three agencies in New Zealand that provide credit reports: Centrix, Equifax and illion.To find out what your credit score is, choose an agency and go to their website to request a free report.Checking your credit report is a really good idea because you might have missed payments or credit accounts you didn’t even know about.If there’s something in your credit report that’s wrong, you can ask the reporting agency to query it and get it fixed. What if you have a bad credit score? If you’ve found out your credit score is poor, don’t panic!It’s not the end of the world, and the great news is your credit score isn’t set in stone. You can improve it!The best way to do this is to obtain further credit and make sure you make payments on time and in full.Over time, your credit score will improve, and you’ll likely find it easier to get credit in the future. Getting a loan with a bad credit score There are ways to get a loan if you have a bad credit score.The first step is to find a lender that’s flexible and understands that people deserve a second chance.If you've previously been turned down by other lenders, Auckland Loans could still help. Our belief in second chances is why we offer Bad Credit Personal Loans, like Bad Credit Debt Consolidation Loans and Bad Credit Car Loans.The amount you're approved for depends on your monthly income and financial situation, but we'll try our best to help.At Auckland Loans, we’re interested in your story and we want to understand your financial situation.As part of our easy, user-friendly process, our team gets to know you and what’s changed for you.We take the time to figure out why you have a bad credit score and do everything we can to help you get a loan you can afford.Contact our friendly team today to learn more about how we can help. How Auckland Loans helps people with bad credit Our loan advisors have countless stories of how they’ve helped people with bad credit get approved for a loan. This is just one of them.Albin came to Auckland Loans because he needed to buy a new car but had been declined from several lenders because of his bad credit history.As our advisors reviewed Albin's application and presented it to several lenders, they found that not every lender had a problem with his credit record.Different lenders use different credit reporting agencies, so some declined Albin's application while others approved it.After we arranged a loan for Albin, his car was waiting for him the next day after a lender approved his loan. Higher chance of approval Albin's story shows how Auckland Loans can help borrowers: we put loan applications in front of multiple lenders, so they have a better chance of getting approved.Some lenders declined Albin's application, but others approved it, so we could offer him options.Auckland Loans makes borrowing easy for our customers by letting them choose from many loan options with just one application.It’s important to understand that every time you apply for a loan, a credit check is done and recorded on your file.If you have lots of recent credit checks, this can negatively impact your credit score.You can avoid this by applying with a loan broker like Auckland Loans, where you only need to make a single loan application.That’s why borrowing through Auckland Loans is so easy and hassle-free.You don’t have to fill out any paperwork or attend any appointments - just make one application and let us do the hoop jumping for you! Need a loan but have bad credit? Get in touch with Auckland Loans today for a free loan assessment. Give us call today Excerpt: If you need a loan but your credit score isn’t so good, you might think your chances of being approved are low. ### The Lowdown on Low Interest Personal Loans Whenever you're in the market for a personal loan, you want to find the loan with the lowest interest rate.So how can you get a low-interest personal loan? As there are so many options and loan providers out there, it can be hard to know where to start.Read on to learn more about low-interest personal loans and how to get one. Low-interest personal loans: what are they? A low-interest personal loan is a type of loan that offers borrowers a lower interest rate compared to other types of loans.This means that you will pay less in interest charges over the life of the loan, ultimately saving you money.Low-interest personal loans are typically offered by banks, credit unions, and online lenders.It pays to shop around because some lenders are cheaper than others.You’re also more likely to get a low interest rate if you have a good credit history. Which loan providers offer low-interest personal loans? Low-interest personal loans are offered by a variety of lenders, and the right provider will depend on your situation.BanksFor many people seeking a personal loan, banks are the first choice, but they can be expensive, with higher starting interest rates than some low-cost lenders.In addition, banks often have strict criteria for lending money.You may have difficulty getting a bank loan if you have a bad credit history.Finance companies and online lenders, on the other hand, often have more discretion when lending money, and some will lend to people with bad credit.Credit unionsLow-interest personal loans are also available from credit unions.Their members often benefit from lower interest rates offered by non-profit financial institutions.As long as you meet certain eligibility requirements and open a savings account, you can join a credit union.Online lendersLow-interest personal loans are also available from online lenders.Since these lenders have lower overhead costs, they often have streamlined application processes and can offer competitive rates.Please note: make sure an online lender is reputable and trustworthy by doing your research and reading reviews. Always read the terms and conditions and be aware of rates and fees. How do online lenders compare with banks for personal loans? Borrowing through an online lender has some advantages, such as lower costs and greater flexibility.A bank loan can be more expensive than a personal loan. The starting interest rate for a personal loan through the "big four" banks in New Zealand - BNZ, ANZ, ASB and Westpac - is between 13.90% and 13.95%.Auckland Loans, on the other hand, offers a starting rate of 9.95%.Banks tend to offer a one-size-fits-all interest rate to everyone, regardless of their circumstances, whereas online lenders offer customised interest rates.Consequently, if you have a high credit score and disposable income, you may pay more through a bank.Compared to banks, online lenders offer higher lending limits, such as Auckland Loans.Auckland Loans offers up to $50,000 in unsecured loans, while banks typically offer up to $30,000.You can benefit greatly from an additional $20,000 when you are renovating your home, purchasing a car, or consolidating your debt. Why you should choose a loan broker Auckland Loans is a loan broker, which means we shop for the best deal from several lenders when you apply with us.This has the advantage of only requiring one application, but being submitted to multiple lenders at once.Your credit score can be negatively affected if you apply for too many loans, so you should apply for as few loans as you can.Our team of experts jumps through the hoops so you don't have to.All you have to do is choose the best deal for you, and we will handle the rest. In no time, you'll have the cash you need, on terms that suit your needs.Contact Auckland Loans today for a free, friendly chat about how we can help you. Learn more about the loan process at Auckland Loans. Excerpt: Whenever you're in the market for a personal loan, you want to find the loan with the lowest interest rate. ### Short Term Loans: The Ultimate Guide For people who need a bit of cash quickly, short term loans are a good option.Even though this type of lending is controversial due to its risks, it remains an attractive option for some.It is important to understand the drawbacks of borrowing from a lender that allows you to repay the loan within 6 weeks if you need cash quickly.Financially, other options are likely to be better for you. Consider all of your options before making a decision. Read on to learn more about short-term loans, why they can be problematic, and what to consider instead. Short term loans: what are they? The term short term loan refers to borrowing money for a relatively short period of time. It's usually for a small amount (less than $1000).These loans are designed to be repaid within a few weeks, or when the borrower receives their next paycheck.The interest you pay is manageable if you pay back the loan within a few weeks.As a result, a short term loan can quickly become a monkey on your back because you pay more interest the longer you take to pay it back. If money is already tight, avoid short term loans There is a good chance that you are already struggling financially if you are looking for a short-term loan.In reality, an unpaid short term loan can cause your financial situation to get much worse if you do not pay it off in a timely manner.Interest rates increase significantly once you go beyond the initial loan term - usually a few weeks.After that, you're trapped in a debt cycle where you can't pay your bills because of the high debt servicing costs, which makes you even more indebted.No one wants to be in this situation, but it happens to many people who take out short-term loans.Get in touch with Auckland Loans before you go down this path. As soon as we assess your financial situation, we can give you options that are in your best interest. Finding the best advice It's important to trust your finance company when you take out a loan.When taking out a loan, you need to make sure it is in your best interest, not just in the lender's pocket.How can you tell if they're acting in your best interest? You should choose one that is a member of the Financial Services Federation (FSF).The fact that Loansmart trading as Auckland Loans is a member of the Association demonstrates our commitment to responsible lending practices.In accordance with the FSF Code of Conduct, we must always act in our clients' best interests. Learn more about our responsible lending practices What you need to know about interest rates There is a reason why short-term loans can cause problems for borrowers: interest rates.In essence, interest is the fee that a lender charges for borrowing money from a borrower. The fee is calculated as a percentage of how much you borrow.An interest rate of 12.95 percent might be typical for someone with a good credit history.Over 12 months, you would pay just under $65 in interest on a $500 loan.An average short term loan has an interest rate of 50% or more. Loans of this type are considered high-cost.Because short-term loans are intended for very brief loan periods, interest is usually charged per day.Daily interest rates range from 0.25% to 0.80%, which may not seem like much, but the longer it takes to repay the loan, the more it adds up.A $500 loan, for example, would cost almost $20 in interest over a four-week term - plus an establishment fee.Taking 12 months to pay it back would cost you about $250 in interest and penalties the lender would charge you for being late.As a result, short-term loans have high interest rates. That's fine if you're paying back the loan within a few weeks, but if it takes longer, you'll be slammed with massive costs making it difficult to repay the loan, leaving you in terrible financial straits. Regulations limiting dodgy lending In the past, there were many more short-term lenders in the New Zealand market.Since 2021, new laws have been introduced to target predatory lending practices, so a lot of those lenders have been weeded out.New rules limit the amount of interest and fees that can be charged on a loan to 100% and prohibit compound interest on high-cost loans.In our role as responsible lenders, Auckland Loans supports this initiative that protects people in financial distress.There are some lenders - including high-cost lenders - who are motivated by profits.With Auckland Loans, we help our clients through difficult times by arranging smarter loans. Loans for emergencies are needed Although Auckland Loans believes short-term loans should be the absolute last resort, emergency loans are available for people who need money right away.There are times when you need cash very quickly for something that comes up. At Auckland Loans, we offer caring financial assistance to those in that situation.It's so easy with us! You don't have to jump through hoops because we do it for you. Complete our 3-minute online application form, and we'll contact you for more information.Afterward, we'll submit your loan application to 11 different lenders so you can choose the best deal. With smart solutions that meet your needs, we work hard to get you a fair deal. Why choose Auckland Loans Whenever you need a quick loan, Auckland Loans is the right choice. Our team is here to help you no matter how much cash you need.We specialise in finding smart solutions for people in tricky financial situations, even if they have bad credit. We offer loans starting at $2,000 over a six-month minimum term.Generally, our lending is unsecured, but sometimes we need to use a car or other asset for security. Get a FREE loan assessment Get in touch with us today and we'll give you a free loan assessment. Let us take a look at your financial situation and discuss some options with you without any cost or obligation.You can make an informed decision by knowing where you stand. Short-Term Loans FAQ's Can I get a short-term loan with no credit check? Before lending money to you, lenders in New Zealand must verify your ability to repay it. As part of this process, lenders will run a credit check because your credit history provides valuable information about your debt management. Bad credit doesn't mean you can't get a loan, and if you're diligent about making your loan repayments, your credit score can improve. With Auckland Loans, you don’t have to hide your credit score. Despite their poor credit history, we have helped thousands of borrowers get fast, fair, affordable loans. Learn about how Auckland Loans arranges bad credit and second chance loans for people with poor credit history. Can I get a loan in 1 hour? A "1-hour loan" or an "instant loan" don't exist, since lenders need to do some checks before lending you money. There is, however, the possibility of getting a same-day loan through Auckland Loans We don't keep you waiting at Auckland Loans. Upon completing our 3-minute application, we'll contact you to discuss your application before providing you with multiple options. We'll arrange for the money to be transferred to your account once you've chosen the best deal. Cash can be paid the same day if the online contract and any additional steps are completed before the end of the day. It may arrive the same day or the next morning, depending on your bank. Learn more about getting a same-day loan with Auckland Loans. Do you guarantee approval for short-term loans? We make sure you can afford a loan before we arrange it as a responsible loan broker. Our goal is to see people achieve financial success and freedom, not default on their loans and damage their credit ratings. As proud members of the Financial Services Federation, we must put your best interests first when arranging loans. Can I get a short-term loan with no bank statement? Before granting loans, lenders are required to conduct affordability checks under New Zealand consumer credit laws. When you apply for a loan through Auckland Loans, we require you to provide your last three months' bank statements. Using this, we determine whether you can repay the loan based on your income and expenses. Learn more about Auckland Loan’s processes Apply Now! Excerpt: For people who need a bit of cash quickly, short-term loans are a good option. ### Do you need a holiday loan? Are you planning a trip this summer? Do you have something extra special on your wish list? Don't wait till the last minute to get the cash to finance it. With our holiday and Christmas loans, you can finance your dreams affordably. We understand that you may need a little extra cash to tick off your Christmas wishlist.Our goal is to make the process simple and hassle-free for you. With Auckland Loans, you can expect:Competitive rates starting at 9.95%*Same-day approval and payout*Flexible repayment options ranging from 6 to 84 monthsUp to $50,000* with an Unsecured LoanHigher borrowing capacity with a Secured Loan (Property and/or Vehicles)Simple 3-minute online application processWe also understand the excitement that comes with planning a holiday, and our loan experts are here to make it happen. Since 2008, we have been helping thousands of Kiwis achieve their holiday and Christmas dreams. We’d love to help you too. Keep your lending costs low Let's face it, Christmas can be a joyful time, but it can also be stressful financially. So how do you enjoy the season without adding to your burden? Here's where we come in.If you already have loans, we look at your entire lending situation to try and find a better deal for you. If we can find a way to lower your repayments, we’ll let you know. We put your application out to our network of low-cost lenders. With one application, you can get multiple loan options. Plus, you only have one credit check (lots of credit checks can lower your score). On the Naughty List? Let’s see if we can give you a second chance. We're different from other loan companies because we put people's financial well-being first by providing fair, affordable loans.Lending isn't just about numbers to us - it's about people. We’re interested in your story, how you got into this situation and how we can help you improve your credit score.At Auckland Loans, we believe that everyone deserves fair and affordable loans.Take the stress out of Christmas and make this holiday season unforgettable with Auckland Loans. Get A Free Loans Assessment Already have existing loans? Don't worry, we can offer you a free loan assessment. Our goal is to make your repayments more manageable and provide you with the extra cash you need.Many of our clients come to us after experiencing rejection from other lenders. By making your current repayments more affordable, we can help you achieve your financial goals.With Auckland Loans, your holiday and Christmas dreams are within reach. Experience the difference today! Free Loans Assessment Holiday and Travel Loans FAQ What is a Holiday Loan? It is a type of personal loan that enables you to finance your dream vacation or other leisure activities. Travel loans, also known as holiday loans, cover travel expenses, such as flights, hotels, car rentals, and entertainment. Also, you can get Christmas loans to get you through the holiday season. What are the benefits of a Holiday Loan? By taking out a holiday or travel loan, you can enjoy your trip without worrying about how you will pay for it. Accommodations, food, entertainment, and transportation can all be paid for with the loan funds. How to apply for a Holiday or Travel Loan? Applying for a holiday loan through Auckland Loans couldn’t be easier with our simple 3-minute online application process. Just give us some basic details and we’ll be in touch with you to go over your application and get you the best deal. We put your application in front of multiple lenders and give you options so you can choose the best loan for you. Can I get a same day Holiday Loan? It is possible to get a loan the same day you apply. We process loans on a first come, first serve basis, so the earlier in the day you apply, the better your chances of being approved that day. Once you’re approved, the money could be in your account that same day, or the next day. All applications are subject to responsible lending checks. What are your rates for a Holiday Loan? Our rates for holiday, travel and Christmas loans are the same as for our personal loans: they start at 9.95%. The rate you get depends on things like your credit history, disposable income and how many other loans you have. Can I apply for a Holiday or Travel Loan if I have bad credit? The chances of your loan being approved are reasonable if you have a stable income and can afford your repayments. You may still be able to get a quick travel loan even if you have a poor credit history. Your personal circumstances are taken into account, and we try to understand why you defaulted on the payment. We are interested in your story, and don’t make decisions based on numbers alone.If you can provide a reasonable explanation, and you have a better chance of meeting your monthly payments, why shouldn't you be given a second chance? We may offer you a secured holiday or travel loan if you don't quite meet our normal lending criteria. In this case, we will require some form of security. Many times, however, we approve unsecured travel loans. Apply Now! Excerpt: Are you planning a trip this summer? Do you have something extra special on your wishlist? ### Loan brokers: what do they do? Using a loan broker can help ensure you're getting the best deal when borrowing money.Banks and finance companies are the most common places people go when borrowing money. You can get money from a lot of different institutions, and they often charge different rates, on different terms.It's hard to tell if you're getting a good deal since there are so many lenders and different loan features. It's also time-consuming to apply for different loans with different lenders. It's important to know that applying for loans with different lenders means more credit checks are done by those lenders, all of which are kept on your credit history.Having lots of recent credit checks and declined applications can hurt your credit score. That's where a loan broker comes in. You can borrow money from a loan broker, but they don't lend you the money directly. They have connections with different lenders and can offer you a variety of options.With just one application, you can get multiple loan options, giving you a higher chance of getting a loan. Also, your credit score is only checked once, so your credit score won't be adversely affected. Some loan brokers are better than others. Check out these tips to make sure your loan broker is acting in your best interest.Brokers earn money by getting loans from lenders on your behalf. The lenders pay the broker's commission. Brokers can also serve as financial advisors - this is a huge advantage. In other words, they can offer you more than just loan options. They can discuss the pros and cons of each. They must point out which is best for you.They're accountable for the recommendations they make and must prove they put their clients' well-being above everything else.Suppose you had three loans to choose from, and one of them generated a lot of commission for the broker, but wasn't in your best interest - a broker who is a financial advisor has to tell you this, even if they lose out on commission.A loan broker isn't always a financial advisor. That means they don't have to point out which loan option is in your best financial interest. Be sure to check if your loan broker holds a Financial Advice Provider License issued by the Financial Markets Authority. Loansmart Limited trading as Auckland Loans does! Here’s why we are a smart choice. Auckland Loans trading as Loansmart Limited takes the hassle out of getting a loan by providing quick, smart, and trusted solutions. You don't have to jump through any hoops, we do everything for you.You can apply online in just a few minutes.When you apply, we'll put your application in front of low-cost lenders.Then we show you your options and explain which deal is best for you. Having options lets you compare the offers and find the best deal for you.Auckland Loans are your local team with word class service. We act in your best interest, so we’re the ideal choice. We’re also fast, giving you the best low-cost options so you get a deal that works best for you.With Auckland Loans you can relax knowing you'll get a great deal - fast - from a company that values your financial well-being. Apply Now! Excerpt: Using a loan broker can help ensure you're getting the best deal when borrowing money. ### Car Repair Loans Many of us rely on our car for everything: getting to and from work, picking up the kids from school, getting groceries, and many more things.Unfortunately, sometimes our cars break down and need to be repaired.A car repair bill that comes out of nowhere can be devastating, especially if you're already struggling to make ends meet.Luckily, you can get back on the road without breaking the bank with an Auckland Loans car repair loan. Car repairs are getting more expensive Car repairs are a lot more expensive than they used to be, according to the AA.Due to new technology, cars are more complicated, requiring more time and parts to fix. Changing a bumper on an old car can cost up to $1,000, but on a newer car, it can cost more than $3,000 because of in-built sensors and special coatings.In addition, windshields are more expensive now because features, like driver assist technology, require additional calibration. Even though newer cars are nice to drive, they could come with a big repair bill when something goes wrong.You can spend more than $1,000 on even simple repairs. A car repair loan might be the best way to get you moving again if you don't have an emergency fund. How to get a car repair loan with bad credit You don't have to turn to a high-cost payday lender if you need to fix your car urgently but you have a bad credit score. Often, people with bad credit go to high-cost lenders with interest rates over 50%, but Auckland Loans can give you low-cost options.As your local lender, we help people with bad credit get low-cost loans, so you can get your car running again without getting into a cycle of debt you can't get out of. What if you already have other loans? With Auckland Loans, you can consolidate your debts that you've already borrowed from other lenders. By bringing all your loans together under one low interest rate, a debt consolidation loan can save you a lot of money.Auckland Loans can help you if you need car repairs urgently but already have loans. Our smart loans are low cost, hassle-free, so you can focus on the important stuff. Our process Auckland Loans makes getting a loan as easy as possible - we handle everything for you.After you fill out our online application, we call you to get more details, and we submit your loan application to different lenders. Next, we'll show you a few options, and you'll pick one.Talk to our team today about how we can help you get back on the road. Apply Now! Excerpt: Many of us rely on our car for everything: getting to and from work, picking up the kids from school, getting groceries, and many more things... ### An emergency fund: how to start one There are times in life when you are faced with something unexpected. And sometimes, that unexpected thing comes at a high price.You need a new washing machine. You need a new radiator for your car. Your dog needs surgery. All of these will probably cost more than $1000. Are you able to access that money today without going into debt? Without an emergency fund, you could end up going into debt when these unexpected things happen.Many New Zealanders face significant financial hardship when they fall into debt unexpectedly. Being in debt can make life hard because it limits how much money you can spend on daily living costs. Also, if you're being charged high-interest rates on your debt, it can be difficult to pay it off.Maintaining a healthy financial situation means avoiding debt as much as possible. Having an emergency fund is an excellent way to do this. How much should I have in my emergency fund? There should be enough money in your emergency fund to cover three months of household expenses.The amount will depend on your situation, but on average, a single person will spend $3,000-4,000 a month on household expenses, while a family of four will spend $5,000-$6,000.That means a single person needs an emergency fund of at least $12,000, while a family of four needs an emergency fund of at least $20,000. How to get started It may seem impossible to save that much money if money is already tight. Don't worry - you don't have to save it all at once - you can build up your emergency fund over time.Starting with something is a good idea, so put at least $1,000 into your emergency fund right away. In the meantime, you may be able to sell some things you no longer need or work a few extra hours if needed.If you are able to save this amount, you will feel more confident and will believe that you can achieve your goal. How to build your emergency fund Once you’ve started contributing to your emergency fund, all you have to do is keep adding! Save only what you can afford - if you make life too difficult for yourself by trying to save too much, you'll give up.You must find saving rewarding if you're going to stick to it, so figure out how much you'll save each week or month.If you earn $1,000 per week, for example, 2% of your income might be a manageable place to start. That works out at $20 per week. You could automatically transfer funds from your main bank account to your savings account so you won't have to worry about it. How long will it take to save my emergency fund? There is no quick fix to building an emergency fund. This is a long-term endeavour. A timeframe for saving your emergency fund depends on how much disposable income you have.If you can only spare a small amount, five years might be a reasonable amount of time for you to save your three months of expenses. Or it might be possible for you to do it in just a few months.Calculate the time frame based on how much you can set aside each pay period. For example, if your goal is to save $13,000 and you can save $50 a week, you can save that in five years. Consider a debt consolidation loan If you're in debt and most of your disposable income goes towards repaying it, you won't have much left over for an emergency fund. You can make your repayments more affordable by talking to the experts at Auckland Loans.By comparing different lenders' offers, they are able to find you the best deal. Your emergency fund can be built up more quickly when less of your income is spent servicing your debt. Save your tax refund Each year, the IRD gives some New Zealanders a nice little gift in the form of a tax refund. No matter how much you receive, you'll probably want to spend it right away.As alluring as it is, It's a good idea to resist this impulse and give your emergency fund a boost instead. Try to save a little of your tax refund for an emergency fund if you get one. How to use your emergency fund Make sure you are clear with yourself about what you can and cannot do with your emergency fund. The purpose of your emergency fund is only to cover unexpected expenses that you otherwise wouldn't be able to cover.It's for things you need to survive, not for luxury items.For example, it would be a good idea to dip into your emergency fund to fix your car so you can get to work.In contrast, buying tickets to see a concert is not a good reason to access your emergency fund. The best place to keep your emergency fund Keeping your emergency fund in an account you can't easily access is a smart idea.When you've saved a decent amount of money, there will be a temptation to spend it, so you're better off limiting your ability to that.You can open an account with another bank and request that you not have an EFTPOS or debit card. This way, you can only access it via online banking, so impulsive spending is less likely. Getting into the habit of saving A big reason saving is so hard is because buying stuff makes us feel good. Whenever you buy a new pair of shoes from the mall or receive a courier package from a recent session of online shopping, your brain releases dopamine.For a while, this gives you some good feelings, urging you to repeat the behavior. The problem is, you can only do this so many times before you’re in a difficult financial situation.When you make spending a habit - which so many of us do! - you'll get stuck in a cycle of debt, where you have to keep borrowing money to keep spending.Instead, make saving a habit by making little changes to the way you manage your money. Consider diverting those savings into your savings account every time you're about to buy something you don't need.It's amazing how quickly you get $100, then $500. Making saving a habit will help you build financial security and stability faster than spending to feel better.Plus, you'll have something to look forward to (like a holiday or a new car) without going into debt! Saving money gives you freedom You'll enjoy feeling more relaxed about life when you reach your emergency fund goal. Money worries are a significant source of stress, especially when unexpected expenses arise.If you have an emergency fund, you won't have to worry about getting into trouble because you'll know you're protected. You can even start saving for things you want instead of just what you need. It gives you the option to splurge a little on luxuries and enjoy life to the fullest.You should keep this reward in mind as you work towards your savings goal. How Auckland Loans can help you achieve your goals With Auckland Loans, you can access fast, low cost loans tailored to your needs.We're your local lender, putting your needs first so you can borrow with confidence.With our experience and trusted advice, you can borrow money with confidence. With loan periods ranging from 6 to 84 months, we'll help you get the loan that's right for you.Get in touch with us today to find out how we can help you get a great deal. Apply Now! Excerpt: There are times in life when you are faced with something unexpected. And sometimes, that unexpected thing comes at a high price... ### What you need to know about instant loans Quick and Easy loans When you need cash fast, you need a lender that will give you a quick loan solution without the fuss. Auckland Loans are the experts in providing low-cost money solutions to people looking for instant loans.If you're searching for instant loans you probably need cash in a hurry, but you should know that "instant" loans don't actually exist. It's possible to get a same-day loan, but any responsible lender will check you out before lending you money to make sure you can pay it back. Online process Our online application process takes just a few minutes! With Auckland Loans, getting a loan has never been easier - just give us some basic info, and we'll handle the rest.For the process to start, you'll just need to provide us with a photo ID and a recent bank statement. With an online loan application, you don't have to take time out of your day to visit a branch in person. No paperwork Filling out lengthy forms is the last thing you want to do if you need cash quickly.With Auckland Loans, you can apply for a loan online without having to fill out any paperwork. It's so easy! And you can do it without documents from any device. Giving you options We'll put your loan application in front of multiple lenders so you'll have options. You can then pick the best deal for you.It takes just 1-2 hours with no paperwork - we do all the work! Just fill out one application, then let our experts handle the rest. Same day payment Getting a loan with Auckland Loans is fast and easy. After you fill out our simple online application, we'll contact you to discuss your application before sending you options from multiple lenders.We'll arrange for the money to be paid into your account once you've chosen the best deal.In most cases, if you fill out the online contract and any extra steps by the end of the day, we can pay the cash the same day. You'll see it in your bank account the next morning, depending on your bank. Apply Now! Excerpt: When you need cash fast, you need a lender that will give you a solution without the fuss... ### Looking for no credit check loans? If you are looking for things like "no credit check loans online instant approval", you likely have a bad credit score and are in need of money immediately.Credit scores are what lenders use to decide whether or not to lend you money. Poor credit scores happen when you don't pay your bills on time, don't make your loan payments and apply for too many loans.If you have a bad credit score, you can still get a loan, you just have to be careful about the type of loan you apply for. Beware of high-cost payday loan companies When you need money fast, payday lenders can be tempting. In most cases, payday lenders give you short-term loans at high-interest rates for small amounts to cover you until payday.Due to those high-interest rates, when your next paycheck arrives, you may struggle to pay back the loan. If you extend the loan, the interest rate may increase, making it even more difficult to repay the loan.In the long run, payday lenders can make your situation worse, so don't use them. There are better options out there. It's possible to get a loan even if you have bad credit Some people feel they need to hide their bad credit from potential lenders. Perhaps you're looking for "no credit check" lenders so they won't find out about your bad credit.Getting a loan with bad credit shouldn't be a problem, because there are reputable lenders who will lend to people. Avoid lenders who offer "no credit check" loans since they generally have high-interest rates and bad terms.You can get low-cost loans from Auckland Loans even if you have bad credit. Get in touch with us today to find out more. Keeping your expenses under control Having bad credit and needing a loan urgently means you're probably spending more than you're making. Maybe you've got other loans to pay off, while you're paying daily living costs that keep going up!It's hard to get out of debt, and you're not alone. You might consider a debt consolidation loan to help you get on top of your debts.Auckland Loans helps people manage their money by combining their debts into one easy loan. Fast loan approval It's no fun filling out long application forms when you need money fast. But with Auckland loans, our online application form only takes a few minutes.Let us know your details and we will contact you to discuss your options.The majority of Auckland Loans customers get approved within 1-2 hours, so you won't be stuck waiting. You don't need to apply to multiple lenders You can hurt your credit score by applying to lots of lenders.Auckland Loans does one credit check and then we present your application to multiple lenders on your behalf.We give you options and recommend what we think is the best deal. You're the one who makes the final decision, so you control your finances.Having Auckland Loans apply to multiple lenders on your behalf means you won't hurt your credit score by applying for a loan through us. Finding the right lender Choosing the wrong lender can make matters worse when you're in a debt cycle.It's important to find someone who can help you improve your finances long-term while also helping you meet your urgent financial needs.At Auckland Loans, we put our customers' financial well-being first by providing fair and affordable loans that help them take control of their finances. Talk to a consultant Talking to an Auckland Loans consultant is a great way to get your finances straightened out.Let our experienced and caring advisors help you find a solution that's right for you. You can talk to us for free, so get in touch today. Apply Now! Excerpt: If you are looking for things like "no credit check loans online instant approval", you likely have a bad credit score and are in need of money immediately... ### Outdoor Living Loans The really warm sunny weather is approaching fast, so maybe it is time for a bit of outdoor living. Perhaps you could get onto the larger, more expensive DIY jobs around the house but you might be lacking the money to do it. We understand, so if you want to create a bit of 'outdoor living' at your place, we'll give you a hand (financially that is). Outdoor Living Made Easy You could be thinking of any of the following: New deck BBQ and setting Spa pool Replace the fence Pave/concrete the driveway Kitchen/bathroom upgrade Man cave development New garage Create an extra room Pergola/awnings It all adds value to your property so enhancing the property is a good investment. With an Outdoor Living Loan from Auckland Loans, we'll see you right. Apply online in less than five minutes: Apply Now ### Same Day Loans Quick Cash Our same day loans are fast - apply online in just a few minutes. Sometimes we need some quick cash to sort out pressing matters.  Work out how you need with our calculators, then go to our application form. Apply today, paid in a few hours Click the Apply Now button to get started - takes around five minutes. If approved the funds could be in your account in just a few hours. Apply Now Quick Cash Loans Replacement car Dental work Bond/first few weeks rent loans Funeral expenses Loan for a family member or friend Small business cash injection Student loan catch-up Education fees Holiday loans Debt consolidation Wedding loans Vet bills Other emergencies etc We are a responsible and reliable lender who makes every aspect of your loan a transparent process so there are no surprises. There are no hidden fees and our quick cash loans have fixed interest rates so you will have certainty and peace of mind throughout the period of your loan and any subsequent loan. Excerpt: Quick Cash - Our same day loans are fast – apply online in just a few minutes. Sometimes we need some quick cash to sort out pressing matters. ### Vehicle Loans Car Financing A personal loan to get you into a new set of wheels is relatively easy with Auckland Loans. So has your car seen better days? Has the family outgrown what you've got at the moment?  Is it a first-time car purchase? Whatever the case let us help. Our straightforward online application takes less than five minutes - typically we can let you know if you are approved within hours. 5 reasons to choose Auckland Loans for your car loan 24 hour approval – apply online, or give us a call on 0800 323 130 Pre-approval – even if you haven’t found the right car yet, you’ll know how much you can borrow Great rates – we offer outstanding rates to people with a good credit rating, and may be able to assist those with poor credit 12-60 month finance terms available – we work within your budget Flexible repayments – weekly, fortnightly or monthly, whatever suits you! What next? Simply apply online and we'll do the rest. Apply Today ### Consumer laws Consumer laws Laws that protect you when buying from, or sharing your information with, businesses selling in New Zealand, including online retailers. It's always a good idea to know a little bit about the law, particularly when buying goods and services. ​​Consumer Guarantees Act ​Your consumer rights if there's a problem with a product or service you bought.​ ​​Credit Contracts and Consumer Finance Act ​This protects you when you borrow money or buy products or services on credit. Online safety laws and rules​​ E-signatures and electronic transactions, plus laws against spam and upsetting digital messages. Consumer Protection Laws Consumer information standards Notices giving consumers specific information, eg about used cars, water efficiency or country of... Motor Vehicle Disputes Tribunal annual reports ​Cases put to the ​​Motor Vehicle Disputes Tribunal each year from 2012 to the... ​​Fair Trading Act Your rights if a business acts in an unfair or misleading way, including sales tactics... ​​Privacy Act This makes sure your personal information is kept safe and secure. ​​Product safety ​Products sold in New Zealand must be safe to use. Report accidents, near-misses, or unsafe... ​​Other consumer laws and rules ​Other rules and laws that affect your consumer rights — Weights and Measures Act, Human... source   ### Weekend Finance 7 Days - 24 Hours Weekend finance - apply online anytime Our website is open on the weekends, in fact, it can take your personal loan application any time of the day, seven days a week. This weekend, if you're thinking about getting some finance in place for a big-ticket item, like a car or you'd like to consolidate your debt, simply complete our online application form here and we'll be in touch with you on Monday. Examples of the types of personal loans we provide: pet bills other emergencies weddings vehicle loans student loans home improvements property loans (mortgage financing) medical expenses holiday loans moving/relocating loans special occasions funeral expenses IRD tax debts paying back friends/family loans small business funding And of course our most popular loan type, debt consolidation loans - a must when you want one easy to manage payment each month. Whatever you need, we're here to help - apply online and let's see what we can do for you! Apply Today ### Faster Savings & Financial Goals Speed up your goals Getting a personal loan with Auckland Loans can help you accelerate your finances. Whether it is to pay off your credit and store cards, consolidate your debt into one easy to manage payment or buy a new set of wheels. Our loans make it simple and we offer some of the best personal loan rates in New Zealand. What's Involved? Firstly, you complete our application form online here - takes just under 5 minutes to complete. We touch base with you to see if there is anything else we need to complete your application. You get your loan - the money could be yours in 60 minutes, once your loan is completed (typically a few hours with bank to bank transfers). Yeah, it's really that simple. Get Started "Easy application and first-class customer service" - Mary, Auckland Get your rate and offer in minutes with no obligation to accept That's right, once you receive an offer put together by our team, there is no obligation to accept the loan. Every decision is in your hands. To get an Auckland Loans personal loan you'll need to meet our simple lending criteria, including: Be at least 18 years old. Receiving a regular income. Having enough money left over at the end of the month, after your expenses are paid, to meet your loan repayments. Being a New Zealand citizen, permanent resident or if you’re a non-resident, have more than one year left on your work visa. Credit, lending criteria, terms and conditions apply. ### Easy Loan Finance At Auckland Loans we try to make our loan application process for finance as easy as possible - which is a good reason why our customers love us! Seriously, our online application form can be completed in less than five minutes with most devices that can connect to the Internet. Easy Loan Finance Steps Work out how much you need. Then apply online here >>> We process the loan - we'll come back to you what anything else we need Funds are paid to your account Easy Loan Finance as easy as 1, 2, 3... 4. In the first instance when you complete the online application form, we gather some preliminary information from you, then if we need anything else one of our dedicated loan consultants will touch base with you. Most easy loan finance applications start to finish are paid out within 24 hours.  Our staff start early on business days to process loans received overnight. Yes, our site is open 24/7. For example, if you applied online at 11:32pm, that application would be in a first in, first-served queue - it would generally be processed just after 8:00am on the next business day.  If all in order, money could then be in your account two to three hours later depending on how your bank processes inwards deposits. So whatever you need your finance for, we're here to help. 24/7 Easy Loan Finance Vehicle finance Emergency loans Bond and moving house loans Funeral contributions Home improvements and DIY loans Money to help out a friend or family member Small business top-ups Education loans for courses Holiday time out loans Debt consolidation loans - Very Popular!!! Wedding finance etc Easy Loan Finance - APPLY Excerpt: At Auckland Loans we try to make our loan application process for finance as easy as possible – which is a good reason why our customers love us! ### Motorhome Finance Easy Motorhome Finance During New Zealand’s warmer months when the days and longer and the sun tends to shine a bit more, the lure of the open road means that many people look to buy a caravan or motorhome. And of course, if your friends got one but you haven’t – you’d like to follow them around and visit all the cool places they do, but you’ve got to stay at home? Why not get some Motorhome Finance through us – find the vehicle you want, work out how much you need and apply online – it’s that easy. Our motorhome finance  and caravan loans have terms up to 5 years to cater for many different financial positions and circumstances – here are just some examples of how our motorhome and caravan finance can help get you a holiday home on wheels fast: The motorhome/caravan you want to buy needs to be purchased now, but you won’t have the money for another 3, 6, or even 12 months (e.g. perhaps you need to put your home on the market) Not enough in the kity and need a top-up to make it work? You own a home with equity to borrow against but wish to save this. Or, you have saved a small deposit and need to borrow the majority of the purchase. Other reasons to acquire a motorhome could be: An additional room – moving the teenager out of home, but not too far away. Mobile site office for your business? We’ve got flexible motorhome and caravan finance options, great rates, and a helpful team of finance consultants ready to discuss your needs. Our dedicated team will make sure all your questions are answered, so you’ll understand every aspect of your finance contract. They’ll also remove the stress from the loan approval process, right through to signing documentation and settlement, so you can get on with things that matter. We compare all the options, so you don’t have to with a range of lenders we use. For a no-obligation discussion about your requirements, contact us today on 0800 323 130 and have a chat with one of our friendly team. Apply Now Auckland Loans – for your home on wheels? Apply online in less than five minutes, it’ seriously that easy! Get your money, in many cases, the same day so if you apply on a business day morning 🙂 Fixed interest rates for the term of your loan and no hidden surprises… Affordable repayments in line with your earnings. All you have to do is decide how much you need (use our calculators) and apply online. ### Weekend Loans Weekend Loans & Finance Our office is closed over the weekend, but our web-site is still open - in fact it's open 24/7. If you apply for a personal loan this weekend, we'll be in touch with you first thing on Monday. Work out how much you need and apply online - it's that easy. Apply Today Personal loans for anything Debt consolidation loans (our specialty) New car, motorcycle, scooter – or other transport Holiday, honeymoon or wedding coming up Emergency loan, dental/vet bills Home Improvements and DIY jobs around the home Education loans for better employment opportunities Moving house loans, movers and bond loan Funeral expenses, when you need to contribute None of our business finance… Our online loan application seriously takes less than five minutes. Quick Questions How much will the interest rate be? That all depends on your overall circumstances if you’ve got good credit your rate will be lower than someone with good credit for example. Is this fully online? The online application process is, but of course, a human does get involved at our end, call us old-fashioned. You’ll be assigned your very own consultant who will go through your loan application with you and obtain your ID and other information. You can also email your last two months bank statements if you have them, alternatively, we can send you a link to download and send your statements directly to us. Who will see my application? We treat your application confidentially and the only people who will see your application are Auckland Loans (Loansmart Limited) and any Finance Company that we send it to. All applications that do not proceed are securely destroyed. ### Refinance Need to refinance your debt? When many people think of the word refinance, it’s typically thought it’s for mortgages. Sure, we can refinance your mortgage, but our core business is helping people just like you to refinance debt. That’s right, take all your debt: car payments, credit card balances, charge cards and wrap them up into one payment that is aligned to your pay cycle. Take the stress away in just a few minutes – yes, our application form takes less than five minutes. In fact most of our loans are completed and paid out the same business day. No queues, no appointments – simply apply online now, anytime, 24/7. Click the Apply Now button to get started - If approved the funds could be in your account in just a few hours. Apply Now Eligibility 18 years or over NZ resident (citizen/permanent residency) Be earning, employment or self employed How to Apply for a Refinance Personal Loan Check your eligibility above and complete our online application Provide any required documents such as payslips and identification following your application (we’ll be in touch) Accept the contract provided Typically within 24 hours of your contract acceptance, funds will be in your account Quick Questions How much will the interest rate be to refinance my debt? That all depends on your overall circumstances, if you’ve got good credit your rate will be lower than someone with good credit for example. Is this fully online? The online application process is, but of course a human does get involved at our end, call us old-fashioned. You’ll be assigned your very own consultant who will go through your loan application with you and obtain your ID and other information. You can also email your last two months bank statements if you have them, alternatively we can send you a link to download and send your statements directly to us. Who will see my application? We treat your application confidentially and the only people who will see your application are our team and any Finance Company that we send it to. All applications that do not proceed are securely destroyed. Excerpt: When many people think of the word refinance, it’s typically thought it’s for mortgages. Sure, we can refinance your mortgage, but our core business is helping people just like you to refinance debt. ### Emergency Pet Care Vet Bills - Urgent Veterinary care includes regular check-ups and preventative care, but it also includes emergency vet costs. If you’re facing a big vet bill that you can’t afford to pay, we can help – our loan application process is quick and typically we can provide the funds within 24 hours – apply online now in less than five minutes. Faced with a big vet bill? Our emergency vet bills loans can help... At Auckland Loans, we know how stressful it is when your darling pet needs emergency care.  Often, of course, we don't have the funds tucked away to pay for the much-needed treatment our pet needs and deserves. If you don't have pet insurance, vet bills can be very costly - whether they're for emergency visits or important procedures that can't be put off any longer. Fortunately, our Emergency Pet Care Loans for Vet Bills are tailored for the unexpected.  With flexible repayment options and a fast loan approval process, your friend can get the health care he or she needs. Here's how we can help: Nationwide service Fast approval loan application process No deposit with six to 60-month payback terms Your choice of payment options in line with your pay cycle Affordable rates starting at 13.95% pa Low application fees Get assistance today for your veterinary costs Auckland Loans can approve loans for any amount and because of our simple (less than five minutes) online application process, you'll be able to concentrate on your pet's needs. Talk to us today and we’ll find the right emergency finance solution tailored to you. Click the Apply Now button to get started - If approved the funds could be in your account in just a few hours. Apply Now Excerpt: Veterinary care includes regular check-ups and preventative care, but it also includes emergency vet costs. If you’re facing a big vet bill that you can’t afford to pay, we can help... ### Home Improvement Loans Home Improvement Loans So the house roof needs replacing or the deck you promised hasn’t panned out as yet? Perhaps the carpets need an upgrade? There are hundreds of things to do around the home and it can be expensive. Talk to us about our home improvement loans – following receipt of your application, we can normally approve your loan within hours. The money could be in your account overnight, so you’ll be able to get that project underway immediately. Apply online in less than five minutes. Apply Now An Auckland Loans, Home Improvement Loan is tailored to homeowners who want to add value to their existing surroundings.  It might be you doing some DIY or you’ve got some Tradies in mind for some big work.  Whatever the case may be, let us help you get it done. Our home improvement and renovation loans do not necessarily require you to refinance or break your mortgage and is a totally separate loan from your first mortgage. We have many options available depending on your personal circumstances. With property finance, it pays to look at the big picture and find the right solution for you. If refinancing your mortgage is the best option for you, rest assured we will be able to assist with this also. Excerpt: So the house roof needs replacing or the deck you promised hasn’t panned out as yet? Perhaps the carpets need an upgrade? ### Medical Expenses Medical Expenses Finance We understand that not everyone has medical insurance and that not everything is covered.  And whilst our health system is one of the best in the world, it isn't there for a lot of procedures or there is a long wait. Some elective procedures can have a tremendous and positive impact on your life, so if it can't wait, we can help. So that's why we offer medical expenses loans and finance for most medical procedures and related costs. Types of medical procedures and treatments we can finance are: General surgical procedures Specialist fees Cosmetic surgery Gastric bypass surgery Dentistry and braces Laser eye treatments IVF costs etc Apply online today in just a few minutes and soon you'll be able to make that appointment. APPLY HERE Quick Questions How much will the interest rate be? That all depends on your overall circumstances if you’ve got good credit your rate will be lower than someone with good credit for example. Is this fully online? The online application process is, but of course, a human does get involved at our end, call us old-fashioned. You’ll be assigned your very own consultant who will go through your loan application with you and obtain your ID and other information. You can also email your last two months bank statements if you have them, alternatively, we can send you a link to download and send your statements directly to us. Who will see my application? We treat your application confidentially and the only people who will see your application are Auckland Loans (Loansmart Limited) and any Finance Company that we send it to. All applications that do not proceed are securely destroyed. ### Pre-Approved Finance Why organise prior? Pre-approved finance gives you the benefits of being a cash buyer for which there is no better bargaining power. Having the cash ready, particularly when buying a car can literally save you hundreds of dollars - think about it, a car dealer doesn't want to watch you walk over to another car yard with a pocket full of money. And the same can be said for other big-ticket items. Most stores including the bigger chain stores can discount on the spot quite heavily for a cash buyer - all you've got to do is ask when you have cash at hand. Our pre-approved finance application form takes less than five minutes. In fact, the majority of our loans are completed and paid out on the same business day.  If you want that item now, you can have it so. No queues, no appointments - simply apply online now, anytime, 24/7. APPLY HERE TODAY! Pre-Approved Finance - How to Apply Check your eligibility above and complete our online application Provide any required documents such as payslips and identification following your application (we'll be in touch) Accept the contract provided Typically within 24 hours of your contract acceptance, funds will be in your account Eligibility 18 years or over NZ resident (citizen/permanent residency) Be earning, employment or self-employed Quick Questions How much will the interest rate be? That all depends on your overall circumstances if you've got good credit your rate will be lower than someone with good credit for example. Is this fully online? The online application process is, but of course, a human does get involved at our end, call us old-fashioned. You'll be assigned your very own consultant who will go through your loan application with you and obtain your ID and other information. You can also email your last two months bank statements if you have them, alternatively, we can send you a link to download and send your statements directly to us. Who will see my application? We treat your application confidentially and the only people who will see your application are Auckland Loans (Loansmart Limited) and any Finance Company that we send it to. All applications that do not proceed are securely destroyed. Excerpt: Pre-approved finance gives you the benefits of being a cash buyer for which there is no better bargaining power. Having the cash ready, particularly when buying a car can literally save you hundreds of dollars ### Fast and Efficient Personal Loans Friendly, Fast and Efficient Our online application form usually takes between 3 to 5 minutes to complete We respond instantly on a business day, letting you know if we can help you From there we assign a lender to work with you to produce an offer with a complete picture of your loan - all obligation free If you accept it, you could have the money in your account within hours When it comes to personal loans, we tailor your loan rate specifically to you by looking at your personal information, credit history and how much you want to borrow. A few minutes is all you need to complete the loan application. One of our loan consultants will be in touch once we have received your application. If at any point you need assistance, don't hesitate to give us a ring on 0800 323 130. Grab a personal loan for: a vehicle purchase (car loans our specialty) holiday loans debt consolidation dental loans – smile 🙂 vet bills home renovations home mortgages car repairs etc APPLY HERE Payments the Easy Way Flexible loan repayments on your terms - when you take out a personal loan with Auckland Loans you can pay it back in a way that best suits your financial situation and budget. Choose from weekly, fortnightly or monthly repayments over a period of six months to five years. Unsecured personal loans If you qualify for an unsecured loan with us, you do not need to provide any collateral or security for a loan. Typically, this means that the amount you can borrow is less and the interest rate charged is slighter higher than a secured loan. Secured personal loans A secured loan is where you provide security for the loan, like a vehicle. Doing this helps you to borrow a larger amount and reduce the interest rate. Our current interest rates range from 13.95% APR (Annual Percentage Rate) to a maximum APR (Annual Percentage Rate) of 29.95%. The rate offered will depend upon your credit history, security offered and your overall credit profile, all rates are fixed for the term of the agreement. A typical example of a $3,000 loan through Auckland Loans would be as follows: Loan Amount $3,000 Establishment Fee $295 Weekly Admin Fee $3.46 Payments over 24 months @ 13.95%, $39 per week Total cost payable over 24 Months $4154.88 ### Loans Loans Loans All we do is LOANS! Our personal loan options are available for any financial purpose you need. Personal loans from Auckland Loans is finance borrowed that is paid back in line with the frequency of your pay period, which can be weekly, fortnightly or monthly, over a maximum five-year loan term at an interest rate that is fixed for the term of the loan.  All of our loans are specifically tailored to each applicant. (The interest rate that applies to your loan will be based on a variety of factors including your current circumstances, credit history, any security you can provide etc). Apply online in under five minutes, it’s seriously that easy! Get your money, in most cases, the same day if you apply on a business day morning 🙂 Fixed interest rates for the term of your loan – there are no hidden surprises. Affordable repayments that are in line with your earnings. All you have to do is decide how much you need (use our calculators) and apply online. Personal loans for anything Emergency loan, dental/vet bills Education loans for a course Holiday, honeymoon or wedding coming up Moving house loans, movers and bond loan Funeral costs, when you need to contribute Need a new vehicle to get from A to B Consolidate your debt into one easy payment Home Improvements and DIY jobs around the home None of our business loan… I Can Borrow How Much? Your interest rate depends on the amount borrowed, your personal circumstances and credit history. The interest rate and repayment amount remain the same for the life of the loan. And you can choose a repayment plan that suits you best, with flexible monthly, weekly or fortnightly payment options available – great for varying pay cycles and existing arrangements. At Auckland Loans, we understand the many challenges life can throw your way, so that’s why we’ve worked hard to create a suite of solutions that can help out. With several online calculators available, we’ve made choosing personal loans an easy experience. Whatever you need simply apply online. Apply Today Customer Satisfaction Guaranteed We pride ourselves on our customer service.  When you become our client you're assigned your own lending consultant who is always there for you throughout the relationship you have with our company. So let us know how we can help you today! ### Holiday Travel Loans Travel Loans These Holidays Is it time to visit relatives you haven't seen in a while? Get ready to book flights as we can finance those for you.  In fact, it could be just for you or the entire family. Our Holiday Travel Loans are tailored to your individual circumstances. All you have to do is complete our application form online (takes less than 5 minutes). Apply Now Holiday Expenses Covered Flights Accommodation Rental car Travel insurance Gifts etc Applications received processed within hours on business days.  Funds paid out the same day. Auckland Loans trusted by thousands of Kiwi's every year! 24/7 Easy Loan Finance Car Loans Emergency loans Bond and moving house loans Funeral contributions Home improvements and DIY loans Money to help out a friend or family member Small business top-ups Education loans for courses Holiday time out loans Debt consolidation loans – Very Popular!!! Wedding finance etc Excerpt: Is it time to visit relatives you haven't seen in a while? Get ready to book flights as we can finance those for you.  ### 6 Key Categories Missing from your Budget Let's Get Started Building a budget is an involved process and it’s easy to forget a few dollars here and there even if you’ve done it dozens of times before. But there are some categories that seem to pass even the most capable of Kiwis by, and there’s nothing worse than discovering there’s a gap in your otherwise perfect spending plan. Here are a few that are important to remember but easy to forget: 1) Play Money Let’s face it: budgets aren’t fun. We don’t make them because we want to, we make them because we have to. If you want to be financially stable, a budget is a must, but that doesn’t make “sorry, we can’t afford that right now” any more fun to say. But there are ways to make budgets more bearable, a key one being the often-forgotten ‘discretionary spending’. This is the money that you can spend on anything you want. It’s not set aside for one thing in particular, meaning you can use it for those guilty pleasures like a bar of chocolate after the weekly shop, or a movie ticket for a surprise outing. It’s like an emergency fund, but this is the cash you set aside ‘just because’ rather than ‘just in case’. Unfortunately, people often don’t include discretionary spending and they end up being far too inflexible with their budget. They often give up on the budget altogether after a while because they try to give up too much. Unless you are in truly difficult circumstances, always put aside a little bit for your discretionary. 2) Medical In New Zealand, we’re lucky to have free public healthcare. This doesn’t cover doctor’s visits or dental care though so you should still set aside some cash for the unexpected. It’s a good idea to have a specific fund set aside for medical emergencies, which you add to each paycheck. This will ensure you don’t break the budget as well as a tooth or a bone! 3) Funerals It’s hard when family or friends pass away. Don’t add money worries to the burden as well. Much like medical problems, funerals are usually quite sudden and they must be handled almost immediately - they can’t be put off and ‘saved up’ for. This doesn't mean putting aside a specific amount each paycheck into a 'funeral fund'. Instead, it’s important to ensure that any possible travel, accommodation and day-to-day expenses for attending a funeral are covered in your regular emergency fund. If you’re likely to be responsible for paying for the funeral yourself, you should aim to put aside $8,000 to $10,000, according to the Citizens Advice Bureau. You should also keep the $2,000 funeral grant available to low-income families in mind. 4) Retirement KiwiSaver is a popular way to save for retirement, but is it going to be enough? The Westpac - Massey Financial Education Centre estimates you’ll need hundreds of thousands of dollars to retire comfortably - and that’s assuming superannuation will still be at the same levels today by the time you retire. That’s why many financial experts encourage Kiwis to take control of their own retirement by budgeting some of your savings towards it in addition to regular KiwiSaver contributions. And the sooner you start, the faster your nest-egg will grow. For long-term savings, you may also want to look into investments like term deposits, shares or property rather than just a regular savings account. Your KiwiSaver provider will likely be doing some of this on your behalf, but if you want more control, investigate your options. Sorted.org.nz has an excellent breakdown of what you need to know. 5) Household Maintenance If you’re a homeowner, you’ve already sunk a significant chunk of change into your home. Don’t let it go to waste because of poor home maintenance! A recent BRANZ survey reveals that about 1/3rd of owner-occupied homes will need serious attention in the next two years. Start saving now if you don’t want to be shocked when the roof needs to be replaced or your home needs to be restumped. If you’re renting, good news! The most serious of the house maintenance issues are the responsibility of your landlord. However, you should still set some money aside for those parts of the home that you are responsible for. The specifics may fluctuate depending on your agreement with your landlord, but they are unlikely to be as expensive as a homeowner’s. 6) School Supplies When you’ve got a stable monthly budget, it’s easy to forget the one-off expenses like school supplies. Uniforms, books and stationery costs can make a significant dent in your funds which could leave you dry for the other essentials. This is why many people choose to have a yearly budget as well as a monthly or weekly one. This lets them consider these occasional costs into their overall financial plan so they don’t get shocked when it’s time for the kids to get back to school. Excerpt: Building a budget is an involved process and it’s easy to forget a few dollars here and there even if you’ve done it dozens of times before. ### Higher Education Loans Higher Education Pays There are a lot of good reasons why getting some higher education pays off. Earning a degree or completing a course is an important step for many people. We can finance your higher education courses - apply online Gaining higher education can open many opportunities in life. It prepares you, both intellectually and socially, for your career and furthers your adult life. The benefits of higher education include career opportunities like better paying and higher-skilled jobs, but studies have shown that it also leads to overall happiness and stability. Many people know that they want to achieve more through education, but don’t know exactly why, or how it will enrich their lives. Below are some of the many benefits of getting some higher education. 1. Make a Lot More Money For most people, the ability to earn more money is the driving force behind furthering their education. 2. Benefits for You and Your Family Obviously, higher income is a primary benefit for furthering your education.  But there are other benefits with better-paying jobs such as health care, retirement investment, travel, and other perks. These types of benefits are rarely offered for high-school-level jobs. Part of the reason employment benefits is so important is because they offer stability for your family, especially in the case of health care. They are called benefits, but in reality, they are a vital part of anyone’s salary. In some cases, the value of benefits even exceeds an employee’s take-home pay. 3. Better Advancing Career Opportunities Gaining higher education is the most common pathway to a better career. Most of us know we want to have a better job-not only one that will pay more, but one in which we’re more satisfied and which is secure. That combination of benefits is why so many people make the investment of time and money in doing courses, attending polytechnic or gaining a degree. It’s not necessarily what you study either, but the fact that you studied something at all. Aside from training you in an expert field, higher education trains you to think analytically, understand complex subjects and communicate your own critical ideas about them. It also instills crucial skills like organisation, self-discipline and the ability to complete tasks from start to finish. In other words, improving your overall skills helps develop you into a more professional individual. 4. Job Security and Satisfaction Being one who has invested in higher education also ensures you have better job security.  The people who suffer the most from job cuts and downsizing are lower level employees who only have high school diplomas. There are no guarantees, but if you have a college degree or other recognised education merits under your belt, you will be less likely to be laid off and suffer long-term unemployment. It is also more likely that you will enjoy your job. All the factors listed above with higher income, employment benefits, and advancement opportunities-lead to better job satisfaction. Selecting paths that interest you and studying in those fields also gives you more freedom to pursue a career that interests you, maybe even inspires you. 5. An Investment in Your Future Attending a higher education facility is a major commitment of time and money, but it is also a down payment for success. Earning your diploma or degree will help you realise your goals in your career as well as life in general. It requires a lot of hard work, but that work prepares you for a challenging and rewarding career and more fruitful life. 6. Networking It’s quite easy to think of the benefits of higher education in terms of future earnings and promotion opportunities. However, what’s spoken of less frequently is the role that networking can play in these opportunities. People often get jobs based on recommendations made by my friends, while in other cases, having a professional network can help people learn about upcoming job opportunities before others do. The truth is that creating a professional network can mean the difference between finding a job or getting a promotion, and those networks start forming in places where like-minded individuals meet and study. 7. Higher Likeliness of High-Quality Benefits As the economy improves, companies find it harder and harder to attract top talent. The reason why is that, as the economy improves, businesses need to hire more. That puts better-qualified employees in higher demand. In turn, these employees are more easily to say no to one company in favour of another, i.e. you have more choices. Whichever educational path students or adults returning to higher education choose to pursue, one thing is clear, they must be better prepared to face an increasingly competitive job market and turn their college education into a winning proposition. If you need to open the door to new opportunities by way of gaining some further education and need a little help with the course and tuition fees, apply online for a Higher Education Loan today. Apply Today Excerpt: Higher Education Pays - There are a lot of good reasons why getting some higher education pays off. Earning a degree or completing a course is an important step for many people. ### Auckland Car Loans Car Loans in Auckland Try one of our car loans, we love helping our clients drive away in a car that suits their budget and needs. Put a smile on your face - get your finance sorted before you go car hunting, you’ll be in a better bargaining position with cash ready. Doesn't matter where you live in New Zealand, finance your new vehicle with Auckland Loans for flexible repayment and loan terms, fast processing of applications and competitive rates. Apply online in less than five minutes: Apply Now Why Auckland Car Loans? Easy Apply online or talk to someone over the phone on 0800 323 130. Quick Fast processing times with lending decisions typically within one working hour. Yes You’re in control with flexible terms and conditionally approved finance before you buy. Secure We’re a trusted brand in the marketplace that's been providing car loans to Kiwi's for over 10 years. 24/7 Easy Loan Finance Car Loans Emergency loans Bond and moving house loans Funeral contributions Home improvements and DIY loans Money to help out a friend or family member Small business top-ups Education loans for courses Holiday time out loans Debt consolidation loans - Very Popular!!! Wedding finance etc Excerpt: Try one of our car loans, we love helping our clients drive away in a car that suits their budget and needs. Put a smile on your face – get your finance sorted before you go car hunting... ### Tips for buying a used car Inspection tips Take your time and carefully examine everything you want to look at – not just what the seller shows you. Inspect the car on a dry sunny day if possible – it's easier to see the visual clues to the car's real condition. See our The older and cheaper the car, the more likely there will be something wrong, particularly once it's done more than 100,000km. Be especially wary of engine wear and rust. Know what you can fix and the cost of having the work done. Take these inspection aids: a checklist (below) of things to look for a magnet to check for hidden rust repairs a torch to look under the bonnet a friend – preferably someone with a bit of car knowledge. Check the paperwork Check that the car has a current warrant of fitness – vehicles for sale must have a warrant of fitness less than one-month-old. However, you may buy the car 'as is where is'. Under this option, you'll need to give the seller a written promise that you'll only drive the car to get a warrant. You may have to pay for repairs to bring the car up to warrant standard. Ask the seller for any service or repair history. If you’re buying privately, make sure you let us know straight away. Get a professional inspection Always insist on having a full professional inspection before buying any used car. Most garages will perform these inspections. There are also specialist pre-purchase inspection services. After the inspection, both you and the seller will receive a report detailing any repairs needed. Recalls Check whether your vehicle is subject to a safety-related recall or a Takata Alpha airbag recall. The safety checklist Check the exterior Rust Most older vehicles have some rust. Whether it's a problem depends on how much and where it is. Look for signs of rust on the main structural supports (structural corrosion). This is dangerous. A vehicle with rust could possibly fail a warrant of fitness inspection and repairs will be costly. Rust on the car body can also be a problem. Look for bubbling paintwork. It's possible that the use of a filler may be masking the problem. In some cases you can tell if this is the case by running a magnet over the car - it won't stick to the filler. However, the magnet test won't work if the filler contains iron dust. Also, look for rust: on weight-bearing parts and steering wheel mountings under carpets, the bootliner and in the spare tyre area inside the petrol cap door. Paint A recent paint job could be an attempt to mask a problem. First, try the magnet test (see rust above). Also, look closely for: a rippled finish – this could indicate bodywork underneath different shades of colour in different parts – check for overspray or different shades under the wheel arches and on the rubber strips around the windows. Shock absorbers To test for worn shock absorbers: Stand at a corner of the car, push it up and down to get a rhythmic motion. Then stop. If the car doesn't stop immediately, the shocks are worn. Can't get any movement at all? The shocks definitely need replacing. Repeat this test on all four corners. Next, stand back to view the entire car. Does it sag to either side? To the front or back? Any sagging may result from defective springs or shock absorbers. Tyres Check all the tyres, including the spare. Legally, treads must be at least 1.5mm deep across 3/4 of the tread pattern around the entire tyre. However, if there are tread depth indicators the tread depth must be at least 1.5 mm in these areas. Look for: indications of tread wear on the tread wear indicator (on most tyres) in the tyre's centre groove – this shows up at 1.6mm. If you can see it, the tyre most likely needs replacing uneven tyre wear – this may indicate a steering, suspension or alignment problem. Turn the steering wheel to full lock one way then the other and check the inside of each front tyre. Panels Open and shut all the doors, the bonnet and the boot, making sure they are aligned properly and move smoothly. Also check that the windows open and shut easily and that they will stay open halfway. Exhaust An exhaust leak is dangerous – exhaust fumes getting inside your car could cause you to pass out from carbon monoxide poisoning. To check for leaks in the muffler and exhaust system: look for soft areas, brittle areas or areas where putty is used protecting your hand with a rag, temporarily block the end of the exhaust pipe while the engine is running. The build-up of pressure should blow your hand away from the pipe. No real pressure? The system has a leak that needs repair. Check the inside Dashboard Things to check: Push, pull or twist all dashboard switches and knobs to check they work. Have someone outside the car check that all lights and indicators work, including the brake lights. Try the wipers, the radio, the levers for opening the boot and bonnet. Can you adjust the mirrors? Also, check for old or loose wiring under the dashboard. Seats and safety belts Things to check: The driver's seat is comfortable and you can adjust it to fit you. Look for possible damage under seat covers, if fitted. All seats are properly secured to the floor. All seats have safety belts. The safety belts' buckle and retractor mechanisms work. All belts lock up tightly when suddenly pulled. The webbing is not frayed or faded - this can indicate UV damage which weakens the belt. The belt may need replacing. Leaks Leaks can indicate wear (especially from rust) and poor care. They can be difficult and expensive to fix. Look for dampness or water stains on seats and carpets. If possible, lift up the carpets and check underneath, including in the boot area. Check under the bonnet Engine A dirty engine can point to vehicle neglect. But a sparkling clean engine may be the result of a recent steam clean undertaken to mask defects. Look for: frayed or burnt wiring, oil streaks and poorly attached or damaged hoses petrol leaks around the carburettor and fuel lines (check carefully) black soupy oil – can indicate a worn-out engine oil leaks or other drips under the car. With the engine going: take off the oil filler cap – if large amounts of gas come out (especially with a blue smoky tinge) the engine is badly worn (don't forget to replace the cap) let the engine idle for a few minutes and have a friend watch the exhaust for blue smoke when you push the accelerator. While a single puff is okay, continuous blue smoke means a badly worn engine. (This test only works on petrol-fuelled cars.) Radiator Look for: leaks, rust or water stains leaks in the radiator hose and where the cylinder head meets the engine block. When the engine is cool, remove the cap to check the water: A little rust colour is okay. A green or blue tint – from coolant or engine conditioner – is okay too. Any oil in the water indicates a major problem. Perfectly clear water won't tell you much – it's probably just been changed. Don't forget to replace the cap. Take a test drive Before you get in the car Check that the car is insured. You may be liable for damages if you drive an uninsured vehicle. Pre-drive checks Once you're in the car, switch on the ignition, but don't start the engine. Check that: warning lights go on. If they don't, there may be a fault the oil and coolant level lights go off after a few seconds the handbrake light goes off when the brake is released. Any anti-lock braking system (ABS) or airbags lights (SRS) will have their own testing sequence. Check the vehicle's manual to see what this should be. Watch for any lights that stay on – especially those for brakes or coolant level. Start the engine, with the engine cold if possible. Check that: the starter motor turns over quickly and the motor 'catches' quickly there are no odd noises like backfires or a rattling exhaust the oil pressure light goes off after the car has been running for a few seconds there's no blue smoke coming from the exhaust. Driving tests While you drive, listen for any odd noises that could indicate problems: clanging or clunking noises when starting and stopping could mean problems with engine mountings, exhaust, suspension, transmission or the driveshaft tapping or knocking noises could be from a failing rod bearing, piston or piston pin grinding or whining can mean worn gears or bearings – these are expensive repairs squealing noises when you brake may mean new brake pads or linings are needed. Carpark tests Using an empty carpark, drive at low speed on full steering lock in each direction. Rhythmic clunks from the front of the vehicle may indicate the drive shaft joints are badly worn and need replacing. Be aware of any smells: A burning oil smell may indicate that the engine is worn. Petrol fumes may signal an exhaust leak. Leaks can lead to carbon monoxide getting inside the car and you could potentially pass out behind the wheel. Test out the vehicle's acceleration: When you put your foot down, does the engine pull smoothly, without any stalls or power loss? When you take your foot off does the engine power down smoothly? Hill tests Find a hilly road that is safe for a test drive. How does the car drive up hill? This is a good time to check for blue exhaust smoke (from burning oil). Go down the hill, foot off the accelerator. At the bottom push the accelerator. If the engine is old it may take a while to accelerate and you may see a big puff of smoke from the exhaust. Test out the vehicle's brakes. Do they: respond quickly to a touch of the pedal? stop the vehicle in a straight line, without pulling to either side? Brake and gear tests Find a quiet stretch of road and try an emergency stop, from about 30km/h. Put on the brakes firmly, but don't slam them. The car should slow down quickly and in a straight line (if the car starts to veer to one side, release the brakes and correct the steering). Test out the vehicle's gears: Can you change the gears easily and smoothly? Try changing down quickly a few times - is there a crunching noise? The gearbox may need work. If the car's automatic, do the gears change smoothly? Unexpected changes or bumping noises aren't good. Is the transmission oil clear red? A burnt smell indicates problems. Final tests Stop the car, and leave the engine running. Check under the bonnet for: smoke oil or water leaks problems with the cooling or electrical systems. Tips for buying a used car Car Loans For well over 10 years we’ve been helping New Zealanders do more. Our team of car finance experts can guide you through the process step by step. There is plenty of choice - on Trade Me at any one time there are hundreds of vehicles for sale.  Arm yourself with some cash to bargain for the right price.  At the same time our car loans can also provide enough for a new set of tyres and other extras you may need. Want to get started now? Apply online today and well be in touch to talk about what you need. The first step... a few minutes is all you need to complete the loan application. One of our loan consultants will be in touch once we have received your application. If at any point you need assistance, don't hesitate to give us a ring on 0800 323 130. APPLY HERE ### Tidy up your Credit Score Collection Agencies - Defaults Collection agency debts: If collectors are breathing down your neck, satisfy those bad debts (defaults) with a personal loan. Not only will the calls cease, but your credit rating may start to improve straight away, and by making regular, on-time payments to your loan you'll get a better credit score. Experiencing some bad debts in life is just that, it happens, and cleaning it up is not necessarily as hard as you think. We understand that everybody's situation is different, so we don't judge, we'll simply look at your overall circumstances and see what's possible to help you out. To get started, our online loans application form can be completed in less than five minutes.  Give it a go today. APPLY HERE Tidy up your Credit Score A personal loan with Auckland Loans will get you well on your way to a better credit score. special occasions paying back friends/family loans home improvements holiday loans property loans (mortgage financing) dental and medical expenses vet bills and other emergencies weddings vehicle loans student loans moving/relocating loans funeral expenses IRD tax debts small business funding and more... Excerpt: Collection agency debts: If collectors are breathing down your neck, satisfy those bad debts (defaults) with a personal loan. ### Bond & Moving Loans Moving - Need some Cash? Are you moving house or flat and need some extra cash to make the move easier? When you’re moving houses there’s a number of different expenses that have to be accounted for. So finding the money for the bond is always a big ask. Your old bond typically can’t be transferred straight away, so you need the money to get you through until it is released. All up, moving house can be quite an expensive exercise, so that's where our Bond & Moving Loans come in, and they are easy to apply for online. Use the money to pay for: Moving truck or van Bond Rent in advance New appliances Rugs, door stoppers, heaters and the like etc Apply Today Moving House Loans Checklist Use our moving house checklist to prepare for your upcoming move and assist with a hassle-free moving experience. Have You Discontinued or Redirected These Services? Newspaper delivery Telephone/Internet lines Sky/Pay TV Gas and electricity Water (rural supply) Notify Your Change of Address Post office for redirection of mail Your bank (to transfer your account) The electoral registrar Hire purchase company Your insurance company to transfer your household insurance/motor vehicles Your life insurance company Your health insurance company To obtain your children's school records Local council for rates Stores – where you have charge accounts Relatives, friends and regular correspondents Club Memberships Publications to which you subscribe Has your doctor or dentist recommended someone in the location to which you are moving Your solicitors/accountants Your church Credit card companies Airline frequent flyer programmes Cleaners and gardeners In Preparation for Move Day Ensure your move is confirmed with the moving company as soon as your dates are known Complete any transit insurance proposal and return it to the mover or insurance broker Spring clean – discard the things you no longer want, clean out expired medicines Dispose of flammables or leave for new owners (i.e. paints, turps, kerosene, petrol) Arrange childcare for day(s) of moving (if applicable) Dismantle fragile kit-set furniture Have BBQ/heater gas bottles professionally purged Arrange for a specialist to disconnect plasma TVs Keep Important Documents Together & With You Travel Documents, i.e. airline tickets Passport and visa/frequent flyer cards Vaccination records for pets Medical and travel insurance Driver's licence Paperwork relating to your household goods removal Extra set of keys for the car Jewellery Sunglasses Plan to be available on move day or have an authorised person available Do You Need To ... Have your car serviced? Collect dry cleaning? Return school or library books? Empty golf club lockers? The Day Before Defrost freezers Empty rubbish bins Drain most fuel from mowers/petrol weed-eaters Thoroughly clean garden tools, mowers, golf clubs, outdoor furniture and bikes for quarantine inspections if moving overseas Empty vacuum cleaners (export shipments only) Identify items not to be packed and place in one area Ensure washing machine taps are turned off Identify the items for your "Priority Cartons" – those items you want first on delivery/or the items for temporary use if going via storage Arrange a simple breakfast for move day and empty the dishwasher! Water plants being moved (for nationwide moves only) ### Tiny House Finance Want to live in a Tiny House Why not, it's all the rage... Tiny House living is a reality for many Kiwi's today and there are numerous building companies providing quality Tiny House options out there. So if you have somewhere to put one, we can finance it for you. Tiny house Cabins House on wheels Container homes Granny flats Garages Studios Office. Advantages of Tiny Houses Lower Expenses. A tiny house costs a lot less to build than a full-sized one Smaller Loan/Mortgage Lower Energy Use Freedom of Movement Easier Maintenance Harmony With Nature A Simpler Life. – Tiny homes don’t just cost less upfront – they’re also much cheaper to maintain. Bills for electricity, fuel, water, and waste disposal are all much lower. – A tiny home doesn’t have to be a traditional place to live. Some customize their tiny home as an office or to have a nice little place ready for when friends or relatives come to visit. – Since your Tiny House is going to be small, you can make a lot of it out of recycled, re-purposed, and salvaged materials. In addition, to make your house look cool and unique, it also saves the number of new materials from being made. – One of the biggest benefits of having a tiny home is having less space meaning there is less to clean. A traditional home can be very time consuming to clean and cost more than having a tiny house. – You won’t need much in the way of decorating for tiny homes, so it’s going to cost a lot less to decorate and customize, it’s also going to be a lot easier and cheaper to customise your tiny house. Talk to us today and we’ll find the right finance package so you can venture out with a tiny home of your own. Click the Apply Now button to get started – If approved the funds could be in your account in just a few hours. Apply Now Excerpt: Want to live in a Tiny House? Why not, it's all the rage... Tiny House living is a reality for many Kiwi's today and there are numerous building companies providing quality Tiny House options out there. ### Loans to suit your needs and budget How're Your Finances? Things a bit gloomy at the moment on the finance front? Do you need a personal loan for a reliable set of wheels to get to work?  Perhaps you need a holiday? Visit some family over the ditch? Maybe you need to consolidate all your debts into one easy to manage personal loan? That's a lot of question marks, but that is a reality for a lot of people out there.  So if one of the above describes you at the moment, talk to us. Whatever you need some money for, we're here to help - we've got loans to suit your needs and budget.  For example, one of our classic loans is $5,000 for around $55 per week. Fill out our application form to get started (in less than five minutes) and let's see what we can do for you! Apply Today Personal loans for whatever you need Emergency finance, dental/vet bills Education loans for a course Moving house finance, movers and bond loans Funeral costs, when you need to contribute Holiday, honeymoon or wedding coming up Home Improvements and DIY jobs around the home Need a new vehicle to get from A to B None of our business loans… Live the life you should be living – apply online in less than five minutes: Apply Today Excerpt: How're Your Finances? Things a bit gloomy at the moment on the finance front? Do you need a personal loan for a reliable set of wheels to get to work?  Perhaps you need a holiday? Visit some family over the ditch? ### Freedom Loans Finance Today With an Auckland Loans freedom loan, you can grab some finance for whatever tickles your fancy. If your credit is good and you’re in stable employment, we can provide a fantastic finance rate so you can put that money to pursue your desires. Even if you don’t have good credit, we’ll probably still be able to help you. We might be able to assist you to tidy up some debts with a debt consolidation loan for example, this is what a lot of our clients do - they get tired of paying credit and store card interest rates which can be devastating long term. Personal loans for whatever you need Emergency finance, dental/vet bills Education loans for a course Moving house finance, movers and bond loans Funeral costs, when you need to contribute Holiday, honeymoon or wedding coming up Home Improvements and DIY jobs around the home Need a new vehicle to get from A to B None of our business loans… Live the life you should be living - apply online in less than five minutes: Apply Now Recent Customer Feedback "Thank you so much - I've got my car fixed to get to work.  You guys are incredible" - Maxine K. "An easy application form that I completed on my phone.  Couldn't be easier" - John T. "You guys rock, I am so grateful for your help.  My mum's tangi was beautiful and just the way she would have liked it" Miriama A. Excerpt: With an Auckland Loans freedom loan, you can grab some finance for whatever tickles your fancy. ### Cash is King Be cash ready – get yourself a bargain When you go shopping for that car or another big-ticket item, sometimes it's best to have the cash ready to drive yourself a bargain.  As they say, "Cash is King". A quick tip with car dealers After your loan with us is approved and you’ve got the cash in hand, don’t be afraid to walk away from the deal at the car yard.  They don’t want you to leave, so nudge them a little more on the price.  No car dealer can bear the thought of a cash buyer walking off the yard, especially after you've given them a glance at the cash :) With cash in your pocket you can buy that item - some examples include: 70" TV Car, or other vehicle Furniture Boat Electronics etc Auckland Loans, your trusted finance partner We’ve been in business for over 10 years and helped tens of thousands of Kiwi’s to date with personal loans  – you could say we’re experts in personal lending. The majority of our clients actually come back for another loan when they need another round of financing like upgrading a car, doing a house extension, planning a holiday and more. So what are you waiting for – apply, and get approved today! Interest rates from as low as 8.95% when you apply online Loan applications processed fast, often loans can be in your account the same day! Different people, different loans. Our helpful staff will tailor your loan to fit your needs* No obligation online application form – takes around three to five minutes to complete Apply online now Apply Now If you’d like to walk through the loan application process with someone over the phone, you can do so by calling one of our friendly and helpful customer service team members on 0800 323 130. Our Loans are easy to apply for – in just a few minutes you’ll be on your way to getting a bargain for that big-ticket item. *We take our responsibilities as a lender very seriously and only loan money to people who are in a position to make repayments without causing any undue financial hardship.  Auckland Loans (Loansmart Limited) are recognised as a trusted lender in the market place. ### Anytime Personal Loans Finance Available Now! At any time you can apply for a personal loan through our website. No matter what you're after, our anytime personal loans are a great solution. It might be a new set of wheels, a family holiday, dental bill, vet bill, home renovations, urgent repairs ... whatever you need, we can help. With competitive interest rates, flexible terms and payments to suit your budget. You can choose from secured and unsecured loans at an affordable interest rate. Please note, we do not offer short term loans, all Auckland Loans loans are for terms of six months to five years. Most applications are processed the same day with many being paid to a bank account within hours. Grab a personal loan for: a vehicle purchase (car loans are one of our specialty services) holiday getaway loans debt consolidation dental loans - smile :) vet bills bond, moving loans home renovations home mortgages car or other repairs etc Apply online in less than five minutes: Apply Now Unsecured personal loans If you qualify for an unsecured loan with us, you do not need to provide any collateral or security for a loan. Typically, this means that the amount you can borrow is less and the interest rate charged is slighter higher than a secured loan. Secured personal loans A secured loan is where you provide security for the loan, like a vehicle. Doing this helps you to borrow a larger amount and reduce the interest rate. Our current interest rates range from 13.95% APR (Annual Percentage Rate) to a maximum APR (Annual Percentage Rate) of 29.95%. The rate offered will depend upon your credit history, security offered and your overall credit profile, all rates are fixed for the term of the agreement. A typical example of a $3,000 loan through Auckland Loans would be as follows: Loan Amount $3,000 Establishment Fee $295 Weekly Admin Fee $3.46 Payments over 24 months @ 13.95%, $39 per week Total cost payable over 24 Months $4154.88 ### Car Finance Loans - No Deposit Car  Finance Loans - No Deposit That's right, no deposit - we can make it easier for you to drive away in a new set of wheels.  Flexible interest rates depending on your credit history (bad credit ok). Grab a car finance loan from us and have the cash ready to go car shopping. So don't get stuck for transport - talk to Auckland Loans and get moving again :) What next? Simply apply online for one of our car finance loans and we'll do the rest. Apply Today 5 reasons to choose us for your car loan 24-hour approval – apply online, or give us a call on0800 323 130 Pre-approval – even if you haven’t found the right car yet, you’ll know how much you can borrow Great rates – we offer outstanding rates to people with a good credit rating and may be able to assist those with poor credit 6-60 month finance terms available – we work within your budget Flexible repayments – weekly, fortnightly or monthly, whatever suits you! ### Free Money Are you on track to get $521 from the government? Wouldn't it be great to get an extra $521 into your KiwiSaver? That’s how much you stand to gain from paying enough into your KiwiSaver account to gain the full government contribution each year. How does it work? Put a dollar into KiwiSaver and the government matches it with 50 cents – up to $521 every year. To get the full amount, you need to be at least 18 and contributing  at least $1,043 each year between 1 July and 30 June. That’s just a bit more than $20 a week. If you haven’t been putting in that much, you can top up your KiwiSaver account before the end of June each year to get the full government match. Contact your provider to make arrangements. Even if you don’t put in the full $1,043, you still get the government’s matching 50 cents for every dollar you put in. Remember, all the money you and the government put into your KiwiSaver account is for you when you retire or to use towards buying your first home. The sooner you start contributing, and the more you add, the more you’ll have when you need it. How do you know if you have contributed enough? You’ll automatically get the maximum government contribution if you've been a KiwiSaver member for the full year (from 1 July to 30 June), aged 18-65 and the following apply: You're employed You earn at least $34,762 per year You contribute at least 3% to KiwiSaver OR if you've been contributing more than $20 a week, on average, for the full year (from 1 July to 30 June). OR if you've made one or more lump-sum contributions totalling at least $1,043 between 1 July and 30 June. What if you haven’t contributed enough? If it doesn’t look like you’ll contribute at least $1,043 to your KiwiSaver account by 30 June this year, you can make a lump sum contribution or set up a regular payment before then to make up the difference. Not sure how much you put in? Check your payslip. Self-employed? Check how much you’re paying and make sure you put in at least $1,043 between 1 July and 30 June each year to get the full $521. Stopped your contributions? Talk to your provider about topping up before June 30. For every dollar you put in, the government will match it with 50 cents – up to $521. Not sure who your KiwiSaver provider is? Call 0800 KIWISAVER. source ### Anytime Loans NZ Finance 24/7 - AnytimeWe're open 24/7, well our website is for online applications.With applications made overnight and on the weekends, our dedicated team of loan consultants starts processing them first thing in the morning.So our 'Anytime Loans' are really fast and efficient.  And one of our most popular loans is for $5,000 for around $55 per week.  This amount works for a lot of people, some need less, some need more.  Depending on your credit history and current income level, any loan that is approved will actually be tailored to your individual circumstances.All you have to do is apply online - and in less than five minutes you'll be done.  One of our loan consultants will be in touch from there.You can avail - Car loansHoliday loansSpecial occasionsFuneral costsMedical expensesCourse loansDebt consolidationEmergency loans (vets/dental)Bonds/moving loanAnd much more. Simply apply from your laptop, tablet, or phone—you can apply anytime from anywhere.Click the Apply Now button to get started - If approved, the funds could be in your account in just a few hours.Apply NowNB: We do not do payday loans.  All our loans are six to 60 months in length.We've Got Your Back in Every EmergencyWe know emergencies do not come announced. And that’s when you need a hand the most.Keeping that in mind, we ensure that our lending process is as lean and quick as possible. We ask you to provide only the information that is absolutely required, not a thing more. So neither you have to waste time providing unnecessary information nor do we have to waste time processing it.A representative from our team of expert loan consultants will get back to you as soon as possible to have a conversation about your circumstances and give you the best possible recommendation. Once that goes smoothly and you like our terms, expect your phone to give you an alert of money deposition anytime.So whether you need to apply for financing to buy a new car, go on vacation, consolidate your debts, or for any other reason, we're here to help.It's Online and InstantEven better, applying for your loan is really simple and is entirely online. You only need to fill out a very brief form with your first and last name, phone number, email address, and the amount you require.After you submit an application, we'll get in touch with you to discuss the details, go through your financial profile (don't worry, we're flexible), and set the terms.If both sides agree that everything is satisfactory, money will be transferred to your account right away.You don't even have to leave your home to apply for a loan with Auckland Loans. We offer an entirely online lending process in New Zealand with quick approval.Low-Interest Rates & Easy TermsYou could be concerned about the conditions and interest rates given all these wonderful advantages. We're delighted to inform you that our interest rates start as low as 8.95 percent, keeping your bubble intact.And compared to banks or other lending institutions, we are far more flexible regarding your credit profile. We think that because our conditions were created with both parties' interests and conveniences in mind, they won't be a deal-breaker for anyone.About Auckland LoansWe are a reputable and trustworthy lender who ensures that the entire loan process is transparent to avoid any unpleasant surprises. Our quick cash loans feature fixed interest rates and no hidden costs, giving you clarity and peace of mind for the duration of your loan and any following loans.Auckland Loans and our parent company, Loansmart are wholly owned and run in New Zealand, and we have been assisting tens of thousands of Kiwis over that time. We can help you get back on track, get ahead, and get organized no matter where you are in the nation. With your security in mind, our quick cash loan application process is quick and easy online. ### Short Week Ahead Short Week Coming Up Two short weeks and a long weekend in the middle - Yippee. Have a great short week ahead and remember we're always here for you, for personal loans - work out how much you need with our calculators and simply apply online. What do you need money for? Emergency loan, dental/vet bills New car, motorcycle, scooter – or other transport Debt consolidation loans (our specialty) Holiday, honeymoon or wedding coming up Education loans for better employment opportunities Home Improvements and DIY jobs around the home Funeral expenses, when you need to contribute Moving house loans, movers and bond loan None of our business finance…  That’s right, as long as you can pay the loan back, we don’t really need to know what you need the cash for, i.e. a cosmetic procedure for example, well that’s kind of private for sure  Apply Today – our online loan application seriously takes less than five minutes. Whatever personal loan requirements you have, we’ll probably be able to help you out. Most of our loans are processed the same day and with Internet banking being so efficient as it is, many of our clients receive their funds within just a few hours after applying. Apply Today ### Moving House Loans Moving? Are you moving house or flat and need some extra cash to make the move easier? Moving house can be quite an expensive exercise, so that's where our Moving House Loans come in, and they are easy to apply for online. Use the money to pay for: Moving truck Bond Rent in advance New appliances etc Apply Today Moving House Loans Checklist Use our moving house checklist to prepare for your upcoming move and assist with a hassle-free moving experience. Have You Discontinued or Redirected These Services? Newspaper delivery Telephone/Internet lines Sky/Pay TV Gas and electricity Water (rural supply) Notify Your Change of Address Post office for redirection of mail Your bank (to transfer your account) The electoral registrar Hire purchase company Your insurance company to transfer your household insurance/motor vehicles Your life insurance company Your health insurance company To obtain your children's school records Local council for rates Stores – where you have charge accounts Relatives, friends and regular correspondents Club Memberships Publications to which you subscribe Has your doctor or dentist recommended someone in the location to which you are moving Your solicitors/accountants Your church Credit card companies Airline frequent flyer programmes Cleaners and gardeners In Preparation for Move Day Ensure your move is confirmed with the moving company as soon as your dates are known Complete any transit insurance proposal and return it to the mover or insurance broker Spring clean – discard the things you no longer want, clean out expired medicines Dispose of inflammables or leave for new owners (i.e. paints, turps, kerosene, petrol) Arrange childcare for day(s) of moving (if applicable) Dismantle fragile kitset furniture Have BBQ/heater gas bottles professionally purged Arrange for a specialist to disconnect plasma TVs Keep Important Documents Together & With You Travel Documents, i.e. airline tickets Travellers cheques Passport and visa/frequent flyer cards Vaccination records for pets Medical and travel insurance Driver's licence Paperwork relating to your household goods removal Extra set of keys for the car Jewellery Sunglasses Plan to be available on move day or have an authorised person available Do You Need To ... Have your car serviced? Collect dry cleaning? Return school or library books? Empty golf club lockers? The Day Before Defrost freezers Empty rubbish bins Drain most fuel from mowers/petrol weed-eaters Thoroughly clean garden tools, mowers, golf clubs, outdoor furniture and bikes for quarantine inspections if moving overseas Empty vacuum cleaners (export shipments only) Identify items not to be packed and place in one area Ensure washing machine taps are turned off Identify the items for your "Priority Cartons" – those items you want first on delivery/or the items for temporary use if going via storage Arrange a simple breakfast for move day and empty the dishwasher! Water plants being moved (for nationwide moves only) ### 12 tips to avoid buying a lemon of a car Car Buying  -12 Tips Buying a second-hand car can be a bit like navigating a minefield. Here are 12 tips for dodging the old bombs and clangers, and landing a genuine bargain. 1. CONSIDER GOING PRIVATE Car salespeople routinely score the lowest in "most trusted profession" surveys, mixing with other bottom-feeders such as journalists and politicians. The Dog and Lemon Guide author Clive Matthew-Wilson reckons car yard tactics have not changed in 50 years. "There are good and bad car salespeople, but overall, they are lean and hungry professionals whose job it is to part you from your money as quickly and effectively as possible," he says. By buying skilfully from private sellers, Matthew-Wilson reckons you can save as much as 30 percent on dealership prices. Of course, it's not as convenient as having a whole forecourt of cars lined up for you to inspect, and you are trading away some legal protections, he says. Consumer NZ recommends always dealing with a dealer because they are subject to the Consumer Guarantees Act and Fair Trading Act. "If you buy privately, you're not nearly so well protected." Car Finance - Click Here 2. HAGGLE HARD If you do go to a car yard, make sure you bring your best haggling game. Dealers expect customers to negotiate, Consumer NZ says. "On a straight purchase, try to get 15 percent or so knocked off the ticket price." If you are paying cash, you might get even more. Optional repairs or extras can also be used as bargaining chips. 3. CHECK YOURSELF Another advantage of going to dealers is that they have to tell you if there's money owing on a car. If you don't know, you could be in for an extremely nasty surprise. Former Fair Go TV presenter Brian Edwards' son and daughter-in-law bought a 1998 Toyota Caldina from a seller on Trade Me for $3600. They were pleased with the purchase until a repo man came to the house to repossess it, with $7000 owing from its previous owner. After a year of wrangling, the pair managed to get their money back, but most won't see a penny. Trade Me warns that a third of cars may have money owing, so it's vital to check. It only costs $3 to check the property security register, and you can even do this by text using the TXTB4UBUY service. If you pay $20 to $25 you can get a full report from the likes of AA or Motorweb, which will give you the full ownership history, whether the car has been reported stolen, and lots of other titbits. 4. DON'T GET WOUND UP Modern-day digital odometers are not immune to being wound back by dodgy sellers trying to wipe a few thousand kilometres off the car's history. A vehicle report with regular readings will give a good indication of whether the figure is reliable. If you are suspicious of too-good-to-be-true mileage, have a look under the motor and gearbox for leaks and smears. "No Japanese car under 80,000km should have oil leaks," says Matthew-Wilson. Other good warnings signs that the car has been "clocked" are worn driver-door hinges that jiggle up and down, or rubber worn off the brake pedal. Car Finance - Click Here 5. SORT THE PAPERWORK Cassandra Bean thought she was buying her "dream car", handing over $7000 for a bright purple Toyota Altezza. The dealer had knocked $1000 off the price if she bought it without a warrant of fitness, which proved to be a big mistake. When Bean took it to the garage the next day, her heart sank - the vehicle needed more repairs than the dealer had promised. Vehicles for sale have to have a warrant of fitness which is less than one month old. You can only buy the car "as is" if you give the seller a written promise you will drive it straight to the garage to get a warrant. 6. CALL THE CAVALRY Before you buy a car, you must get an inspection done by a mechanic. We are not talking about someone the seller recommends, and "please, please, please, not 'a friend who knows a bit about cars'," urges Matthew-Wilson. The AA inspects over 20,000 vehicles a year, and charges $169 for a report, or slightly less for members. Your local garage will also often do car inspections for a fee. If the mechanic signs off, you are good to go. Consumer NZ says they are required under the Consumer Guarantees Act to do the job to a reasonable standard, according to your instructions. If they get it wrong, you can hold them liable for any losses you incur. However, it's a big expense, and you don't want to be paying for inspections on multiple cars. To weed out the lemons before you get the mechanics involved, there are a range of easy tests you can do yourself. 7. DO IT IN DAYLIGHT "Wherever possible, inspect a car in the daylight on a clear day," says Matthew-Wilson. "Darkness and rain tend to hide serious faults." Check the car's panels are all the same colour. Any variation in shades suggests work has been done, so be sure to ask why. Check carefully for rust on the roof, under the doors, along the sills, and in the spare wheel well. Bubbles or bumps coming through the paintwork may also indicate rust. Matthew-Wilson recommends bringing a flexible fridge magnet with you. "If it sticks firmly and easily to a panel, chances are that the panel is sound," he says. "If it drops off or won't stick easily, chances are that panel has been repaired with filler." Be sure to have a look under the hood too. The New Zealand Transport Agency recommends checking for frayed or burnt wiring, oil streaks, petrol leaks, and black, soupy oil. 8. START YOUR ENGINE "Start the engine and rev it as if you were about to take off on a hill, but not so hard that it sounds like the motor is about to fly apart," says Matthew-Wilson. "Hold the revs steady for about 10 seconds while you or a friend check for obvious smoke coming from the exhaust." If there's continuous blue smoke, walk away. Don't let the owner do the revving, as they will be too light on the pedal. Car Finance - Click Here 9. GET YOUR GROOVE ON Take a matchstick and check the tyre tread is deeper than the head. There needs to be at least 1.5 millimetres, otherwise, you are looking at buying another set. 10. THE SNIFF TEST Lift the floor mats and look for cigarette burns and high heel holes. Smokers' cars stink for years, but they can be temporarily masked with a bit of air freshener. "While you're down there, sniff for musty carpet smells that might indicate a water leak," says Matthew-Wilson. "If the carpet is damp or smells musty, insist that the car goes through a car wash with you inside, or spray the car cabin, especially the windscreen, with a garden hose. Watch for leaks inside." 11. TWIDDLE KNOBS Push everything on the dash that moves or blinks. Don't forget air conditioning, indicators, lamps, the stereo, and all the engine warning lights. 12. TAKE A SPIN Find a car park, lock the steering hard in each direction and drive in circles. "If you hear a loud knock-knock-knock noise coming from the front wheels then you know for sure that the car is high mileage and probably very tired," says Matthew-Wilson. The CV joints are shot, which means the rest of the car probably is too. Now take the car to a long, straight road. Take your hands off the wheel and see whether the car pulls to one side. Gently apply the brakes to see if the car stops in a straight line. Include some faster open road driving and some hill work to check the gears and handbrake. source Car Financing A personal loan to get you into a new set of wheels is relatively easy with Auckland Loans. Our straightforward online application takes less than five minutes - typically we can let you know if you are approved within hours. 5 reasons to choose Auckland Loans for your car loan 24-hour approval – apply online, or give us a call on 0800 323 130 Pre-approval – even if you haven’t found the right car yet, you’ll know how much you can borrow Great rates – we offer outstanding rates to people with a good credit rating and may be able to assist those with poor credit 12-60 month finance terms available – we work within your budget Flexible repayments – weekly, fortnightly or monthly, whatever suits you! What next? Simply apply online and we'll do the rest. Apply Today ### Bathroom Renovations Bathroom Renovations Pondering a new bathroom?  Are you planning a home renovation, a DIY project, but don’t have the money saved to get it underway? We can help with a bathroom renovations loan to make your ideas happen. Home renovations are a great way to add value and with a home improvement loan, you'll be able to set your budget and hire good tradespeople to do the work. As one of the most experienced and trusted finance brokers in New Zealand, we know exactly who to talk to about sourcing the best loan to suit your individual requirements. So you don't have to shop around trying to find the best source of finance and be subject to numerous credit checks and the like.  Our application process is easy and takes only a few minutes (typically less than 5 minutes). Home Improvements Loans You can use a Home Improvement Loan for many purposes, whether it’s a DIY job, small renovation or BIG undertaking, Auckland Loans is here to help you get it sorted. Typical home improvement loans can be used for: bathroom renovations New kitchen Add-ons, pop-ups Mezzanines - more space Roof replacement Double glazing Etc Auckland Loans, providing renovation and DIY loans for your new kitchen, new bathroom or whatever tickles your fancy. APPLY HERE Excerpt: Pondering a new bathroom?  Are you planning a home renovation, a DIY project, but don’t have the money saved to get it underway? ### Debt be Gone! We'll do our magic We may not be a real-life wizard, but we can help you tidy up your outstanding bills with a debt consolidation loan. If you have a pile of bills to tidy up, we can help you TODAY! All you have to do is apply online. 7 benefits of a debt consolidation loan One easy to manage payment in line with your pay-cycle Often a much lower interest rate Less risk of repossession of your stuff Having a regular fixed payment amount - you know exactly where you are BIG stress reduction Less monthly expenditure on debt repayments Can help to improve your credit score The best solution... Debt consolidation loans are a quick and effective way to start managing your finances - apply for a debt consolidation loan with Auckland Loans today to start moving you in the right direction – application form. It takes less than five minutes to apply online. APPLY HERE ### New Arrivals - Baby Finance Baby Finance There is nothing more precious than a new baby arriving in your family. If need a little help with getting together all the items needed to care for your baby adequately talk to us. Work out how much you need and apply online, it'll take you less than five minutes to complete our application form. 17 Things to Buy for Your Newborn There is no shortage of advice for new parents on what to buy, how much to buy, or when to buy it. While there are a few absolute necessities, many items for a baby or the nursery can be acquired according to personal preference. Here, we discuss the bare necessities you'll need to have for your newborn. Nine newborn essentials A crib, unless you plan to have a family bed. You'll need to make a plan for baby to sleep somewhere. A bassinet cradle or three-sided crib (co-sleeper) can be a good option for the first few months if you prefer to start small. Most cribs do not come with mattresses, so you'll need to put a fire-retardant mattress on the list. Be wary of hand-me-down or older cribs; make sure they meet current safety recommendations. The slats should not be more than 2 3/8 inches (6 centimeters) apart, for example. Linens, if you're going to use a crib. You can use a waterproof mattress pad with crib sheets on top, or you can look for a waterproof pad (called a sheet saver) that fits on top of the fitted sheet. Whatever you choose, you'll need one quilted mattress pad, a few waterproof pads, and at least two crib sheets and lightweight blankets. Babies don't need pillows, crib bumpers, or fluffy comforters. These can even pose a danger of suffocation. The same goes for stuffed animals left in the bed. Diapers, whether cloth or disposable, plan on 70 to 90 diaper changes a week to start out, and then around 50 changes a week after six weeks. You'll need some kind of pad for the baby to lie on while changing, moistened (alcohol-free) diapering wipes or soft washcloths, a pail or bucket to dispose of soiled diapers, and probably, diaper rash ointment or cream. Clothing. It's a good idea to start with at least six "onesies" (undershirts that snap at the bottom), three to four infant gowns with a drawstring at the bottom, three receiving blankets large enough to swaddle the baby, a sweater and cap, and three to four pairs of socks or booties. Some parents like to buy several sleepers (stretch suits) that zip up the front. For bath time, you'll need some kind of baby tub. For tiny babies, you can get tubs with a sponge insert or those that are sloped with a foam pad inside. You'll also need a few terrycloth bath towels and washcloths, baby soap and/or tearless shampoo, brush and comb, and round-tip nail clippers or scissors. For feeding, you'll need some burp cloths and bibs. Even if you're breastfeeding, you will need bottles and nipples to use with milk that you pump. A bottle brush and dishwasher basket can be very useful for cleaning. If you are not breastfeeding, you'll need formula and an accurate measuring cup. A rear-facing infant car seat rated up to 20 pounds. This can also serve as a baby carrier, and some models snap into a stroller so that you need not carry the car seat everywhere. Breastfeeding mothers usually appreciate having a breast pump to express milk when you have to be away from baby or if your breasts become engorged when baby isn't ready to feed. Talk to your pediatrician about his or her recommendations for the medicine cabinet. A thermometer is usually necessary. There are many types available; ask your doctor which type he or she recommends for you. A bulb syringe to suction excess mucus from the nose and mouth is helpful, and you may get one at the hospital to take home. Your pediatrician can tell you what kinds of medications or ointments you may need in your baby's medicine cabinet. Eight other items for your baby The following items aren't essential, but many parents find them convenient. A baby sling to carry your baby and leave your hands free A baby monitor that allows you to keep track of baby while you are in a different room A diaper bag, with plenty of room for snacks, toys, a changing pad, and plastic bags (for dirty diapers) A "bouncy seat" or infant swing A changing table for diapering, with storage for diapers, wipes, ointment, etc. A crib mobile; musical mobiles are available that provide added interest A CD player; some babies enjoy soothing or lullaby music A night light, to help you see during late-night feedings or diaper changes Apply Today ### Cash in a flash (URGENT) Need urgent cash? Has an emergency popped up and you need cash to sort it now? We have a very quick loan application process.  Typically you apply online in less than five minutes using our application form.  Next, we review your application and come back to you with anything we need, like proof of income etc.  We agree on the terms of the loan, then the funds are paid to your account straight away.  All this can happen in just a few hours. That's right, most of our loans are processed the same day and with Internet banking being so efficient as it is, many of our clients receive their funds within just a few hours after applying. At Auckland Loans, providing cash in a flash is what we do.  All you have to do is apply online: APPLY HERE Personal loans for just about anything Emergency loan, dental/vet bills New car, motorcycle, scooter – or other transport Debt consolidation loans (our specialty) Holiday, honeymoon or wedding coming up Education loans for better employment opportunities Home Improvements and DIY jobs around the home Funeral expenses, when you need to contribute Moving house loans, movers and bond loan None of our business finance…  That’s right, as long as you can pay the loan back, we don’t really need to know what you need the cash for, i.e. a cosmetic procedure for example, well that’s kind of private for sure  Apply Today – our online loan application seriously takes less than five minutes. ### Don’t Stay In The Debt Trap How a debt consolidation loan can help A lot of Kiwi’s are stuck with credit cards, store cards that they can never seem to pay off because they are always on the limit and need to pay 20% or more in interest each month. Now too, there are the likes of these big finance companies offering handy charge cards which seem handy at the time with their interest-free offers for higher ticket items, but eventually, they turn into the same high-interest payment each month due to little hooks in the fine print.  For example, if you don’t use your store card or charge card wisely, very quickly you’ll be repaying the balance normally at around 25.99% p.a, and it’s added to your bill daily.  Their interest rates are almost twice as high as a low-interest credit card and designed to keep you in debt. What’s the best solution? If you’re not getting ahead because of too many monthly, and high-interest payments, talk to us to roll them all into one easy to manage outgoing each month.  Debt consolidation loans are a quick and effective way to start managing your finances so there is some leftover for important things like savings. Apply for a debt consolidation loan with Auckland Loans today to start moving you in the right direction – application form.  It takes less than five minutes to apply online. APPLY HERE ### Caravan Living Home away from Home If it's a temporary getaway to be under the stars or a more permanent 'tiny home' solution, we can help. We can finance you with a caravan loan, we do caravan loans New Zealand wide for all types of recreational vehicles that also include RVs, motor homes and camper trailers. So if you want a better camping and outdoor living experience, a caravan loan from Auckland Loans might just do the trick. And as you know, you could live in yours, this is becoming popular with the ever-increasing cost of being housed in New Zealand.  Or you could set the ‘teenager’ up out on the back yard, so they have their ‘independence’.  In fact, we did a loan recently for a couple who wanted a ‘cheaper’ alternative for a new room on their property separate from the home to act as an office for a new business idea.  The added bonus is they can hitch it up on the tow-bar and take it camping too. So whatever your individual requirements, our process ensures that if you have clean credit, this can be done in as little as an hour.  Bad credit is usually okay too, just requires a little more work at our end to try and secure you the finance. Securing finance with one of our caravan loans before you go looking for one ensures you’ll get a better deal with the seller – cash in hand talks a lot as you appreciate. So what are you waiting for - work out how much you need and apply online. APPLY HERE Auckland Loans – for your home on wheels? Apply online in less than five minutes, it’s seriously that easy! Get your money, in many cases, the same day so if you apply on a business day morning 🙂 Fixed interest rates for the term of your loan and no hidden surprises… Affordable repayments in line with your earnings. ### Fun in the Sun - BBQ? It's BBQ SeasonYep, it's still BBQ season all right, so how's yours looking and the outdoor living space around the home?Is it time for a new one and maybe a new deck?We've got Home Improvement finance available right now for those essentials to make your summer even better.Apply online in around 5 minutes and in no time at all you'll have your mates over to check out your gear.Apply Today!So what are you waiting for, apply today – following receipt of your application, we can normally approve your loan within just a few hours. The money could be in your account overnight, so you’ll be able to get down to the BBQ shop, then head over to the timber yard for the decking.Of course, there may be other improvements around the home you've been thinking of, like:Spa poolReplace the fencePave/concrete the drivewayKitchen/bathroom upgradeMan cave developmentNew garage or shedCreate an extra room, like an outdoor officePergola/awningsetcIt all adds value to your property so enhancing the property is a good investment.With a BBQ Fun in the Sun Loan from Auckland Loans, we’ll see you right.Enjoy! ### Boxing Day sales: What you need to know Boxing Day sales: What you need to know about returns, refunds and unwanted gifts Boxing Day has cemented itself as one of the best days to go shopping in New Zealand - if not the busiest. Consumers will flock to shopping centres in search of the best retail deals, while others will scour the internet for hidden deals. And for the next few days, the wrapping paper from Christmas Day would barely have made it into the bin by the time unwanted gifts would start surfacing for resale online. But are retailers required to accept unwanted gifts - even those purchased belatedly today? The simple answer was no, Consumer NZ head of research Jessica Wilson said, advising consumers to always ask for an exchange card while making a purchase. "Ask the store for an exchange card and check how long the person will have to return the item," she said. "If you're buying a gift card, always check if there's an expiry date. Avoid buying cards that don't give the person a reasonable time to use them." However, recently consumers had become increasingly more empowered, according to Chris Wilkinson, managing director of retail strategists and consultants First Retail Group. "That's come from their power online and through the value of products. The empowerment of consumers is part of that DNA now. "If they feel they have been treated inappropriately they can feedback that information quickly." Consumers also expected goodwill from retailers in their in-store shopping experience, meaning many would go out of their way to support those who made their shopping experience special. So as the country prepares for one of the biggest shopping days of the year, here's some handy advice around returns, refunds and how to approach unwanted gifts. If it's too good to be true ... Retail websites are not exactly your friend. They work hard to try get you to splurge on stocking up on products online. They often use misleading tactics such as inaccurately reporting the item was "selling fast" or they could use fake celebrity endorsements. A quick search online for the product or the retailer might help you find a cheaper price or could even help identify if an amazing deal was a scam. How to avoid being ripped off Check to make sure there is a padlock symbol on the address bar and the webpage address starts with "https" before you buy anything or punch in your payment details. If it isn't secure, it could prove costly filling in your personal and payment details into the webpage to a potentially harmful site. Meanwhile, it also pays to use a debit or credit card when you shop online. This means you would be able to apply for a chargeback if there were any issues. What if you just don't like it? Retailers don't have to refund or exchange any unwanted gifts - only if the product is faulty. However, some would take back presents to keep customers happy. Buying clothing and jewellery gifts for other people is often a tricky thing given everyone's tastes can be different, Wilkinson said. "Retailers in these kinds of spaces are very aware based on a goodwill basis and for buyer confidence that providing gift receipt cards means people can come back and swap that gift over. It's becoming fundamental." So to be safe, it might be worth asking if the store offers exchange cards when you make a purchase that you could hand on if the product is a gift. Delivery dilemmas Consumers are able to claim refunds if products do not arrive by the agreed delivery date, whether you buy online or in-store. If you haven't agreed, the delivery must arrive in a "reasonable" time - but only if the retailer operated in the New Zealand market. New Zealand laws also mean if a product arrives damaged and the delivery had been arranged, the retailer couldn't pass it off and blame the courier. Is it broken? All products bought for personal use from a trader fall under the Consumer Guarantees Act (CGA) whether you bought or received it as a gift. The act requires all goods are of acceptable quality; fit for purpose; match the sample, model and advertised descriptions; reasonable price; delivered on time or within a reasonable time, and would be owned by the customer once purchased. The CGA applied to all traders which advertise or sell to Kiwi consumers, even if the company was based overseas. Retailers are not able to escape the obligations of the CGA, for example, by placing a "no refunds" sign on their store. source ### Night Time Loans Apply Tonight Our application page is ready for personal loans right now - in fact it's ready for applications 24/7. Apply now and our team will be in touch first thing in the morning. So right now, work out what you need some finance for? Then apply online in less than 5 minutes. These are typically some of the sorts of things we finance: weddings vehicle loans student loans home improvements property loans (mortgage financing) medical expenses holiday loans moving/relocating loans funerals IRD tax debts paying back friends/family loans pet bills other emergencies small business funding special occasions And of course our favourite, debt consolidation loans - a must when you want one easy to manage payment each month. Whatever you need, we're here to help - apply online and let's see what we can do for you! Apply Today ### Will you marry me? Wedding Loans Wedding Loans Finance So the question got popped and s/he said yes! What's next alongside planning the big day - you guessed it, paying for it! Wedding expenses add up fast and typically in large sums. If you need a bit extra fat in the budget or need the whole wedding financed, just talk to us. In the first instance, apply online for how much you need and let's see if we can help. Apply Now Below are a few cool 'local' links for planning weddings and venues in New Zealand - enjoy! Auckland Weddings Luxury Lodges - wedding venues Dream Weddings - NZ The Wedding Company NZ Weddings - magazine Skinny Love Weddings Backyard Weddings www.weddings.co.nz Bride & Groom - magazine Wedding Directory Simply Perfect Weddings Mountain Weddings ### 24/7 Cash Loans NZ — We're Open 24 hours, 7 Days a week Open 24 hours, 7 days Our website www.aucklandloans.co.nz is open 24 hours every day, all day, seven days a week, because we know emergencies do not come with prior warning.  So anytime you need to apply for finance to purchase a new car, go on a holiday, consolidate your debts, or whatever, we’re here for you. On top of that, our online loan application takes less than five minutes. You do not need to go through a ton of paperwork like you on traditional loans. We’ve made the process easy for you and ourselves. Only the required, no BS! Apply online today!   APPLY HERE 24/7 Finance for Anything Here At Auckland Loans, we ensure that you’re backed up with cash for any emergencies you might face. Where and how you spend the money, is up to you—you get to decide.   Buying a car? Cool! Getting married? Awesome! Getting the house fixed? Go Ahead! We do not impose strict rules as the banks or many other lenders will do.   Our job is to review your application and have a conversation with you to discuss things. Once you’re qualified for the loan, the money will be deposited into your bank account and you’re free to spend it for your cause.You can get a loan for—   Car finance Emergency loans Moving house and bond loans Funeral expenses Home improvements Help out a friend or family member Small business top-up Higher education loans Well deserved holiday Consolidate your debts Getting married? And so many other things as well. 24/7 Cash Loans in NZ for any of your needs! Need an Emergency Weekend Loan? Done! So much can happen over a weekend, right? You could get into deep trouble and no bank, unfortunately, can back you up—they’re closed. The same goes for so many other financial institutions.   It’s not their fault, it’s just how the system works.   Now somebody has to come to the rescue, and we’re that somebody. We understand that weekends are not always pleasing and relaxing, but stressful at times as well, when you get into trouble.   Since banks and other conventional financial institutions can’t help you out due to the limitations, we’ll cover you.   Our system (of receiving applications) keeps running 24 hours a day, 7 days a week, all day for 365 days a year. So if your weekend gets stressful, we’re here to ease things for you. Reach us out whenever you feel like, doesn’t matter if it’s a lazy Sunday morning or 3 am at night—we’re here for you.   Once you fill-up the application form through our website, we’ll get back to you as early as possible.     It's Online & Instant Making things even better, it’s completely online and is super easy to apply for your loan. It’s a really simple form, where you put in little details like your first and last name, phone, email etcetera and the amount you need—that’s all.   Upon your application, you’ll be contacted by us and we’ll have a conversation where we’ll explain everything, discuss your financial profile (don’t worry, we’re flexible) and clarify the terms.   If everything sounds good to both parties, cash will be deposited to your account promptly.   With Auckland Loans, you don’t need to take one step out of your house to avail a loan—it’s a one of a kind fully online loan with instant approval in NZ.     Low-Interest Rates & Easy Terms With all these amazing conveniences, you might be worried about the terms and interest-rates. To keep your bubble intact, we’re happy to let you know that our interest rates start from as low as 8.95%.   And we’re way more flexible in terms of your credit profile than banks or other financial institutions. Our terms are designed keeping both parties’ interests and conveniences in mind we’re hopeful that it won’t be a deal breaker for any     About Auckland Loans We are a responsible and reliable lender who makes every aspect of your loan a transparent process so there are no surprises. There are no hidden fees and our quick cash loans have fixed interest rates so you will have certainty and peace of mind throughout the period of your loan and any subsequent loan. Auckland Loans and our parent company Loansmart is 100% New Zealand owned and operated – we’ve been helping thousands of Kiwis for over 10 years.  No matter where you are in the country we can assist you to get back on track, get ahead and get sorted.  Our online application process for quick cash loans is fast and efficient with your security in mind. Excerpt: Our website www.aucklandloans.co.nz is open 24 hours every day, all day, seven days a week. So anytime you need to apply for finance to purchase a new car, go on a holiday, consolidate your debts or whatever, we’re here for you. ### Second Hand Cars - Finance Vehicle Finance Need a new car, well a second hand one? We can help you with finance. For well over 10 years we’ve been helping New Zealanders do more. Our team of car finance experts can guide you through the process step by step. There is plenty of choices - on Trade Me for example, at any one time there are hundreds of vehicles for sale.  Arm yourself with some cash to bargain for the right price.  At the same time, our car loans can also provide enough for a new set of tyres and other extras you may need. Want to get started now? Apply online today and well be in touch to talk about what you need. The first step... a few minutes is all you need to complete the loan application. One of our loan consultants will be in touch once we have received your application. If at any point you need assistance, don't hesitate to give us a ring on 0800 323 130. APPLY HERE Payments the Easy Way Flexible loan repayments on your terms – when you take out a personal loan with Auckland Loans you can pay it back in a way that best suits your financial situation and budget. Choose from weekly, fortnightly or monthly repayments over a period of six months to five years. Hassle-Free Personal Loans Replacement car finance Dental work Student loan catch-up Bond/first few weeks rent loans Funeral expenses Wedding loans Loan for a family member or friend Small business cash injection Education fees Holiday loans Debt consolidation Vet bills Other emergencies etc We are a responsible and reliable lender who makes every aspect of your loan a transparent process so there are no surprises. There are no hidden fees and our quick cash loans have fixed interest rates so you will have certainty and peace of mind throughout the period of your loan and any subsequent loan. ### Scooter Loans Get Around Town - Scooter Loans Getting around Auckland and the traffic is hard enough with the cost of petrol and parking so why not get yourself one of our scooter loans and save a ton of money. Whether it's just heading on the commute to work, a lecture at your university, or catching up with friends.  Forget about waiting for the bus or begging friends and family for a ride to town - one of our scooter loans will get you two wheels that can set you free. With free parking for motorcycles and scooters in many parts of Auckland, it makes sense to ride a scooter, especially when you consider the low operating costs. On Trade Me at any one time there are hundreds of them for sale.  Arm yourself with some cash to bargain for the right price.  At the same time our scooter loans can also provide enough for a new helmet and other extras you may need. The first step... a few minutes is all you need to complete the loan application. One of our loan consultants will be in touch once we have received your application. If at any point you need assistance, don't hesitate to give us a ring on 0800 323 130. APPLY HERE Cheap Running, Free Parking Why buy a scooter instead of a motorcycle? When it comes to scooters vs motorcycles, motorcycles are usually harder to learn to ride but have larger engines and top speeds, while scooters are more fuel efficient, cheaper and have better maneuverability.  Best of all is the dedicated free parking bays for scooters. Scooters can be thought of as the little brother of the motorcycle world. What’s unique about scooters is the fact that the engine is usually under the seat and directly attached to the rear axle. This allows the rider to not have to straddle the engine but puts a limitation on rear suspension quality. Typically scooters feature lower displacement, automatic engines and have bodywork to conceal all the mechanical elements. Scooters make great short-distance commuters and are ideal for running around town. Scooters are generally inexpensive compared to motorcycles and fuel economy can be outstanding, which may help explain why scooters are starting to dominate the two-wheeled landscape in many cities around New Zealand. ### Some Things Can't Wait Can't Wait - Need it Now! Yep, there are some things we need right now, they just can't wait - and Black Friday is only 11 days away :) If you need that item right now and you don't want to talk to the bank, or they said no - we can help. Or if you want some cash ready so you can grab that Black Friday bargain then apply online today! New mobile phone New 80" flat-screen TV Jewellry Holiday Car, etc Click the Apply Now button to get started - If approved the funds could be in your account in just a few hours. Apply Now What do you need some lending finance for? These are typically some of the sorts of things we finance: weddings vehicle loans property loans (mortgage financing) student loans home improvements IRD tax debts medical expenses holiday loans special occasions moving/relocating loans funerals paying back friends/family loans pet bills other emergencies small business funding And of course our favorite, debt consolidation loans – a must when you want one easy to manage payment each month. Whatever you need, we’re here to help – apply online and let’s see what we can do for you! Apply Today ### Emergency Finance Something unexpected happened? Our emergency finance loans will sort it! We have emergency finance loans for those events that weren't planned for. funeral costs vet bills dental bills car repair bills flat bonds etc We’re here to help. If you don’t have an emergency finance fund or enough savings to cover the unexpected then an emergency loan from Auckland Loans is the answer. Talk to us today and we’ll find the right finance solution tailored to you. Click the Apply Now button to get started - takes around five minutes. If approved the funds could be in your account in just a few hours. Apply Now Unsecured personal loans If you qualify for an unsecured loan with us, you do not need to provide any collateral or security for a loan. Typically, this means that the amount you can borrow is less and the interest rate charged is slighter higher than a secured loan. Secured personal loans A secured loan is where you provide security for the loan, like a vehicle. Doing this helps you to borrow a larger amount and reduce the interest rate. Our current interest rates range from 13.95% APR (Annual Percentage Rate) to a maximum APR (Annual Percentage Rate) of 29.95%. The rate offered will depend upon your credit history, security offered and your overall credit profile, all rates are fixed for the term of the agreement. A typical example of a $3,000 loan through Auckland Loans would be as follows: Loan Amount $3,000 Establishment Fee $295 Weekly Admin Fee $3.46 Payments over 24 months @ 13.95%, $39 per week Total cost payable over 24 Months $4154.88 ### Cash Advance Need a Cash Advance today! We offer personal loans for just about anything. So if you haven't got enough for that big-ticket item we can provide a cash advance so you can get it. Car loans Holiday loans Special occasions Funeral costs Medical expenses Course loans Debt consolidation Emergency loans (vets/dental) Bond/moving loans etc Click the Apply Now button to get started - If approved the funds could be in your account in just a few hours. Apply Now NB, we do not do payday loans.  All our loans are six to 60 months in length. Payments the Easy Way Flexible loan repayments on your terms – when you take out a personal loan with Auckland Loans you can pay it back in a way that best suits your financial situation and budget. Choose from weekly, fortnightly or monthly repayments over a period of six months to five years. Excerpt: Need a Cash Advance today! We offer personal loans for just about anything. So if you haven't got enough for that big-ticket item we can provide a cash advance so you can get it. ### Fresh Start Loans Debt-free with our fresh start loans Sometimes we need a clean slate, a fresh start – a debt consolidation loan up to $30,000 is perfect for this. Or you might just need finance to get a new car to get to where you need to go on a daily basis – our car loans will get you moving.  We’ve financed thousands of Kiwi’s into a new set of wheels, you can be next. Is a holiday long overdue? An Auckland Loans fresh start holiday loan will get you ‘fresh’ alright, you’ll come back all relaxed and ready for action. Whatever you need we can help, our personal loans are flexible to suit every client, depending on individual circumstances. As a bonus, our online loan application form can be completed in less than five minutes. We've got 8 great tips below to help you with debt What’s the best short term solution? If you’re not getting ahead because of too many monthly, and high-interest payments, talk to us to roll them all into one easy to manage outgoing each month.  Debt consolidation loans are a quick and effective way to start managing your finances so there is some leftover for important things like savings. Apply for a debt consolidation loan with Auckland Loans today to start moving you in the right direction – application form.  It takes less than five minutes to apply online. APPLY HERE A few tips for becoming Debt Free 1. Stop using credit cards If you really want to get out of debt, stop using credit cards. The more you swipe, the more the balance climbs. Even if you continue to use your card, avoid leaning on perks such as the ability to take cash advances. Having a hard time letting go? Try freezing the cards in a cup of ice. By the time you are able to access them again, hopefully, you will have changed your mind about spending. 2. Pay as much as you can afford each month Creating an emergency fund should be a top priority. But once you have accomplished this goal, use any funds at your disposal to pay down debt. The more you pay, the faster you’ll be free of your obligations. Did you work some overtime last week? Apply the extra earnings to your debt. 3. Make cuts to your spending Take a good look at where your money is going and separate necessities from mere wants. Skip daily trips to the local coffee shop or to your favorite lunch spot. Over time, these savings can add up. Use them to dig out of the hole much quicker than you expected. If you are struggling to figure out which expenses you can cut, start by crafting a budget. Use software such as You Need a Budget to help you get spending priorities on track. 4. Double up on payments Congratulations if you have paid off one credit card. However, accomplishing that goal doesn’t mean it’s party time. Keep the momentum going by allocating those funds that are now freed up to the next balance in line. 5. Use windfalls to pay down balances If you get a sudden windfall — such as a tax refund or bonus at work — don’t spend it on a splurge. Instead, bite the bullet and use a portion of the funds to pay off debt. 6. Freelance to earn extra money Try your hand at freelancing to make a few dollars on the side. In some instances, you may be able to generate a substantial amount of earnings, all of which should be contributed to the debt-payoff fund. 7. Tackle debts with the highest interest rates first Although some prefer the debt snowball method, which suggests that you pay the debts with the lowest balances first to build momentum, it makes more financial sense to clear those debts with the higher interest rates first. The ultimate goal is to pay off debt, however, so the choice is yours. 8. Don’t sacrifice the things you love the most Paying off debt may require you to make a few lifestyle changes, but it doesn’t have to be depressing. If you have a difficult time adjusting to new circumstances, implement gradual changes so the process won’t become too overwhelming. ### Small Business Loans Small Business Loans for any purpose Thinking of starting your own business or need a cash injection in your existing business.  Our small business loans are easy to apply online with an answer normally within 24 hours. Small business loans from $5,000 to $30,000 and for that more expensive equipment and funding purposes up to $100,000. At Auckland Loans we make small business loans easy, helping you to move forward. Apply online in less than five minutes Finance rate tailored to your individual circumstances Customer focus – you will have a dedicated lending consultant. Apply Today Responsible Lending Many small business owners obtain small business loans at one time or another, but that doesn’t mean it’s always the right decision. Generally speaking, taking out a loan is reasonable if you: need the money to grow, rather than as a bailout are confident you can make repayments on time, every time understand all the terms and conditions. Common Mistakes with Small Business Loans Obtaining small business loans without, or inaccurately, forecasting your income. Not understanding the terms and conditions of your loan, or the interest rate you’ve agreed to pay. Getting a loan and spending up large — it might feel like easy money, but have a plan for what to spend it on. Not having a plan in place to pay back your loan — it’s important to budget for regular repayments. Introduction to Business Finance Finance is about managing your money — knowing what’s coming in and going out. Check out our jargon-buster: B is for budget, C is for cash flow. By understanding your business finances, you can make smart decisions about where to spend your money and make sure you’re earning enough to keep your business running. A big part of managing your finances is having visibility of what’s going on in your business, whether you’re a sole trader, or in a partnership or company.  The key tools and reports to manage your finances are: 1. Cash flow Your cash flow is the money coming in and going out of your business — and how much of the money sitting in your bank account is yours to spend. A healthy cash flow is having enough money to pay what you owe when it’s due. 2. Budget A budget is an estimate of your income and spending over a period. It helps you think ahead and plan your spending to get to where you want to go.  Using small business loans when cash flow is tight can be a good decision. 3. Profit and loss statement Your profit and loss statement is an accounting report that shows your income and expenses — and whether you made a profit or loss — over the financial year. It may also be known as the income statement. 4. Balance sheet The balance sheet is an accounting report that shows what you own and what you owe at the time of the report. It’s known as the ‘snapshot’ of your business’s financial position. Why Manage Your Business Finances By staying on top of your finances you can: understand how your business is performing make informed decisions about your spending make sure you have enough money in the bank to pay the people you need to, when you need to stay on top of your tax payments (our small business loans can be used to pay tax bills) provide accurate information to get an investment or a business loan set and achieve key business milestones — like expanding into new areas, or hiring someone new. Tips to Manage Your Finances Keep accurate records and check them regularly Use a separate business bank account to keep a clear record of the money coming in and going out of your business Put aside a portion of your income into a savings account to cover your taxes and levies Set a budget and compare how you’re actually going against the budget every month to make sure you’re on track. Common Mistakes Avoid these common mistakes to keep your business finances on track: Not having access to records that can help you understand your finances. Spending the money in your bank account, not realising it’s needed to cover bills. Not putting away money as you go to cover your taxes and levies. Invoicing late, and not chasing up debtors — this has a huge impact on your cash flow. Not getting advice when you need it, or trying to do it all yourself. For more valuable tips in business visit business.govt.nz, a government website packed full of resources. ### DIY around the home Got some DIY projects around the home, but don’t have the money on hand to get them underway? We can help - APPLY ONLINE TODAY in less than five minutes. Doing the DIY yourself is a great way to save money and add value to your home - so with one of our DIY loans you'll be able to set your budgets and where need be hire quality tradespeople to do the tricky stuff. As one of the most experienced and trusted finance brokers in New Zealand, we know exactly who to talk to about sourcing the best loan to suit your individual requirements. So you don't have to shop around trying to find the best source of finance and be subject to numerous credit checks and the like.  Our application process is easy and takes only a few minutes (typically less than 5 minutes). DIY Around the Home You can use a DIY around the home loan for many purposes, whether it’s a standard DIY job, small renovation, or BIG undertaking, Auckland Loans is here to help you get it sorted. Typical DIY around the home loans can be used for: New kitchen New bathroom Add-ons, pop-ups Mezzanines - more space Roof replacement Double glazing Etc Auckland Loans, providing renovation and DIY loans for projects. APPLY HERE ### Customer Service We're BIG on Customer Service One thing we love is feedback and we get a lot of it.  Every month we receive hundreds of loan applications and many messages of thanks and appreciation. But it's not always about the money we lend to those in need.  More often than not, the positive vibes we get are related to how our team treats people. For us, we're extremely proud of this fact. If you need cash backed up by solid customer service, apply online and we'll do our best to help you. Car loans Holiday loans Special occasions Funeral costs Medical expenses Course loans Debt consolidation Emergency loans (vets/dental) Bond/moving loans etc Click the Apply Now button to get started - If approved the funds could be in your account in just a few hours. Apply Now More About Us 1) Nationwide Loan Provider Our name might suggest we’re just for people living in Auckland, but this is not the case, in fact, more than 50% of our customers are from different parts of New Zealand. We are truly a Nationwide service. 2) Custom Solutions “No two customers are the same, they all have different needs and circumstances, our personalised service ensures we tailor something for each individual specific to their requirements,” says Auckland Loans founder Murray Greig. Auckland Loans will work with every customer or business to find their best finance option that works in both the short and long term. 3) Repeat Customers A true testament is when your customers trust you enough to use your service again, and even better when they refer their family and friends to us.  This sets us apart from other finance companies, and as a result, our reputation in the market place is five stars and we’re truly grateful to our customers for this. 4) 100% Kiwi We’ve been helping Kiwi’s for over 10 years and we’re proud to say we’re 100% Kiwi owned and operated.  All our staff have years of experience in putting finance packages together for customers with a variety of our lending partners. 5) Considerate Staff Our team come from all walks of life, they themselves have had times in their life where extra cash was needed to fund a new car or do some renovations etc.  They know and understand the needs you have – when you deal with us, you are assigned your very own lending consultant who is just a phone call or email away. Excerpt: We're BIG on Customer Service and one thing we love is feedback and we get a lot of it.  Every month we receive hundreds of loan applications and many messages of thanks and appreciation. ### BBQ Season BBQ season is so close we can almost smell it! With the warmer weather thankfully comes the BBQ season.  A staple of our kiwi summer diet; sausages, steak, chicken, fish and more are the culinary smells that accompany us at this time of the year.  If your trusty two-wheeler BBQ has seen better days, then it’s definitely time for an upgrade and that's where we can help, especially if you want to upgrade some of your out-door living at the same time. A big plus is your new BBQ and area will look great and you're friends and neighbours will be soooooo jealous.  Of course, it may not be a new BBQ and area you've been thinking about, it could be any of the following: New deck Spa pool Replace the fence Pave/concrete the driveway Kitchen/bathroom upgrade Man cave development New garage or shed Create an extra room, like an outdoor office Pergola/awnings etc It all adds value to your property so enhancing the property is a good investment. With a BBQ Season Loan from Auckland Loans, we'll see you right in time for BBQ Season. Apply online in less than five minutes: Apply Now Below is an article we found on making your BBQ experience just that little bit healthier :) Healthier BBQ Options Traditionally, the centre of a BBQ is an assortment of meats and bread, with vegetables and salads playing a more minor role. It has been estimated that at one BBQ meal alone, we can tally up to 2,000 calories—let’s look at how we can make BBQs a healthier summer addition to our diets! Irish diets are rapidly changing; one clear change has been the reduction in meat and dairy consumption in recent years with people moving to more ‘flexitarian’ diet habits (limiting the amount of meat or dairy products in the diet). As the variety in our diets has undergone a welcome improvement, it is worth exploring a host of other suitable barbecue foods which will cater to a range of dietary preferences as well as inject additional healthy vitamins and minerals into this BBQ season. Fruits and vegetables fit right in with a barbecue spread, either paired with meat or enjoyed alone. Not only can they add variety to the meal, but they also help to reduce the number of calories in the meal by bulking up our plates. Some tasty examples include aubergine, courgette, carrots, peppers, onion, pineapple, tomatoes, corn on the cob, portobello mushrooms, and cauliflower. And why not try barbecuing fruits for dessert? The natural sugars in fruit will caramelise, heightening the sweetness and flavour. Thinly sliced apple and pear, pineapple, halved bananas, figs, peaches, and plums are all great options alone or with some natural yoghurt. Some other tips for ensuring a healthful barbecue: Choosing a lean protein: fish, skinless chicken/turkey breast, ground turkey, and cuts of lean red meat are all healthy options. Be aware of portion sizes—an easy trap to fall into at a barbecue is overdoing the protein portions. Try barbecuing bean burgers, marinated tofu or halloumi as meat alternatives. Avoid high-fat meats and reduce the number of additional fats added during preparation and cooking—meats and vegetables produce moisture during cooking, which means less butter and oil are required. Choose healthier sides. Try fresh salads, mixed beans, whole grain rice, or baked potatoes instead of the staple coleslaw and creamy potato salad. Make BBQ fruit a tasty dessert. source ### You Could Be Debt Free So how is it you could be debt free Debt can destroy your financial dreams. Whether you carry a small balance on your credit card each month or are staring up at a mountain of financial obligations, debt makes it impossible to get ahead. A lot of Kiwi’s are stuck with credit cards, store cards that they can never seem to pay off because they are always on the limit and need to pay 20% or more in interest each month. Now too, there are the likes of these big finance companies offering charge cards which seem handy at the time with their interest-free offers for higher ticket items, but eventually, they turn into the same high-interest payment each month due to little hooks in the fine print.  For example, if you don’t use your store card or charge card wisely, very quickly you’ll be repaying the balance normally at around 25.99% p.a, and it’s added to your bill daily.  Their interest rates are almost twice as high as a low-interest credit card and designed to keep you in debt. We've got 8 great tips below to help you with debt What’s the best short term solution? If you’re not getting ahead because of too many monthly, and high interest payments, talk to us to roll them all into one easy to manage outgoing each month.  Debt consolidation loans are a quick and effective way to start managing your finances so there is some left over for important things like savings. Apply for a debt consolidation loan with Auckland Loans today to start moving you in the right direction – application form.  It takes less than five minutes to apply online. APPLY HERE A few Tips for becoming Debt Free 1. Stop using credit cards If you really want to get out of debt, stop using credit cards. The more you swipe, the more the balance climbs. Even if you continue to use your card, avoid leaning on perks such as the ability to take cash advances. Having a hard time letting go? Try freezing the cards in a cup of ice. By the time you are able to access them again, hopefully you will have changed your mind about spending. 2. Pay as much as you can afford each month Creating an emergency fund should be a top priority. But once you have accomplished this goal, use any funds at your disposal to pay down debt. The more you pay, the faster you’ll be free of your obligations. Did you work some overtime last week? Apply the extra earnings to your debt. 3. Make cuts to your spending Take a good look at where your money is going and separate necessities from mere wants. Skip daily trips to the local coffee shop or to your favorite lunch spot. Over time, these savings can add up. Use them to dig out of the hole much quicker than you expected. If you are struggling to figure out which expenses you can cut, start by crafting a budget. Use software such as You Need a Budget to help you get spending priorities on track. 4. Double up on payments Congratulations if you have paid off one credit card. However, accomplishing that goal doesn’t mean it’s party time. Keep the momentum going by allocating those funds that are now freed up to the next balance in line. 5. Use windfalls to pay down balances If you get a sudden windfall — such as a tax refund or bonus at work — don’t spend it on a splurge. Instead, bite the bullet and use a portion of the funds to pay off debt. 6. Freelance to earn extra money Try your hand at freelancing to make a few dollars on the side. In some instances, you may be able to generate a substantial amount of earnings, all of which should be contributed to the debt-payoff fund. 7. Tackle debts with the highest interest rates first Although some prefer the debt snowball method, which suggests that you pay the debts with the lowest balances first to build momentum, it makes more financial sense to clear those debts with the higher interest rates first. The ultimate goal is to pay off debt, however, so the choice is yours. 8. Don’t sacrifice the things you love the most Paying off debt may require you to make a few lifestyle changes, but it doesn’t have to be depressing. If you have a difficult time adjusting to new circumstances, implement gradual changes so the process won’t become too overwhelming. ### How Much Can I Borrow So you may be thinking “how much can I borrow?” The minimum amount you can borrow from us is $2,000. The maximum amount is dependent on your circumstances and current financial situation. Whether you’re looking for support to assist you with a much needed holiday, buy a new car, financing a wedding, or a way to repay your credit cards, our options are more than suitable for a wide range of budgets. Online applications take around five minutes to complete and funds can be in a bank account withing hours of an application being accepted. We offer flexible terms and tailored interest rates tailored to suit you. All you have to do is decide how much you need (use our calculators) and apply online. Use the funds for: a vehicle purchase (car loans are one of our specialty services) holiday loans, big OE, or over the ditch debt consolidation loans dental loans - smile :) vet  or dental bills bond, moving loans home renovations and DIY loans home mortgages car or other repairs etc Apply online in less than five minutes: Apply Now Unsecured personal loans If you qualify for an unsecured loan with us, you do not need to provide any collateral or security for a loan. Typically, this means that the amount you can borrow is less and the interest rate charged is slighter higher than a secured loan. Secured personal loans A secured loan is where you provide security for the loan, like a vehicle. Doing this helps you to borrow a larger amount and reduce the interest rate. Our current interest rates range from 13.95% APR (Annual Percentage Rate) to a maximum APR (Annual Percentage Rate) of 29.95%. The rate offered will depend upon your credit history, security offered and your overall credit profile, all rates are fixed for the term of the agreement. A typical example of a $3,000 loan through Auckland Loans would be as follows: Loan Amount $3,000 Establishment Fee $295 Weekly Admin Fee $3.46 Payments over 24 months @ 13.95%, $39 per week Total cost payable over 24 Months $4154.88 ### Special Occasions Some help to celebrate life’s moments Special occasions can become even better with a little help from Auckland Loans. Planning for those special occasions and events such as a family reunion, wedding, anniversary or significant birthday celebration is an exciting time. Finding the perfect wedding dress, an anniversary present you know your partner will love, or securing an ideal venue can make all the planning and organisation worth it. However sometimes, no matter how organised we are or how detailed the plans, unexpected expenses can arise and take us by surprise. With a special occasion loan from Auckland Loans, you can help keep everything on track and make your dreams a reality. Special Occasions Finance – Apply Online With competitive interest rates, flexible terms and payments to suit your pocket an Auckland Loans Special Occasion personal loan can help see you right whatever you’re faced with. To make your special occasion happen – all you have to do is apply online. Apply Today Quick Questions How much will the interest rate be? That all depends on your overall circumstances, if you’ve got good credit your rate will be lower than someone with good credit for example. Is this fully online? The online application process is, but of course, a human does get involved at our end, call us old-fashioned. You’ll be assigned your very own consultant who will go through your loan application with you and obtain your ID and other information. You can also email your recent bank statements if you have them, alternatively, we can send you a link to download and send your statements directly to us. Who will see my application? We treat your application confidentially and the only people who will see your application will be your Auckland Loans Consultant, their Manager and any Finance Company that we send it to. All applications that do not proceed are securely destroyed. ### Caravan Loan Options Vehicle & Caravan Loan Options We can finance you with a caravan loan, we do caravan loans New Zealand wide for all types of recreational vehicles that also include RVs, motor homes and camper trailers. So if you want a better outdoor living camping experience, a caravan loan from Auckland Loans might just do the trick. In fact you could live in yours, this is becoming popular with the ever increasing cost of housing in New Zealand.  Or you could set the 'teenager' up out on the back yard, so they have their 'independence'.  In fact we did a loan recently for a husband and wife team who wanted a 'cheaper' alternative for a new room on their property separate from the home to act as an office for a start-up business.  The bonus is they can hitch it up on the tow-bar and take it camping too. So whatever your individual requirements, our process ensures that if you have clean credit, this can be done in as little as an hour.  Bad credit is usually okay too, just requires a little more work at our end to try and secure you the finance. Securing finance with one of our caravan loans before you go looking for one ensures you'll get a better deal with the seller - cash in hand talks a lot as you know. What will it cost? If you are looking for a fast solution to get your caravan loan approved, backed by a team that will do everything to help you secure the fiance, then Auckland Loans is your lending partner. ​Use our simple loan repayment calculator to find out what your repayments could be. APPLY HERE If you already have a caravan loan or other vehicle loan which you feel you're paying too much, give us a call and we can have a look to see if there's any room for savings. Our familiarity with financiers early settlement fees mean we can accommodate for just about every cost in a refinance - not just the potential interest savings.  Talk to us today. ### New Zealand Loans - Nationwide Nationwide - New Zealand Loans We don't just look after Aucklanders, we provide loans to people all over New Zealand, we're a true nationwide service. With our online application form, you can apply for a personal loan in less than five minutes.  Any supporting documentation can be emailed to us in PDF format (even fax).  So apply online and be one of the hundreds of people we will help out this month. Auckland Loans, providing loans Nationwide for all people in New Zealand. APPLY HERE NZ Finance Vehicle finance Emergency loans Bond and moving house loans Funeral contributions Home improvements and DIY loans Money to help out a friend or family member Small business top-ups Education loans for courses Holiday time out loans Debt consolidation loans – Very Popular!!! Wedding finance etc ### Moving Expenses Need some Cash for Moving Expenses? Are you moving house or flat and need some extra cash to make the move easier? When you’re moving houses there’s a number of different expenses that need to be accounted for. All up, moving home can be quite an expensive exercise, so that's where our Moving Expenses Loans come in, and they are easy to apply for online. Use the money to pay for: Movers Bond if renting and rent in advance New appliances to fit new spaces Rugs, door stoppers, heaters and the like Other moving expenses etc Apply Today Handy Checklist When Moving Remember to cancel: Newspaper and/or milk delivery. Telephone, internet and cable TV. Gas, water and electricity (arrange a final meter reading).  Organise for moving day: Obtain supply of boxes (your local supermarket can be one supplier). Get packaging tape and heavy marker pens. Arrange for furniture removal (get quote, confirm time). Arrange care of your children on moving day. Make suitable arrangements for any pets. Arrange transit insurance and contents and fire insurance for your new home. Notify your change of address to: Bank, credit card and charge card companies. Post office for redirection of mail. Elections Registrar. Registrar of motor vehicles and drivers license. Tax department. Insurance companies. Hire purchase or finance companies. Investment companies. Local council. Clubs and organisations. Police (if you own and store firearms). Friends and relatives. Magazine subscriptions. Doctor, dentist, accountant, lawyer. Don’t forget: Clean the stove and defrost the fridge/freezer. Tidy the yard. Disconnect all appliances. Disconnect the TV aerial. Return any borrowed items. Throw out items that you don’t intend taking with you. List valuable items for special care when moving. Advise removal company of dangerous goods being moved (i.e. ammunition, petrol, spirits, chemicals). Securely pack all jewellery, money, special documents and papers (i.e. legal, tax, insurance etc). Set aside items you will need on the day of the move so you can take them with you (i.e. food, drinks, cleaning products). Pack each room leaving the boxes stacked and labelled with the room they are to be moved to. It is a good idea to write on each box a list of its general content. Clearly label boxes containing breakables as ‘Fragile’ and identify these items to the removal people. Pot and pack away plants and cuttings you are taking with you. Explain your packing procedure to the removal people and be at your new home when they arrive. Do not: Put breakables or liquid filled containers in drawers. Overload drawers and make furniture too heavy to shift (too much weight can damage furniture). Move netting, barbed wire, timber, wood, coal etc without special arrangements being made. Store perishable goods where they might be overlooked. Make arrangements to: Enrol children in new school. Coordinate the forwarding of any files from the children’s previous school to their new one. Organise for your new home: Newspaper delivery. Telephone. Internet and cable TV connection. Gas, electricity and water. The week before moving: Remind and confirm dates/times/locations for the removal company. Say goodbye to neighbours One last check: Nothing left behind? No clothes at the dry cleaners? No gear stored away from your property? Electricity, gas and telephone disconnected? Water turned off and no taps left running? Windows and doors latched? Keys with solicitor (if appropriate)? After it’s all over: Have spare keys cut. Make an insurance claim if any damage has occurred during the move. Teach children how to get to their new school. ### How's Your Deck - DIY Loans How's your Deck? How's the backyard looking? Does it measure up to your mates? Perhaps it's time for some good old fashioned DIY, especially considering we're just about into Spring once again. With one of our DIY loans you could: Build a new deck Install a great Spa Attend to that landscaping Get an awesome BBQ and setting Develop the man cave Replace the fence Pave/concrete the driveway Build out the pergola / awnings New garage/shed And of course, pay for the tradies to do it! What about indoors Kitchen upgrade New bathroom Create an extra bedroom or study Pop-up It all adds value to your property so enhancing it is a good investment. With a DIY Loan from Auckland Loans, we'll see you right. Apply online in less than five minutes: Apply Now Excerpt: How's the backyard looking? Does it measure up to your mates? Perhaps it's time for some good old fashioned DIY, especially considering we're just about into Spring once again. ### Spring Finance Cleaning Spring is in the air It's Spring, what a great time to get your finances sorted. If you've got a pile of debt that needs to be wrapped up into an easy payment in line with your pay cycle then talk to us today. And as it's the start of the month and the new season, so the timing couldn't be better. Apart from debt consolidation loans, these are typically some of the things we can also help you with: IRD tax debts weddings vehicle loans student loans moving/relocating loans special occasions home improvements property loans (mortgage financing) medical expenses holiday loans funerals paying back friends/family loans pet bills other emergencies small business funding So if it's a debt consolidation loan for a Spring Clean or any other financial requirement, we're only a five-minute application form away. Whatever you need, we're here to help - apply online and let's see what we can do for you! Apply Today Excerpt: It's Spring, what a great time to get your finances sorted. If you've got a pile of debt that needs to be wrapped up into an easy payment in line with your pay cycle then talk to us today. ### $5,000 Personal Loans Quick and Easy Loans Our most popular loan is for around $5,000 at about $55 per week pay-back depending on individual circumstances, i.e. credit score and the like.  NB, we can help you if you have bad credit. This is a great amount for consolidating debt, jumping into a new set of wheels or being cash ready for other large purchases. In fact a $5,000 loan from only $55 per week is a way to get the finance you need without over stretching too far. $5,000 Loan Example – How Much Can I Borrow Your interest rate say on a $5,000 loan depends on the amount borrowed, your personal circumstances and credit history. The interest rate and repayment amount remain the same for the life of the loan. And you can choose a repayment plan that suits you best, with flexible monthly, weekly or fortnightly payment options available – great for varying pay cycles and existing arrangements. At Auckland Loans, we understand the many challenges life can throw your way, so that’s why we’ve worked hard to create a suite of solutions that can help out. With several online calculators available, we’ve made choosing personal loans an easy experience. Our straightforward online application takes less than five minutes - typically we can let you know if you are approved within hours. Why choose Auckland Loans FAST 24 hour approval – apply online, or give us a call on 0800 323 130 Pre-approval – even if you haven’t found the right car yet, you’ll know how much you can borrow Great rates – we offer outstanding rates to people with a good credit rating (or bad) 12-60 month finance terms available – we work within your budget Flexible repayments – weekly, fortnightly or monthly, whatever suits you! What next? Simply apply online and we'll do the rest. Apply Today ### 5 Reasons why Auckland Loans Personal Loans by Auckland Loans 1) Nationwide Service Our name might suggest we're just for people living in Auckland, but this is not the case, in fact, more than 50% of our customers are from different parts of New Zealand. We are truly a Nationwide service. 2) Custom Loan Solutions “No two customers are the same, they all have different needs and circumstances, our personalised service ensures we tailor something for each individual specific to their requirements,” says Auckland Loans founder Murray Greig. Auckland Loans will work with every customer or business to find their best finance option that works in both the short and long term. 3) Repeat Customers A true testament is when your customers trust you enough to use your service again, and even better when they refer their family and friends to us.  This sets us apart from other finance companies, and as a result, our reputation in the market place is five stars and we're truly grateful to our customers for this. 4) We're 100% NZ Owned We've been helping Kiwi's for over 10 years and we're proud to say we're 100% Kiwi owned and operated.  All our staff have years of experience in putting finance packages together for customers with a variety of our lending partners. 5) Respectful Staff Our team come from all walks of life, they themselves have had times in their life where extra cash was needed to fund a new car or do some renovations etc.  They know and understand the needs you have - when you deal with us, you are assigned your very own lending consultant who is just a phone call or email away. Personal Loans As stated above we provide loans to Kiwi's living in Auckland and throughout the country.  So what do you need some finance for? These are typically some of the sorts of things we finance: wedding expenses loans vehicle loans student debts clearance home improvements property loans (mortgage financing) medical expenses holiday loans moving/relocating loans funerals Tax debts paying back friends/family loans darling pet bills other types of emergencies small business loans special occasions And of course our most popular, debt consolidation loans - a must when you want one easy to manage payment each month.  Whatever you need, we're here to help - apply online and let's see what we can do for you! Apply Today ### We're all Kiwi - 100% Kiwi Owned - 100% NZ Proud to be a 100% Kiwi owned company serving all walks of life in this great country. Whilst we're based in Auckland, our loans are for anyone, anywhere in New Zealand. When you need a personal loan, give us a try.  Fast and friendly service. Apply today in less than five minutes with our online application. Apply online now: APPLY Finance for just about anything: any type of vehicle finance student loans home improvements/DIY projects pet bills (emergency vets) medical and dental expenses IRD tax debts paying back friends/family loans holiday loans weddings special occasions moving/relocating loans funerals expenses property loans (mortgage financing) small business funding and more… Whatever you need, we’re here to help – apply online and let’s see what we can do for you! Excerpt: Whilst we're based in Auckland, our loans are for anyone, anywhere in New Zealand. When you need a personal loan, give us a try.  Fast and friendly service. ### Too Much Debt Have You Got Too Much Debt? Why not talk to us about a debt consolidation loan and then your 'too much debt' problems can be put in line. It's so much easier to pay your overall debt off when you've got just one outgoing to pay. Better yet, we can align your repayments with your pay cycle - weekly, fortnightly or monthly. Our online application form usually takes between 4 to 10 minutes to complete We respond instantly on a business day, letting you know if we can help you From there we assign a lender to work with you to produce an offer with a complete picture of your loan - all obligation free If you accept it, you could have the money in your account within hours When it comes to debt consolidation loans, we tailor your loan rate specifically to you by looking at your personal information, credit history and how much you want to borrow. The first step... a few minutes is all you need to complete the loan application. One of our loan consultants will be in touch once we have received your application. If at any point you need assistance, don't hesitate to give us a ring on 0800 323 130. APPLY HERE Le't get rid of the stress Say no to too much debt today, apply now for a debt consolidation loan and take advantage of your flexible loan repayments on your terms - when you take out a debt consolidation loan with Auckland Loans you can pay it back in a way that best suits your financial situation an d budget. Excerpt: Why not talk to us about a debt consolidation loan and then your 'too much debt' problems can be put in line. It's so much easier to pay your overall debt off when you've got just one outgoing to pay. ### DIY Finance Available Now - DIY Finance Got some DIY on the cards but some DIY Finance will be needed? Doing the DIY yourself is a great way to save money and add value to your home - so with our DIY Finance you'll be able to set your budgets and where need be, hire good tradespeople to do the more challenging tasks. Auckland Loans is one of the most experienced and trusted finance brokers in New Zealand, we know exactly who to talk to about sourcing the best loan to suit your individual requirements. So you don't have to shop around trying to find the best source of finance and be subject to numerous credit checks and the like. We can help - APPLY ONLINE TODAY in less than five minutes. DIY Finance for Around the Home You can use our DIY finance for many purposes, whether it’s a standard DIY job, small renovation or BIG undertaking, Auckland Loans is here to help you get it sorted. Typical DIY finance can be used for: A new kitchen New bathroom Add-ons, pop-ups Mezzanine flooring to create more space Roof reparis or replacement Heating, insulation and double glazing Plus much more... Auckland Loans, providing renovation and DIY Finance for projects. APPLY HERE ### Easy Loans - Personal Loans Grab one of our Easy Loans today At Auckland Loans we try to make our loan application process as easy as possible - that's why we call them 'Easy Loans'. Our online application form can be completed in less than five minutes. Easy Loan Steps Apply online Processing Paid to your account Easy Loans as easy as 1, 2, 3... We gather some preliminary information from you online, then if we need anything else one of our dedicated loan consultants will touch base with you. Most easy loans from start to finish are paid out within 24 hours.  Our staff start early to process any loans received overnight. For example, if you applied online at 10:46pm, that application would be in a first in, first served queue - it would generally be processed just after 8:00am on the next business day.  If all in order, money could then be in your account two to three hours later depending on how you bank processes inwards deposits. So whatever you need your finance for, we're here to help. Easy Loans - APPLY ### Vehicle Finance Loans Cars & Vehicle Finance Loans So you need a car, but the finances are a bit low - well that's where we come in, we do a lot of Vehicle Finance around Auckland and throughout the country. Shop like a cash buyer. Get conditionally approved, so you know in advance how much you can afford to spend. When you find the vehicle that suits you and the sale is complete, we can help you pay the seller direct. Benefits of an Auckland Loans, Car or Vehicle Finance Loans Competitive interest rates Up to 100% finance for new and used cars Same day approvals available for applications made during business hours, Monday to Friday - if you've supplied all the information we've asked for. Simple online application process Flexible loan terms up to 5 years Really simple - unlike credit card bills, you’ll know how much you need to repay and when. We have a range of interest rates and the actual rate charged will depend on factors including the amount of money borrowed, the term of the loan, size of deposit if any and credit history. Find out more about our rates and fees. So to get in a new set of wheels this week, all you have to do is apply online in less than five minutes and we'll contact you. APPLY HERE Get in the driver's seat now! Apply now for one of our car or vehicle finance loans today. Unsecured personal loans If you qualify for an unsecured loan with us, you do not need to provide any collateral or security for a loan. Typically, this means that the amount you can borrow is less and the interest rate charged is slighter higher than a secured loan. Secured personal loans A secured loan is where you provide security for the loan, like a vehicle. Doing this helps you to borrow a larger amount and reduce the interest rate. Our current interest rates range from 13.95% APR (Annual Percentage Rate) to a maximum APR (Annual Percentage Rate) of 29.95%. The rate offered will depend upon your credit history, security offered and your overall credit profile, all rates are fixed for the term of the agreement. A typical* example of a $3,000 loan through Auckland Loans would be as follows: Loan Amount $3,000 Establishment Fee $295 Weekly Admin Fee $3.46 Payments over 24 months @ 13.95%, $39 per week Total cost payable over 24 Months $4154.88 *We do not offer short term loans, all Auckland Loans loans are for terms of six months to five years. ### Personal Loans for anything... Anything You Want :) With an Auckland Loans, personal loan just about anything is within your reach. It might be a new set of wheels, a family holiday, dental bill, vet bill, home renovations, urgent repairs ... whatever you need, we can help. With competitive interest rates, flexible terms and payments to suit your budget. You can choose from secured and unsecured loans at an affordable interest rate. Most applications are processed the same day (Monday to Friday) with many being paid to a bank account within hours.  Apply on a weekend and your application will be processed first thing Monday morning. Grab a personal loan for: a vehicle purchase (car loans our specialty) holiday loans debt consolidation dental loans - smile :) vet bills home renovations home mortgages car repairs etc Apply online in less than five minutes: Apply Now Unsecured personal loans If you qualify for an unsecured loan with us, you do not need to provide any collateral or security for a loan. Typically, this means that the amount you can borrow is less and the interest rate charged is slighter higher than a secured loan. Secured personal loans A secured loan is where you provide security for the loan, like a vehicle. Doing this helps you to borrow a larger amount and reduce the interest rate. Our current interest rates range from 13.95% APR (Annual Percentage Rate) to a maximum APR (Annual Percentage Rate) of 29.95%. The rate offered will depend upon your credit history, security offered and your overall credit profile, all rates are fixed for the term of the agreement. A typical* example of a $3,000 loan through Auckland Loans would be as follows: Loan Amount $3,000 Establishment Fee $295 Weekly Admin Fee $3.46 Payments over 24 months @ 13.95%, $39 per week Total cost payable over 24 Months $4154.88 *We do not offer short term loans, all Auckland Loans loans are for terms of six months to five years. ### Bad Credit Options Personal Loans with Bad Credit Bad credit is something that becomes attached to you (quite literally) if you have defaulted on your financial obligations or loan repayments in the past. Typically, a repayment left unpaid for more than 60 days is considered a default. Depending on the details of the organisation where you obtained the credit facility, if they list or report you to one of the credit reporting agencies they use, this can and will affect your ability to obtain credit and finance in the future. If you currently have bad credit, our personal loans service could help you turn it around. As you know it can be difficult to convince a bank or other credit provider to loan you money or finance goods when you have a low credit score, so paying off a loan with us can actually help you improve your credit profile. How do credit inquiries affect credit? Every time you apply for a credit product, like a credit card, charge card or loan, a credit inquiry is recorded on your credit profile for a term of five years. These remain on your file whether you are rejected or accepted. This means that other companies will see all the credit inquiries over a short time as likely evidence that you have applied for credit and they have been declined – if they haven’t been declined, it may still harm your chances for getting finance, as providers will assume that if you are paying off the products indicated by the credit inquiries on your file, you will be less able to pay back what they lend themselves. This is why it’s important to only apply for credit or loans when you really need it – applying too often, whether successful or not, can make your credit situation look worse. Are there options? Everyone deserves a second chance. Talk to us about taking out a bad credit loan to start improving your credit profile. To help you know what you can apply for, we have created the guide below. Please read this before making an application. It is worth applying for an unsecured loan if your bad credit is limited to: No more than one default to a finance company or bank, which is paid off No more than two small unpaid defaults to any other company It is worth applying for a secured personal loan if your bad credit is limited to: No more than one default to a finance company or bank, that you are currently paying off No more than two small unpaid defaults to any other company; and You own a car or a home Unfortunately, we do not have the resources to help you if you are: Currently bankrupt Currently under a No Asset Procedure So if you think you meet our criteria and need a loan, all you have to do is apply online in less than five minutes and we'll contact you. APPLY HERE So what’s on my credit report? What are credit reports? A credit report includes any payment defaults recorded against your name. A default is where a payment has been overdue for more than 30 days, and the lender has taken steps to recover the outstanding amount. A default can stay on your credit record for five years, even after you have paid the amount in full. A credit file can also show how much you’ve borrowed and whether you are making regular repayments (such as credit card, hire purchase, car finance and mortgage repayments) on time. Payment of power and phone bills may also be included in your file. So the more repayments you make on-time, the cleaner your credit report is. Who holds my credit details? The following credit reporters operate in New Zealand: Equifax illion Centrix To correct or freeze information on a credit report, make sure to contact all three. How do I check my credit rating? Everyone has a legal right to request information held about us by a credit reporter – at no cost. ### Fast Approval Loans Fast money, fast loans When we need money for something, we need to know that the online application for a personal loan will be subject to a 'fast approval' process. At Auckland Loans we pride ourselves for having some great processes in place to achieve this. As soon as a loan application comes through our system, it is immediately sent through to an available loan consultant. They will complete a checklist and contact you further with more information or request further details. So when we say 'fast approval', we mean it. Say your application was received at 10:00am, we'd typically be able to respond within just a few hours.  If it's all in order and accepted as is, you'd have the money paid to your account the same day - fortunately most banks can have funds available to a recipients account very quickly. All you have to do is apply online today for the finance you need. Apply Now What some of our customers say "Thank you so much - I've got my car fixed to get to work.  You guys are incredible" - Maxine K. "An easy application form that I completed on my phone.  Couldn't be easier" - John T. "You guys rock, I am so grateful for your help.  My mums tangi was beautiful and just the way she would have liked it. Miriama A. Frequently Asked Questions Of course with any fast approval loan application, you may have some questions. On our FAQ's page, you can get answers to the following: What do I need to send to you? How do I get my information to you? What happens once I have completed the Application? You have approved my loan, what happens now? What happens once I have signed everything? What if I have a poor credit rating or defaults? Who will see my application? How do I get my information to you? I can’t find the answer to my query? Excerpt: When we need money for something, we need to know that the online application for a personal loan will be subject to a 'fast approval' process. ### How families can thrive on a single income budget Did you know? There are over 200,000 single-parent families in New Zealand, and many more with a stay-at-home parent – plenty are living on a single income! Whether this is just for now or for the long-term, it can be difficult to manage your finances to help your family thrive. But with careful planning and some sacrifice, it is possible. Here are five tips for families living with less money: 1. Track your Expenses - Make a Budget First, make a budget. A budget lets you understand where your money is going, and tracking your expenses is an effective way to make sure you’re sticking to your budget. The 50/20/30 budget rule is a good place to start. 50% of your earnings should be spent on your needs and obligations, such as rent and bills. 30% of your income should be allocated to non-essential expenses - anything that you do not need to survive. The final 20% of your earnings should be put towards financial goals, such as paying down your debt and a savings account. This allows you to plan for your family’s future and means you will have some money available when unexpected expenses come up. Writing your expenses down will help you identify if your needs really are needs, or if they can be moved into the ‘wants’ categories. It will also show you exactly where your money goes, and where you need to cut down. This will keep you accountable. 2. Shop around for Better Deals! Don’t be afraid to shop around and switch utility companies. Many of these companies offer temporary discounts for switching and this can be an easy way to save some money on your bills. Just make sure once the discounts run out that you’re not paying more than before. You can also shop around for better deals on your loans too. Combining all your debts into one (debt consolidation) can make your repayments easier to manage and, sometimes, cheaper too. But keep an eye out for early break fees on your loans! 3. Enjoy Free Entertainment Living on a single income does not mean you have to give up those important days of family bonding. There are plenty of options for free family fun: you just have to know where to look. Websites like The Urban List and Eventfinda let you know what’s currently on in your area, and there’s always a plethora of free events that you may not have heard about! If you’re a single income parent, there are some great opportunities to bond in your day-to-day with your kids. Spending quality time doesn’t need to mean going out. Devoting time to family hobbies or home improvements can be just as valuable as family activities. “Spend time, not money” is a good motto to live by. 4. Plan you Meals in Advance Food can be expensive, especially for a family.  Planning your meals can drastically reduce costs, so it’s an easy way for a single-income family to cut down on their spending. When you know what you are going to eat, you’re less likely to impulse-buy takeaways in favour of sticking to your meal plan. Planning similar meals for the week is also a good way to save money. This allows you to buy food products in bulk and use them all up, rather than buying a wide variety of food products. Cutting out junk foods can be a great money saver! You don’t need these foods, and spending your food budget on fruit, veges, meat and fish will benefit your health and your bank balance. However, the aim is to keep your budget liveable as well: the kids might not have an easy time switching to the cheaper (but less junky) foods. Ease them (and yourself) into it. 5. Create an Emergency Fund From the 20% of your income that you are saving, you should allocate some money to an emergency fund. When you are a single income family, you don’t have the safety net that a dual-income family has, so having enough money tucked away in case disaster strikes means you won’t have to worry about not being able to pay your bills. It’s even better if you have two funds: one for one-off unexpected expenses, the other with enough money for 6-12 months’ worth of expenses, just in case the single income drops to no income. If you manage to stick to the tips you will find that, despite missing a few conveniences and the occasional material ‘want’, you can thrive on a single income budget. Also check out our other budgeting article: 6 Key Categories Missing from your Budget ### Ways to Save Money General Savings Tips to Save Money If you're looking for some great ideas to save money, we've put together a few to get you started. They're easy and you'll enjoy the benefits quite quickly. Build an emergency fund. It can make all the difference. Low-income families with at least $500 in an emergency fund are better off financially than moderate-income families with less saved up. Establish your budget. Are you looking for an easy way to begin? On the first day of a new month, get a receipt for everything you purchase. Stack the receipts into categories like restaurants, groceries, and personal care. At the end of the month you will be able to clearly see where your money is going. Budget with cash and envelopes. If you have trouble with overspending, try the envelope budget system where you use a set amount of cash for most spending. And once the cash is gone in each envelope, it's gone. Don't just save money, save. There’s a difference between saving money and saving money for your future. So don’t just spend less, put the money you save into a savings account to plan for large ticket item expenses, retirement, or emergencies that can leave you financially better off. Save automatically. Setting up automatic savings is the easiest and most effective way to save, and it puts extra cash out of sight and out of mind. Every pay day, have your employer deduct a certain amount from your salary or wages and transfer it to a retirement or savings account. Ask your HR representative for more details about how to set this up. Or every month, have your bank or credit union transfer a fixed amount from your main account to a savings or investment account. Aim for short-term savings goals. Make a goal such as setting aside $20 a week or month, rather than a longer term savings goal. People save more successfully when they keep short-term goals in sight. Start saving for your retirement as early as possible. Few people get rich through their wages alone. It's the miracle of compound interest, or earning interest on your interest over many years, that builds wealth. Because time is on their side, the youngest workers are in the best position to save for retirement. Take full advantage of KiwiSaver. Don't miss out on the annual Government Contribution of $521. Save your windfalls and tax refunds. Every time you receive a windfall, such a work bonus, inheritance, contest winnings, or tax refund, put a portion into your savings account. Make a savings plan. Those with a savings plan are twice as likely to save money successfully. Save your loose change. Really! Putting aside just 50¢ over a year will get you 40 percent of the way to a $500 emergency fund. There are plenty of banks and apps that offer programs that round all your purchases to the nearest dollar and put that money into a separate savings account. Use the 24 hour rule. This rules helps avoid purchasing expensive or unnecessary items on impulse. Think over each nonessential purchase for at least 24 hours. This is particularly easy to do while shopping online, because you can add items to your cart or wish list and come back to them a day later. Treat yourself, but use it as an opportunity to save. Match the cost of your nonessential indulgences in savings. So, for example, if you splurge on a smoothie while out running errands, put the same amount into your savings account. And think of it this way, if you can't afford to save the matching amount, you can't afford the treat either. Calculate purchases by hours worked instead of cost. Take the amount of the item you're considering purchasing and divide it by your hourly wage. If it’s a $80 pair of shoes and you make $20 an hour, ask yourself if those shoes are really worth four long hours of work. Unsubscribe. Avoid temptation by unsubscribing from marketing emails to the stores you spend the most money at. By law, each email is required to have an unsubscribe link, usually at the bottom of the email. Place a savings reminder on your cards. Remind yourself to think through every purchase by covering your card with a 'save money' savings message, such as "Do I really need this?" Using a permanent marker is the best option. ### Midweek Finance Sort your Finances during Lockdown Are your bills piling up? Will it be time for a holiday when the lockdown is over? Does your car need an upgrade? Vet or dental bill coming up shortly? Grab a quick personal loan from the team at Auckland Loans – friendly, fast and efficient – we make finance easy! * Finance for just about anything * Flexible terms * Great rates * 5-minute application form Apply online fast and easy, once approved the funds will be paid to your nominated account the same day. Auckland Loans – helping you get ahead with great loans – Apply Today! APPLY HERE TODAY! Frequently Asked Questions Of course, with any personal loan application, you may have some questions. On our FAQ’s page, you can get answers to the following: What do I need to send to you? How do I get my information to you? What happens once I have completed the Application? You have approved my loan, what happens now? What happens once I have signed everything? What if I have a poor credit rating or defaults? Who will see my application? How do I get my information to you? I can’t find the answer to my query? ### Get you finances sorted this Monday Monday is a great day to… It’s the start of the week and you're probably stuck at home during COVID-19 so why not get sorted with your finances once and for all. Debt that keeps hanging around bad smell holds you back – it’s time to take charge of your finances with a debt-consolidation loan and get yourself back on track. If you’re struggling with credit card debt and other debts, why not free yourself and apply for a debt consolidation loan.  You can wrap up your credit cards and other debts all into one easy to manage ‘get sorted’ payment. Our loan application process is quick and easy – around three to five minutes to complete an application online, backed up by a dedicated customer service team that helps hundreds of people just like you each and every month. $5,000 to $30,000, in fact however much you need – if you are in stable employment we can help with a debt consolidation loan that can fit your individual circumstances and affordability. APPLY HERE TODAY! Benefits of a Monday Consolidation Loan The most common reason that people consolidate debt is to reduce their overall interest costs and payment amounts. The typical benefits of debt consolidation can include: A reduced repayment amount overall Lower interest rate on repayments overall Only one creditor (payee) Reduced fees and charges An opportunity to get sorted and be in control of your debts* Extended repayment period – up to five years Eligibility 18 years or over NZ resident (citizen/permanent residency) Be earning, employment or self-employed *NB, at Auckland Loans we take our role as a personal lender seriously. When you take out a debt consolidation loan through us, we will encourage you to close down your credit card and charge card facilities, not just pay those balances off. A debt consolidation loan is a real opportunity for you to get sorted and back on track.  Being constantly in debt is not in your best interest long term – it’s great for the banks and those charge card trap providers but not you! Get Sorted Bonus We’ve found some great budget templates to help you get sorted on Google Spreadsheets – try them out here. ### Did the Bank say no? Fortunately, we're Not a Bank Often honest hardworking people don’t fit the bank criteria or what you could say is their perfect little 'client' model. The average bank today isn’t really there to help out unless you own property or earn stacks of money, sadly, they are still stuck in the past.  Besides, if you earned a pile of money you probably wouldn’t need a personal loan now, would you? Here at Auckland Loans, we know the average person is just trying to get ahead and build a better future for themselves.  This could be you, and so, if the bank, and their ‘bank criteria’ said no to your personal loan needs, talk to us to help get you to the next step in life. As we're not a bank in any way shape or form, and we don’t have the strict ‘bank criteria’ they have.  We actually take the time to access your situation properly and find a financial solution to best suit your needs and at the best finance rate, we can get you in the marketplace. APPLY HERE TODAY! Bank Criteria – Nope, we don’t do that! We know that no two customers are the same, and neither is their finance needs. Whatever your personal requirements are, we most likely can help you – we normally just need confirmation that you’ve got regular income in place to service a loan.  And sure, you may have some bad credit, so tell us what it is and together we may be able to find the solution that’ll work. Start here by applying online, or click the button above. ### Personal Loan Guide Thinking About A Personal Loan? Applying or thinking about applying for a personal loan for the first time? Before you get started, get to know more about the requirements, options, and process of a personal loan that will help you make the right decision. CONTENTS 1. What is a personal loan? 2. Where can I get a personal loan? 3. How do I repay a personal loan? 1) WHAT IS A PERSONAL LOAN? A personal loan is money that you borrow from a lender, then pay back with interest over a period of time. This can be anything between 6 months to several years. You can then use this money for nearly anything: buying a car, funding a wedding, going on holiday, even as a deposit for a larger loan. The different types of personal loan There are lots of options with personal loans. Here are just a few of the terms you’ll encounter and what they mean: Secured or unsecured. A secured personal loan includes security: a valuable item that it is ‘secured against’. Should someone be unable to make repayments on a secured personal loan, the lender is able to repossess the valuable item instead. Examples include a car or property. Debt consolidation. Personal loans are sometimes used to pay off lots of other loans, like credit cards or other smaller debts. This reduces the repayments from lots of smaller ones into one bigger one. You can sometimes even get a better interest rate by consolidating your debt. Short-term or long-term. Short term personal loans usually last for 6 months to a year. Long term loans can last for 5 years. Generally, the longer the term is, the more interest you will pay. But this depends significantly on your interest rate too. How much you can borrow on a personal loan Every lender has different amounts you can borrow. We can provide personal loans between $1,000 to $100,000. ASB and other banks, meanwhile, have a minimum of $2,000 and no set maximum. This does not mean you can always get the maximum, however. Your personal circumstances will change how much you can borrow. This may include: Your income Your borrowing history Your living situation Your current employment Your credit score Having a cosigner, a guarantor, or providing security for a personal loan will usually increase the amount you will be able to borrow. For amounts smaller than $1,000, there may be other options for borrowing, such as the use of a credit card. How much will my personal loan cost? The cost of a personal loan depends on several factors: The interest rate. The interest rate on a personal loan determines how much extra you pay on top of the amount you borrowed. The higher the interest rate, the higher your repayments will be, and the more you’ll have to pay by the time the loan finishes. You can calculate the exact amount with Sorted’s loan calculator and you can compare interest rates on interest.co.nz. Establishment fees. There are costs when you first set up a personal loan. This can be up to a few hundred dollars and will sometimes be added to the loan total. Administration fees. This is a small (usually ~$10) monthly fee used to cover the administration of a loan and processing fees. Not every lender charges this. Broker fee. If you went through a broker to get your loan, you may be charged a broker fee. Default interest rate. If you don’t pay one of your repayments in full, the amount you are charged in interest may be increased for that repayment. Security registration. If you are using security, you may be charged a small one-off security registration fee. If you end a loan earlier than planned, there may also be an early repayment or ‘break’ fee. This can be up to a few hundred dollars. This is especially important to remember if you are consolidating debt. 2) WHERE CAN I GET A PERSONAL LOAN? You can get a personal loan from a variety of places, including: Banks. Banks like ASB, ANZ, Westpac, BNZ, Westpac and others provide a lot of personal loans. They will typically expect a good credit score, a strong financial history, and good repayment behaviour. They will also typically have lower interest rates than other options. Non-banks & finance companies. If you can’t meet the requirements of the banks, non-banks are usually the next choice. The finance companies we deal with are non-bank lenders. Non-banks usually have more loose lending criteria, allowing people who are self-employed or have bad credit to get a personal loan more easily. Brokers. Brokers like us, don’t give out loans ourselves. Instead, we find appropriate lenders for a borrower’s needs. This could include a bank, a non-bank, a finance company, a credit union, or any other kind of lender. Typically, we take a commission from the lender they connect the borrower to. They are a good choice if you have difficulty finding a personal loan and need some help. Peer-to-peer lenders. Peer to peer lenders are newcomers to the lending world. They connect regular Kiwis who want to borrow to other regular Kiwis who want to lend, typically through an app. You can get a wide variety of loans this way, including personal loans. There is no best overall way to get a personal loan, and every borrower will have different circumstances that may make one lending option more suitable than another. How do I apply for a personal loan? You can apply for a personal loan either in person through your lender or, more commonly, online.  Our application page is here or click the button below. Apply Here For your application, you will be asked for the purpose of the loan and a series of personal details, including but not limited to: Name Age Gender Contact details Residential details Employment Income This information is used to identify you, keep your loan secure, and to help the lender determine if they will lend to you, and how much for. Responsible lenders are held to high standards of care and must do all they can to ensure you won’t be unduly stressed by your loan repayments. As part of your application, your credit history will be checked and your credit report will be evaluated. If approved, you will also be asked to sign some documentation with your lender and provide proof of ID: a passport or driver’s license, typically. If you aren’t approved, remember that every lender has different criteria for who they lend to. You can still go to another lender that may be more suitable for your level of income or risk. If you tried a bank, try a non-bank lender instead. A broker will also be able to help you find the right option. 3) HOW DO I REPAY A PERSONAL LOAN? A personal loan is repaid on a weekly, fortnightly or monthly basis, usually via direct banking. You can do this manually or through an automatic payment. This is arranged during the application process. Each repayment includes paying back some of the principal (the initial amount you borrowed) and the interest. You can make extra or early repayments on some personal loans. This is a great way to repay your loan faster and pay less interest in the long run. However, some lenders will have break fees or early repayment fees. Make sure to ask about this before signing on the dotted line. What happens if I can’t make a repayment on a personal loan? Not making a repayment is known as a “default” and comes with extra fees and/or interest, depending on your lender. These fees are usually a proportion of the repayment you missed e.g. an extra 20% interest on top of your usual rate on the amount overdue. If you keep missing repayments, accounts can be sent to collections agents and any assets the loan is secured against may be repossessed. But there are a lot of things that happen before then! If you’re worried you won’t be able to make a repayment (or you’ve already missed one), you should get in touch with your lender as soon as possible and come to an alternative arrangement. If you do this, you may find your lender can stop additional fees being charged, and you can organise a way for the repayments to be made in a way that suits you. At the end of the day, lenders don’t want to repossess assets. They aren’t in the business of secondhand vehicles. They’re in the business of lending, and they want to work with you to ensure your repayments are manageable and realistic. Want to begin your personal loan application with Auckland Loans? Get started here. Get Started Here Personal Loan Guide source ### What’s on in Auckland for Kids Auckland for Kids Check out this awesome resource Auckland for Kids we found online: www.aucklandforkids.co.nz. Auckland for Kids is a social enterprise that provides information for families to explore the best of Auckland and beyond.  Have a look at their popular What’s on this weekend guide, School Holiday Programmes for Auckland kids, Afterschool Classes and Activities, Playgrounds and Parks to explore,  Auckland kid-friendly exhibitions and theatre guides and more. They only publish events, which they think that parents would be happy driving across Auckland to take their children to and they would enjoy them. Soooooo many activities :) ### Debt Traps - Credit Cards, Charge Cards Debt Worry, by Debt Traps Did you sign up for one of those, 'great at the time', credit facilities, branded with a diamond-like emblem or the other, with a quirky letter of the alphabet in front? We can't mention names - they don't like us helping their clients pay off those high-interest debt traps they set.  At 25.99% interest, seriously that's just extortion. You of course, know they are traps too, and it feels like you'll be paying them off forever.  That's how they designed the traps (they call them products). Well, all is not in despair - we'll help you with a debt consolidation loan so you can get away from those debt traps.  Even if you've got both of them and a few other annoying debts outstanding. Our debt consolidation loans will free you. Apply online now: APPLY Easy Loan Finance Steps Work out how much you need. Then apply online We process the loan – we’ll come back to you what anything else we need Funds are paid to your account Easy Loan Finance as easy as 1, 2, 3… 4. In the first instance when you complete the online application form, we gather some preliminary information from you, then if we need anything else one of our dedicated loan consultants will touch base with you. Most easy loan finance applications start to finish are paid out within 24 hours.  Our staff starts early on business days to process loans received overnight. Yes, our site is open 24/7. To get an Auckland Loans personal loan you’ll need to meet our simple lending criteria, including: Be at least 18 years old. Receiving a regular income. Having enough money left over at the end of the month, after your expenses are paid, to meet your loan repayments. Being a New Zealand citizen, permanent resident or if you’re a non-resident, have more than one year left on your work visa. Credit, lending criteria, terms and conditions apply. ### Funeral loans Funeral Loans & Finance The loss of someone is typically sudden, emotional and often ends up being expensive. At such a difficult time, the last thing the family left behind needs to be doing is worrying about funeral expenses.  Funerals have a variety of expenses like a casket, that actual burial or cremation, family flights, catering and more.  We've posted a Consumer Magazine article below that may guide you to help to reduce some of the costs involved. With Funeral Loans from Auckland Loans, we can help you during such a sad time. We'll process your application within hours and arrange payment directly to you to cover the costs. Apply online in less than five minutes. Apply Now Dying can be an expensive business. On average, the cost of a funeral is about $10,000. But you can find yourself facing double that. A sizeable chunk of a funeral bill is likely to be “professional services”. This is a catch-all fee charged by funeral directors that can include anything from filing paperwork to using the funeral home itself. Other big items typically include burial plot fees and the cost of the coffin. Embalming, memorial programmes, hearse hire, catering and flowers also add to the price. Choose what’s right for you with confidence Join today and get instant access to all test results and research. Most of us turn to a funeral director to sort out arrangements for a relative’s final farewell. Professional assistance can be helpful but you can minimise costs by taking on some tasks yourself. It’s up to you how involved you want a funeral director to be, if at all. There’s no legal requirement to use one. Burial vs cremation costs Whether you opt for burial or cremation will have a significant impact on price. If the “six feet under” approach appeals, you will need to pay for a burial plot, memorial markers and the process of interring the body. Local councils are responsible for setting plot prices. Depending on the area, the price can range from $657 (central Hawke’s Bay) to $6613 (North Shore Memorial Park, Auckland). Unless you’re burying the body on private land – and permission for this can be hard to get – you’ll also need to pay an interment fee. Many councils publish costs online for interment at their cemeteries. Fees range from $319 (Taupo) to $1860 (Auckland). Cremation is usually cheaper than burial. If you’re using a council-owned crematorium, you’ll pay between $525 and $900. Privately owned crematoria can be more expensive, with services costing between $700 and $1100. Ways to cut costs You can’t avoid burial and cremation costs. But you have more choice when it comes to other aspects of a funeral. Coffins and urns: Options range from a simple cardboard coffin (from $350) to a bespoke upholstered model ($5000). If you’re burying the body, you can also wrap it in a shroud instead of using a coffin. A body must be in a coffin when cremated. An urn for storing the ashes can cost up to $500. But you can use any type of container. Most crematoria will provide a basic option. If the body’s being cremated, pacemakers and metal implants must be removed. The intense heat of cremation can cause a pacemaker to explode, while metal implants don’t burn down to ash. Some crematoria can assist you in donating metal joints so they can be recycled. Embalming: On average it costs between $500 and $800 but there’s no legal requirement for embalming. You may want to consider it if there’s a long delay between the death and the funeral or for open-casket viewings. Embalming isn’t permitted at “natural” cemeteries because it uses hazardous substances, such as formaldehyde and paraformaldehyde, to preserve the body. Ceremonies: It’s common practice to have a funeral ceremony but it’s not mandatory. If you chose a ceremony, you can use any venue from a church hall to a community centre or your own home. You can also forego the ceremony. Transport: If you’re transporting a body, you don’t have to pay for a hearse. It’s possible to use other vehicles but the body must be in a coffin or equivalent and you must ensure there’s no leakage, as this is a health hazard. You must also make every effort to preserve the dignity of the deceased. Alternative resting places For those seeking a final resting place beyond the traditional, there are options. You can be buried at sea. You need to apply to the Environmental Protection Authority. There are 5 offshore sites for sea burial in the New Zealand-exclusive economic zone. The permission process usually costs between $200 and $300. Another option is a “natural” burial. Natural cemeteries are planted with trees which grow to create a park. Plots can be more expensive than a standard interment (at Makara Cemetery in Wellington, it costs $1287 for a natural plot vs $935 for a standard plot). Only a handful of councils offer natural burial sites. To find out about your options, contact your local council. The DIY approach You can handle the entire funeral process yourself and potentially save costs. The “person in charge of disposal” of a body has several legal obligations dealing with dignity, classification and hygiene of the deceased. You must get a medical certificate of cause of death (HP4720) or a medical certificate of causes of foetal and neonatal death (HP4721). If you transfer the body from the place of death you will also need to fill out a transfer of charge of body form (BDM39). If you have chosen to cremate the body, you need a certificate of medical practitioner, a permission to cremate form and an application for cremation form. You must register the death with Births, Deaths and Marriages within three days of the cremation or burial of the body. You will need a notification of death for registration form (BDM28) A death certificate can be obtained from Births, Deaths and Marriages New Zealand. There is a $33 fee. Cost confusion Finding out what it will cost for your final send-off is harder than it should be. Many funeral companies don’t publish prices for their services. Some may only provide estimates before the event itself. In 2015, the Law Commission recommended legislation requiring companies to publish price lists and provide itemised costs to consumers before services were delivered. It also recommended regulating funeral directors. While there’s a qualification available – a Diploma in Funeral Directing – having one isn’t compulsory, though it is required for membership of the Funeral Directors Association of New Zealand, the largest industry group. However, legislation to fix the problems identified by the commission is yet to be introduced. Financial assistance There are avenues for financial assistance when someone dies. Work and Income New Zealand offers a grant (up to $2030) for deceased people on low incomes (below $29,000 for single people; figures differ for people in relationships or with children). This money can only be spent on the most necessary parts of the funeral (for example, funeral director’s fees, body disposal and burial plots). If someone dies as a result of an incident covered by ACC, the family can receive up to $6021. Families of murder or manslaughter victims can receive up to $10,000 for funeral or memorial costs. Our advice The funeral business is a business like any other. If you’re using a funeral director, ask for an itemised list of services and costs before signing a contract. Don’t feel pressured to accept an option with which you’re not comfortable. Remember, if a price is referred to as an estimate, it can be increased. But it’s worth challenging an account that is more than 20% above an estimate. Funeral companies also need to be upfront about whether the price is inclusive or exclusive of GST. Article by Robert Kelly ### The New Zealand Tree Register - Auckland Tree Register Did you know there is a Tree Register of notable trees in the country? You can search your area and make a day of it driving around checking them out - the kids will love the adventure.  Or it's a great idea for a date (cheap too). www.notabletrees.org.nz is the web-site where you can search Auckland or wherever you are.  The site give you valuable information about the trees, their age, scientific name etc. Here's our favourite, tree 774 :) Planted in 1883, this large Moreton Bay fig has been a significant feature of Devonport for many years. The image show the great lengths gone to to protect the aerial roots of the tree. If mapping your way through the Tree Register seems like a lot of work, you can make the day a lot easier and start with Albert Park in the city centre then head towards the Auckland Domain.  That's a couple of hours of entertainment right there, plus you can grab a coffee or a bite to eat at numerous cafes in the area. Enjoy :) ### Cars, motorcycles, trucks, vans etc Want a new motor? Need some help to get new wheels? You can tailor a car loan that fits your budget, with fixed interest repayments. Whether it’s finance for your next car, motorcycle, truck, boat, or van, we want to help you with an easy, affordable personal loan for what drives you. Talk to us today about a new mode of transport that suits your lifestyle or work. Apply Online Car loan financing is really easy with Auckland Loans. Because you can apply online, it’s straightforward and easy. And as soon as you've finished, we'll let you know if your car loan is approved. It's really that simple! What next? Simply apply online and we'll do the rest. Apply Today No Deposit Car  Finance Loans That's right, we can also do no deposit finance - we can make it easier for you to drive away in a new set of wheels.  Flexible interest rates depending on your credit history (bad credit ok too). Grab a car finance loan from us and have the cash ready to go car shopping.  So don't get stuck for transport - talk to Auckland Loans and get moving again :) 5 reasons to choose us for your car loan 24-hour approval – apply online, or give us a call on0800 323 130 Pre-approval – even if you haven’t found the right car yet, you’ll know how much you can borrow Great rates – we offer outstanding rates to people with a good credit rating and may be able to assist those with poor credit 6-60 month finance terms available – we work within your budget Flexible repayments – weekly, fortnightly or monthly, whatever suits you! ### Tough Living in Auckland Higher Costs It can be fairly tough living in Auckland with the higher costs to live in the city compared to the rest of the country. Auckland is an extremely expensive place to live compared to the rest of New Zealand. An average 3-bedroom home at the moment with 1 bathroom has a weekly rent of NZD $550. If you live in our wonderful city and are finding it a bit tough at the moment, talk to us about a personal loan. We can help you catch up on your expenses, buy a new car, pay for moving costs and bond etc. APPLY ONLINE Relocating Auckland is the second most expensive city in the world to relocate to, according to a global study. The study, conducted by furnished apartment search engine Nestpick, looked into the initial costs involved with relocating to 80 of the most in-demand cities around the globe. Costs weighed up included Visa fees, rent, internet, phone, food, and transport for the first month of relocation. The data found that a move to Auckland would cost $5,713.68 for the first month, second only to Dubai ($6,068.64). All up, moving home can be quite an expensive exercise, so that’s where our Moving Expenses Loans come in, and they are easy to apply for online. The Good News A Big Mac won't set you back too much compared to the rest of the world. The kiwis' price their Big Mac at $0.82 less than the United States for example. Other Finance vailable Emergency loan, dental/vet bills New car, motorcycle, scooter – or other transport Debt consolidation loans (our specialty) Holiday, honeymoon or wedding coming up Education loans for better employment opportunities Home Improvements and DIY jobs around the home Funeral expenses, when you need to contribute None of our business finance…  That’s right, as long as you can pay the loan back, we don’t really need to know what you need the cash for, i.e. a cosmetic procedure for example, well that’s kind of private for sure 🙂 Apply Today – our online loan application seriously takes less than five minutes. APPLY ONLINE ### Time for a Holiday Let's Getaway – it’s time for a holiday! Time for a holiday alright, it's too hot this summer to stay in New Zealand - is it time you went somewhere a bit cooler? Haha, just kidding, although there are a few places out there with white sand beaches and clear blue water to swim in... If you like the sound of that, we can finance the whole trip: flights accommodation travel insurance vehicle rentals spending money So pack your bags and apply online today in less than five minutes! Most of our holiday loans are processed the same day and with Internet banking being so efficient as it is, many of our clients receive their funds within just a few hours after applying. Apply Now Time for a Holiday – 5 Tips to Beat Jet Lag Sure it’s time for a holiday, but the last thing in the world you need is Jet Lag. Jet lag can be a real downer, especially when you find yourself groggy and out-of-sync with the local culture. With a little preparation and self-discipline, you can ensure you arrive at your destination feeling refreshed and ready for your new adventure. Start Well-Rested Lack of sleep in addition to time zone changes will almost always result in a lethargic first couple of days in your new travel destination. Don’t make the mistake of thinking you will sleep on the plane — it rarely ever happens! Skip any departure parties the night before so you can put your best foot forward right off the plane. Eat & Drink Healthy Rule #1: Refrain from in-flight drinks. These may be tempting – especially if you’re trying to wind down and rest – but high altitudes can increase the effects of alcohol by 2-3 times. There’s no need to throw your body more off-balance than it already will be after you land. Rule #2: Only drink caffeine on or before a flight if you are traveling west. Scientists have found that espresso before a flight traveling westward may actually combat jet lag, but will have the opposite effect when traveling east. Rule #3: Do your best to eat healthy before and during your flight. You may not be offered the best selection of food on the plane, so pack a large meal to bring with you (just forgo any liquids or sauces!). Keep some homemade or healthy snacks on your carry-on as well – you don’t want to be tempted by airport fast food during layovers. Rule #4: Make a small grocery store run once you arrive at your new destination to stock up on water and healthy snacks. Keeping healthy snacks and water on hand limits unhealthy food choices that inevitably occur when you’re body is starving. Exercise Before & After Even if it’s just a quick walk in your new destination or a few yoga poses in your hotel room, a little stretching and exercise can go a long way. Getting a little workout in before your flight can relieve any stress or restlessness. Exercising afterward is a great way to wear yourself out so you can get a good night’s rest. While you should stretch your muscles and raise your heart rate before, during, and after your flight, there is an east-or-west rule of thumb that applies to exercise as well: morning workouts will be most beneficial to those flying east, while afternoon or evening workouts would be best for those traveling west. Adjust Your Internal Clock Adjusting your internal clock and sleep cycle is absolutely critical in minimizing jetlag when it’s time for a holiday. Melatonin is a natural alternative to prescription sleep aids that can help you fall asleep earlier in the night, so in the days before – and during – your trip use it to get your sleep schedule on par with your destination country’s. It’s also recommended that you hold off eating during the latter half of your flight, and then enjoy a meal once arriving at the nearest mealtime. Remember, some countries may typically eat meals earlier or later than others, so try to adapt to the local meal schedule accordingly. Stay Hydrated It’s well-known that recycled cabin air is very dehydrating and the WORST for your skin, so make sure to guzzle that water! Keeping lotion and moisturizing lip balm will help combat some of the dryness, but to feel your best you should be drinking about one decent glass of water every hour you’re awake during your flight. If you’re feeling daring, whip out an ultra-hydrating sheet mask and put it on before your in-flight nap; celebrities do it all the time, no one’s judging! TIME FOR A HOLIDAY – ENJOY! ### Chinese New Year 恭喜发财 (gōng xǐ fā cái) wish you wealth and prosperity. Happy Chinese New Year – a year of fortune and luck! Year of the rat 🙂 Spring Festival Chinese New Year officially begins on January 25th, 2020, and ends on February 4th. Lantern Festival Preparations begin the 5th, and the Lantern Festival is held on February 8th. New Year Money If you need some finance to get your 2020 plans in action, simply apply online. Apply online in less than five minutes: Apply Now January 24th: New Year’s Eve (除夕—chúxì) Depending on the moon cycle, New Year’s Eve either lands on the 29th or 30th of the lunar December. Regardless, this day is also known as the 30th of the year (大年三十—dà nián sān shí). Lunar date December 30th (腊月三十—là yuè sān shí) Solar (Gregorian) date January 24th, 2020 Activities & traditions The reunion dinner, the most important meal of the year, takes place on this day. After dinner, the children will receive red envelopes. The family will then stay up late and wait for the New Year (守岁—shǒu suì). Food A feast of everyone’s favorites and specialties. January 25th: Spring Festival (春节—chūn jié) The original name for this day was Yuán Dàn (元旦), with Yuan meaning “the beginning.” However, Yuan Dan is now used to refer to the New Year of the solar calendar. Lunar date January 1st (正月初一—zhēng yuè chū yī) Solar (Gregorian) date January 25th, 2020 Activities & traditions Firecrackers start off a day of greetings and blessings between neighbors. There are no specific activities other than celebrating the New Year. The ancient Chinese record and analyze the weather, stars and moon to predict the fortunes of the year. The practice is known as zhàn suì (占岁). Food In addition to food from last night, people can also celebrate with Tu Su wine (屠苏酒—tú sū jiǔ). Superstitions & beliefs It is forbidden to sweep or clean on this day, else good fortune will be swept away. ### DON'T bank where you’ve got debts Some Good Banking Advice Have you ever wondered why banks are so keen to make sure you've got a credit card as well as traditional transactions/savings accounts and the like? Then there is insurance, they love selling customers that as well. The more products you have with them the better. WARNING - be mindful of the old saying, 'don't have all your eggs in one basket', it can have serious consequences for your financial management. The banks refer to it as ‘ring-fencing’, the more variety of products you have with any given bank, the more likely it is you will think it is all too hard to move to another. What's it called when someone takes cash from your bank account without permission? Most would say it's stealing, but banks call it 'setting-off'. This is a hidden danger for anyone with credit cards, loans or mortgages at the same bank where they save or have regular deposits like wages. Banks can, and do, use your money to repay overdue debts, which can cause financial hell.  It's very dangerous from a consumer point of view, of course, it's in their fine print (credit terms), i.e. if you start to experience difficulties with your credit cards, they can and will take from your savings and the like. What does the right to 'set-off' mean? Most banks have the right to transfer funds from your bank or savings accounts to pay off other debts held with them, such as credit cards or loans. It's known as the right to "'set-off", or to combine accounts. It doesn't happen to most people, but those struggling financially especially when their circumstances change must be wary and prepare. Short Term Solution Put your loans and credit at different financial institutions - this is vital.  Also, if you're a small business starting out, open your business accounts at a different bank to where your personal banking is kept.  But be weary in business as well, the same sort of fine print applies, so perhaps forget the credit card that they will be grinning with joy to provide. Debt Consolidation At Auckland Loans, all we do is personal loans, debt consolidation, holiday loans, wedding loans, home improvement loans etc.  We are specialist loan providers and source funding from a range of quality suppliers to enable us to have exceptional rates.  Talk to us about consolidating all your bank debt (loans and credit cards) into one easy to manage facility. We only do loans If you’re currently considering a personal loan or debt consolidation loan (perhaps in an effort to get away from the bank) – complete our application form to get started. Whatever you need, we're here to help - apply online and let's see what we can do for you! Apply Now ### Marathon Loans Get A Marathon Loan The Auckland Marathon is only a few days away, so we decided to call this post 'Marathon Loans'. If you need a little cash or enough to buy what you need and feed 2,000 marathon runners we can help. An example of $5,000 from only $55 per week is a way to get the finance you need without over-stretching too far. Repayments depend on your individual circumstances – that’s right we tailor each loan to you. What Can I Finance? You can finance just about anything, as long as it's legal and you have the ability to pay it back, we don't mind what you want to do with the money. Our straightforward online application takes less than five minutes - typically we can let you know if you are approved within hours. Why Auckland Loans? Really FAST 24-hour approval – apply online, or give us a call on 0800 323 130 Pre-approval – even if you haven’t found exactly what you need just yet, you’ll know how much you can borrow Great rates – we offer great rates to people with a good credit rating (or bad) 12-60 month finance terms available – we work within your budget Flexible repayments – weekly, fortnightly or monthly, whatever suits you! What next? Simply apply online and we'll do the rest. Apply Today ### Holiday Getaways Relax, enjoy, getaway! Everyone needs a decent holiday. And who says the end of July isn’t Holiday Season… So where are you going to go? It could be the once in a lifetime trip you’ve been fantasizing about that’s been pinned to your desktop for months.  Or the honeymoon you’ve planned to perfection, or a last minute spur of the moment trip to see a friend or relative. Alas however, a holiday rarely comes cheap. With a Getaway Loan from Auckland Loans, you can holiday where you want, when you want, and how you want with ease and with peace of mind knowing you’ve selected a loan tailored to your needs. We’ll do everything we can to make getting away easier, except for packing your bags. With competitive rates and quick approval on your holiday season loan, Auckland Loans is the right choice for you. From your laptop, tablet of phone, you can apply anytime from anywhere. Click the Apply Now button to get started - If approved the funds could be in your account in just a few hours and you'll be on your way. Apply Now Competitive rates Our competitive Getaway Loan rates allow you that little bit extra of spending money in your pocket. Flexible loan options Every traveler is as unique as the holiday they plan, so we offer Getaway Loans to match your needs. Easy online pre-approval Apply for pre-approval for your Getaway Loan in less than five minutes from your smartphone, tablet or desktop. Next business day approval Once your Getaway Loan application is in order, we could approve your loan the next business day. ### Disability Loans Disability Equipment Loans We never think it will happen to us, but heart attacks and strokes happen daily in New Zealand.  Sadly relying on your local DHB to get you fully functional again is a tall order. When the government can't help you or a loved one, leaving you in need of some funding to regain some quality of life following an accident or paralyzing disability like a stroke - we can provide funding for things like: Adjustable beds Wheelchairs Wheelchair ramps Modifying a vehicle etc Life is for living – Apply Online With competitive interest rates, flexible terms and payments to suit any budget, an Auckland Loans Disability Equipment Loan can help you or your family member to have a better quality of life. Our application form is quick and easy and takes around five minutes: apply online. Apply Today Quick Questions How much will the interest rate be? That all depends on your overall circumstances, if you’ve got good credit your rate will be lower than someone with good credit for example. Is this fully online? The online application process is, but of course a human does get involved at our end, call us old-fashioned. You’ll be assigned your very own consultant who will go through your loan application with you and obtain your ID and other information. You can also email your last two months bank statements if you have them, alternatively we can send you a link to download and send your statements directly to us. Who will see my application? We treat your application confidentially and the only people who will see your application will be your Auckland Loans Consultant, their Manager and any Finance Company that we send it to. All applications that do not proceed are securely destroyed. ### Holiday Loans & Tips Holiday Loans & Tips When was the last time you boarded a plane and got away for a break? Perhaps you have family overseas that you haven’t seen you in ages? Whatever travel funding requirement you have – grab a holiday loan from Auckland Loans and go enjoy yourself. Whether you’re going solo on a big overseas adventure, or taking the family away, holiday costs sure do add up, and fast. Flights, accommodation and car rental can be expensive enough, but then is food and vino. Let us finance your trip so you can have the best time so you don't have to slum it.... And of course dealing with airport staff can be stressful too, so below are some carry-on luggage tips for you to try. Get your finance sorted now, apply online for your holiday loan – it takes around 3 minutes – application form. Our web-site is open for online applications 24/7. Click the Apply Now button to get started - If approved the funds could be in your account in just a few hours. Apply Now 10 Smart Things To Pack in Your Carry-On (And One Not To) Packing for a vacation, business trip, or mandatory family visit can seem like solving a jigsaw puzzle. How do you bring everything you need and still abide by the rules? Plus, accidents happen, people lose things, stuff can get stolen—and airport purchases are expensive. Plan ahead by strategically packing these items in your carry-on luggage for happier travels. 1. Collapsible Water Bottle with a Filtering System Airplanes are dry and those little water bottles you get on the plane aren’t enough to keep you hydrated throughout the flight. A collapsible water bottle with a filter can be filled with tap water after going through security, and even when filled, they take up less room than a normal reusable bottle. 2. Daily Medications When packing your medications in your checked luggage, you not only run the risk of it being stolen, but, should your luggage get lost, you’ll also find it’s nearly impossible to get a refill far from home. In addition to your prescription meds, pack any over-the-counter medications you might want during your flight in your carry-on. 3. Phone Charger No matter how great your phone’s battery life is, don’t assume it’s going to have enough juice to get you to your hotel. Keep your charger with you in case your phone needs a quick boost, especially if all the information you need to get from point A to point B is saved in your email inbox. 4. Any Documents You’ll Need Throughout the Trip Of course, keep your wallet, passport, and flight tickets out of your suitcase. Also, if you have physical tickets (for train trips or events such as the ballet or sports), an invitation with an address on it, or any other papers with no digital counterpart, pack those in your carry-on. And it’s a smart idea to print out tickets, directions, and itineraries that you’ve stored on your phone just in case. 5. Any Valuables Airlines and airports are doing more to stop luggage theft, but incidents do still happen. Keep your camera, jewelry, computer, and other luxury or expensive items with you at all times. Even articles of clothing have been stolen out of suitcases, so assume that if you splurged on it, it belongs in your carry-on. 6. Entertainment Unless looking out the window is enough to keep you occupied throughout the flight, bring a book, magazine, game, or other source of amusement. But stay away from the giant hardcovers that will weigh you down; opt instead to stock your e-reader or audiobook library—but bring a magazine for take-off and landing, when all electronics must be stowed under the seat in front of you. 7. A Change of Underwear Keep a change of underwear with you in case your luggage gets lost or you want to freshen up post-flight. 8. Toothbrush, Toothpaste, and Facial Wipes Give your final destination a good first impression by brushing your teeth and washing your face before leaving the airport. Keeping a small selection of toiletries in your carry-on prevents you from having to rummage through your suitcase in public. 9. Location-Appropriate Clothes Heading to the tropics to escape the blistering winter? Pack a change of clothes in your carry-on bag to accommodate the new climate. You don’t want to start your vacation off with heat stroke! 10. A Satisfying Snack The small bag of pretzels and a can of soda handed to you by a friendly flight attendant doesn’t always cut it, so pack your own lunch or snack. As long as it’s wrapped and a non-liquid, it can go through security. Plus, it’s certainly a cheaper alternative to buying a pre-made sandwich at the airport. And One Thing Not To Pack: Your Sweatshirt Airplane cabins are notoriously chilly, so be sure to bring along a cozy sweatshirt or lightweight jacket (and socks!) for your trip, but don’t pack it in your carry-on. Airlines don’t count sweatshirts and jackets as one of your carry-on free bags, so drape them over your arm to save precious real estate in your pack. adapted from source ### Caveat Emptor - Let the buyer beware Let the buyer beware - Caveat Emptor Below is an article that is three years old posted in the Herald.  It's still relevant today about some of the traps associated with these interest free deals out there. In reality, having a fixed term contract where you can't put something else on top of the contract is the best answer when purchasing big ticket items. If you need to buy a larger ticket item, either get a fixed personal loan with your bank (not that we'd recommend a bank) or apply with us, at least then the transaction will eventually come to an end - click the Apply Now button to get started - If approved the funds could be in your account in just a few hours. Apply Now Beware the 'interest-free' trap Hey sucker. Want an interest free deal? It often surprises me that so much of middle New Zealand buys goods and sometimes services on hire purchase (HP) when they really don't need to. It's those little words "interest free" that entice us into the snare in the mistaken belief that these deals are "cost free" or that everyone buys on HP. We've been groomed by big retailers and the finance companies behind them to think like this and buy stuff we don't need or can't afford. Many Kiwis think that buying with interest free deals is a really clever way of managing your money. But behind these deals are finance companies that make money from them. It's not charity. One of the ways finance companies make money on interest free deals is the set-up and annual fees that are loaded in. Consumer NZ found that a $1847 clothes dryer bought on a 48-month interest free deal from Harvey Norman was loaded with $250 in fees. Likewise a $1999 sofa on 36 month interest free actually cost $2207. Consumer concluded that "interest free" often adds 10 per cent to the purchase price of whatever you're buying. There are other 'got you in the goolies' costs such as a Personal Property Securities Register (PPSR) fee and there may be fees for cancellation and refunds. Another thing to watch out for is that prices go up and down. Shops can't by law offer a discount for cash. But they can jack prices back up to offer the highest prices when the best interest free deals are on. Wait, and you might get two or three hundred dollars off that sofa during the sale when the interest free deals are shorter. There are plenty of other little fish-hooks tied to the interest free line that reels you in. One is that monthly minimum payments often don't add up to the entire cost of the item within the interest free period so you're stung with interest at the end of the contract. The finance companies know that many customers will forget this and that's when they start making even more money with very high interest rates indeed. But behind these deals are finance companies that make money from them. It's not charity. What's more, HP is somewhat more complex than it used to be. Instead of signing the paperwork and entering into one transaction when you buy something on tick, you're now given a plastic card, such as Gem Visa or Q Card, which you can use to buy more and more stuff. Next time you want to buy something on HP you just produce the card and hey presto you effectively have another HP under your belt. The trouble is that such cards are designed to keep their human owners perpetually in debt. A friend of mine got one of these cards to pay for expensive dental work and says the hard sell to buy more with the card is "pretty relentless". Each email has her "available credit" at the top and then "deals" for non-essential consumer goods she could spend her money on such as diamond rings. One big problem with card-based HP is it becomes easy to lose track of each individual debt. The fine print for one card I looked at has a descending list of nine different ways in which your payments are allocated to the outstanding debt. The point that got me was that if you want to make a payment to one individual plan, for say the dryer, the money would be credited first to other debts on your account or outstanding fees and then to the highest interest rate debt rather than the one you chose. Then if you accidentally miss a minimum payment one month because you're busy you will be hit with default fees and in some cases penalty interest rates. There could also be repossession and related fees. I noticed in the Gem Visa fine print that if you default on a monthly payment Gem can demand repayment of all your HPs at once and if it does so the interest free periods automatically expire and you start paying interest. Ouch. Leasing, offered by some high street stores is another gotcha. Customers who buy with deals such as Flexirent or EasyLease still make monthly payments. The catch with these deals is that if you fail to act on reminders and don't either cancel the lease at the end of the term, or upgrade to the latest goods you simply keep paying and paying. At least with HP whatever you've bought will be paid off eventually. source ### June Weather - Auckland June is the first month of winter in New Zealand, which is a particularly popular time of year for visitors who want to enjoy snow and ski sports. June brings colder weather to much of the country with more rain for most of the North Island. On both North and South islands, the mountain ranges experience snowfall, providing picture-postcard scenery as well as great skiing opportunities. Needless to say, visitors to New Zealand in June need to pack warm and waterproof clothing – although if luggage space is at premium, ski clothing can usually be hired especially in major skiing centres. If Auckland is one of your destinations during June, pack for its rainy weather. The city receives most of its rain during June, July and August. Temperatures on the South Island are cooler than on the North Island, but as rainfall is less, the clear, crisp days (wonderful with clear, blue skies and winter sunshine) offer the perfect time for visiting the West Coast glaciers, Southern Alps and other areas of particular beauty. Average North Island temperatures during June range from 4-16°C and in the South, between 1-12°C. New Zealand Ski Season The ski season typically runs from June through to late October. June and July offer great powder skiing, whilst August is considered to be one of the best months in which to ski. At the end of June, schools tend to have a two-week break, so if you want quieter slopes plan your trip around this accordingly. Skiing is popular in New Zealand with families as many ski fields offer nursery slopes and coaching for young skiers, as well as adult beginners. North Island Ski Areas Ruapehu Taranaki View more about North Island ski fields South Island Ski Areas Nelson Canterbury Otago Queenstown Wanaka View more about South Island ski fields Alpine weather in June, as at any other time of year, is notoriously unpredictable. To enjoy ski and snowfields safely, always view the latest snow reports for the region you are in. The Hottest Event in Cold Weather! Don't miss the Queenstown Winter Festival (June/July) – 10 action packed days of entertainment, snow sports including ski and snowboarding displays, food, dance, music and Mardi Gras. Weather By Month Our overview of New Zealand's typical weather by month can help you plan your holiday, unmissable highlights for the month (e.g. events and festivals), sightseeing and activities and even your packing. But do be warned – these are not weather forecasts, so expect some of the unexpected during your stay! Spring Weather Summer Weather Autumn Weather Winter Weather September December March June October January April July November February May August Weather in the Major Centres Find out: where to expect 'four seasons in one day', where to find New Zealand's semi-tropical regions, which city is the sunniest, where to experience the most rainfall and discover which city is the country's windiest. North Island Weather and Climate South Island Weather and Climate Auckland Christchurch Bay of Islands Queenstown Rotorua Wellington ### Queen's Birthday weekend in Auckland Queen's Birthday weekend in Auckland: All the events, weather, travel and traffic The long Queen's Birthday weekend will be celebrated with a number of events in Auckland despite some less than ideal weather. It's the second to last long weekend for Kiwis to enjoy this year, the final being Labour Day in late October. In 2009, members of the public rallied behind the idea of Hillary Weekend, in memory of Sir Edmund Hillary, to split the five-month gap between Queen's Birthday and Labour Day weekends. However, the idea never amounted to anything. So plan ahead and make the most of the last long weekend for a while. Here is everything you need to know about the long weekend, from events to weather to traffic. What's On? In the heart of Auckland City, Queen's Wharf will be bustling with markets, food vendors, activities, car displays, performances and a carnival between 10am and 4pm. Crowds will be greeted with an Austin Powers welcome, followed by performances by the Auckland Morris Dancers, puppeteer Jonathon Acorn, Clan Celtica, musical duo Mema and Levi, the Auckland Pipe Band and more. For the kids there will be free face painting, science displays from the Museum of Transport and Technology, animals from Little Bo Peep's Mobile Farm (Monday and Sunday only), an interactive paint wall and free rides on Robbie's Fun Bus. For those wishing to indulge themselves, DeBrett's Kitchen will be hosting a traditional British high tea, with all Her Majesty's favourite treats. The Queen won't be the only one celebrating a birthday this weekend, with the Auckland Harbour Bridge set to sparkle for its 60th. A three- to five-minute Vector Lights show will be running every 30 minutes from 6pm-10pm, May 29 to June 3. The NZTA recommends Northcote's Little Shoal Bay, Bayswater Marina, Devonport's Mt Victoria, the Auckland Waterfront, Herne Bay's Sentinel Beach and Mt Eden as some of the best viewing stations. For sports fanatics, the Champions League Final between the Spurs and Liverpool kicks off at 7am on Sunday. Various bars and clubs in the region are screening the game, including the Occidental Belgian Beer Café in the CBD, the Ellerslie Association Football Club, Mt Albert Ponsonby Association Football Club, The Good Home bar in Onehunga and Stanmore Bay, Lord Kitchener restaurant in Sandringham and The Malt pub in Greenhithe. Check in with your local as reservations may be required. Indoors or Outdoors? Met Service meteorologist Angus Hines said Auckland weather was looking a little rough at first, as June 1 marked the first day of the meteorological winter following a mild and dry autumn. "It seems fair that it's coming in with a bit of a bang," he said. On Saturday, Hines expected strong and cold south westerly winds and frequent showers. The wind would die away on Sunday, but it would still be "rather chilly" with a few showers, he added. The weather should continue to improve into Monday, with eased winds. "If you've got a choice, I'd make Monday your outdoor day," Hines said. Heavy Traffic Warnings In 2018, two people died and 118 were injured in crashes over Queen's Birthday weekend. NZTA Auckland operations manager Rua Pani warned Friday night would be particularly busy this year, with holidaymakers taking to the roads. NZTA predicted heavy traffic in north Auckland between Pūhoi and Wellsford from 1pm-6pm heading north on Friday and 11am and 6pm heading south on Monday. Traffic was known to be bumper-to-bumper in the nearby Johnstones Hill Tunnels during long weekends. Heavy traffic was also expected in south Auckland on SH1 in Takanini between 10.30am-7.30pm for southbound traffic on Friday and 10.30am-8pm for northbound traffic on Monday. Those travelling should wear seatbelts, avoid distractions, increase following distances, use headlights and make alternative travel plans if tired or drinking alcohol. Train Disruptions Auckland Transport has replaced some train services with buses for the weekend due to rail maintenance. Buses will replace trains on the southern line between Penrose and Pukekohe and on the eastern line between Panmure and Manukau.​ source Sort Your Finances A great idea for the long weekend, especially if the weather isn't too flash is to take a good look at your personal finances.  If you need a tidy up or what we call a wrap up with a debt consolidation loan, we might be able to help. The first step... a few minutes is all you need to complete the loan application. One of our loan consultants will be in touch once we have received your application. If at any point you need assistance, don't hesitate to give us a ring on 0800 323 130. APPLY HERE ### Money Saving Tips in Auckland Auckland Money Saving Tips ​Visit the City of Sails and Save on Accommodation, Dining, Attractions and Travel Costs Auckland is one of New Zealand’s most popular cities to visit, and its reputation for high prices extends beyond just houses. Fortunately, we have put together 10 money-saving tips for Auckland to help cut the cost while maximizing your experience. Go up the Sky Tower for “$1” It is $29 for one adult to visit the Sky Tower, but you can dine at the Orbit restaurant with a minimum spend of $30 per person and  enjoy complimentary Sky Tower admission 45 minutes before and/or after your dining experience. So this means you can go to the viewing platform before and after eating. We think this offers fantastic value and a better experience than just doing the Sky Tower visit by itself. Get to and from the airport for much less Don’t waste money on a taxi if you’re alone, travelling as a couple or with your family – the 24/7 SkyBus gets you into Auckland from as little as $16 each way for individuals and $32 for two adults and up to four kids. Buy in advance to maximise savings. Taxis can be an eye-gouging $100+ each way, so the bus is always going to save the most. Book a room from $65/night by avoiding hotels It’s widely publicised Auckland has a housing crisis, but it also has a hotel shortage. If you’re thinking of staying in the CBD, hotels start from a staggering $175+ a night. However, you don’t have to stay miles away from the action to save big. Airbnb offers 5-star reviewed rooms from $65 a night throughout the CBD. Want a local experience? Airbnb in one of Auckland’s charming neighbourhoods and save more Auckland’s inner city suburbs are a lot more attractive than the CBD and offer cheaper even better value Airbnb experiences. Newmarket and Ponsonby are hubs for shopping, and Takapuna is close to the city and by arguably Auckland’s finest beach. Or try harbour bridge-fronting Northcote and Ponsonby. With prices well below hotels and the convenience of free parking, Airbnb makes Auckland that little bit cheaper to experience. Staying for a week or so during the summer? Look for University accommodation If you’re planning to be in the city for an extended time during the summer months of December and January, consider the University of Auckland’s central city accommodation options. Hostels are cheap and (mostly) cheerful – pick the best one Hostels are located all over Auckland. All of them are rated by Booking.com, Tripadvisor and/or the BBH guide so you know what you’re getting before you book. Popular well-rated options are scattered across the city, most of them close to public transport options. Bus, Ferry and Trains for less If you’re going to be in Auckland for at least 2-3 days, the Auckland Transport (AT) HOP Card may be worth the $10 (non-refundable) investment as it saves up 35%-50% off all local transport. For example, a ferry to Devonport is $6.90 from the counter or $4.80 with an AT HOP card, so a return trip saves you $4.20 already. You can top up the card throughout Auckland and get any leftover money refunded to you when you leave the city. The AT HOP card saves you buying “paper tickets” and you won’t need to carry cash to pay for fares either. There are no peak and off-peak fares, so travel whenever you want for the same price. Kids under 5 travel free, and kids between 5-15 get cheap fares but you’ll need to register with Auckland Transport first. BYO (Bring Your Own) restaurants can be much cheaper when it’s time to get the bill Auckland is the city of the $10 bottle of beer and $12 glass of wine. Going out and wanting to sample local flavours may end up costing a lot more than you expected it to. Thankfully, Auckland has plenty of BYO restaurants. This BYO list from VIVA Magazine highlights the ones they consider to be the best, but you can also do a Google map search. Supermarkets and wine shops all over Auckland sell quality New Zealand wine for $9-15 per bottle. Foodcourts punch above their weight and save on the wallet Forget creamy curries and bad Chinese, Auckland knows how to do foodcourts. The Ponsonby International Food Court and the Atrium in the CBD are two examples of places where you can have a fantastic lunch or dinner for around or little more than $10. The selection at both of these establishments is enormous and locals chow down on a regular basis. Get a fantastic dining experience by knowing the best local places and/or using a voucher First off, Groupon offers year-round dining vouchers, as does Grabone.  Secondly, lists like best eats under $15 and Metro Magazine’s best cheap dining help pick the perfect place. Also, check out our Kids Eat Free page which offers additional value. adapted from source And remember when it comes to personal loans, it's what we do, so if you need some finance, talk to Auckland Loans today or apply online. The first step... a few minutes is all you need to complete the loan application. One of our loan consultants will be in touch once we have received your application. If at any point you need assistance, don't hesitate to give us a ring on 0800 323 130. APPLY HERE ### Rainy Sunday Rainy Sunday Loans What are you up to today? It's raining and well, if you go outside you're going to get wet. So why not grab another cup of tea or coffee and apply online for a personal loan to be approved tomorrow when our team are back to work. Clear your debt with a debt consolidation loan Get some cash to get a new set of wheels Finally put a stake in the ground and sort that home renovation you've always wanted to do Or is it a holiday you've been wanting to plan A wedding and a honeymoon perhaps on the horizon? Emergency loans - our rainy Sunday loans are perfect for that, dental/vet bills Course/education loans Moving house, bond and rent in advance loans There are a lot of things you could do with one of our rainy Sunday loans. All you have to do is apply online in less than five minutes and we'll do the rest tomorrow morning. APPLY HERE So what are you waiting for? Apply now for your rainy Sunday loan. ### Easter Weekend Four Day Easter Weekend What's your plans? Long weekends are a true treat, and with the two extra days gifted to us, Easter weekend would have to be the best of them all. Four whole days to fill with all of the food, fun and couch-potatoing you like. Balance out the relaxing-to-adventure ratio, exploring new spots, eating delicious food, catching up with pals and still have time to binge a new series on Netflix. And remember - if you need personal loan finance, we're just an application away. We’ll find the right finance solution tailored to you. Click the Apply Now button to get started - takes around five minutes. If approved the funds could be in your account in just a few hours. Apply Now The Best Things To Do In Auckland This Easter Weekend Catch A Movie In A Park SATURDAY 20 APRIL In the ultimate Easter spirit, Auckland Council Movies in Parks presents Peter Rabbit. The special grand finale of the season for Movies and Music in Parks will have two showings of the movie, the first at 1pm and the second at around 6pm, when the sun sets. Even better, these will also be captioned screenings for the deaf community. The sweet tale of Peter Rabbit is the ultimate feel-good watch that the whole fam will love. There are food stalls on site or bring along a blanket and picnic to enjoy as you watch the heart-warming film. Go To The Department Store Easter Show SATURDAY 20 APRIL The Department Store in Takapuna is holding an Easter show and there is going to be baby bunnies. Enough said really. From 12pm - 2pm on Saturday and for a gold coin donation that will be going to the SPCA, you can have a cuddle with a baby bunny and get involved with some Easter egg fun. Visit The Berba Harvest Celebration SATURDAY 20, SUNDAY 21 AND MONDAY 22 APRIL Solijans Estate Winery is hosting the traditional Berba harvest celebration this Easter weekend, in celebration of the Croatian Harvest Festival. There is grape-stomping, barrel rolling races, tastings, winery tours, folk dance, live music and more fun activities across the weekend. Head along to get a taste of the Croatian traditions and soak up all that's on offer. Take A Marathon Swim At St Heliers SUNDAY 21 APRIL The iconic event, ACM Marathon Swim, is back for another year this Easter Sunday. If you are feeling up for it, the swim is a great event to challenge yourself and your abilities. This year, the course starts at St Heliers Bay, before going around Browns Island, Motukorea, and back to St Heliers. The 10km swim starts at 8am but be sure to pre-register in advance. Also, note that each swimmer requires an individual kayak supporter in order to compete. Go For A Walk With an extra few days up our sleeve, Easter weekend is the perfect excuse to spend a day out in nature working up a sweat. We are blessed in Auckland to have an array of beautiful walks near and far. If you are keen to venture out of the city, there are plenty of hikes that you can spend the day enjoying. If you would rather stay central, Auckland also has many urban walks throughout the city to choose from. Either way, there is no excuse not to lace up, get outside and get moving. source ### Happy Valentine's Day The most overlooked fact about Valentine’s Day is that it’s not just about romantic relationships. Why shouldn’t we celebrate love in all forms and shapes? The love for your parents, siblings and of course your friend. Even if they’re spending Valentine’s Day with their better half, let them know that they hold a special place in your heart by sending them a Valentine’s Day card along with a small Valentine’s Day gift or a little bunch of flowers. It will be probably the last thing they would expect on Valentine’s Day! 30+ Valentine Messages for Friends Whoever said Valentine’s day is only for lovers? I love you my best friend! Happy Valentine’s day. You have been my friend through thick and thin. I cannot imagine life without you. I love you, my friend. Happy Valentine’s day. Even the most caring and loving partner cannot take the place of a good friend. Thanks for filling the gap in my life. Happy Valentine’s Day. Hope your day brings just what you want it to.  Thanks for being the loyal and caring [friend] you are. Love you! Here’s to Valentine’s Day filled with good wine, good food and especially good friends like you. Happy Valentine’s to one of my favorite people. Ever. Boyfriends come and go, but friends are forever! Happy Valentine’s day! Valentine’s Day and every day, I’m grateful for you.  Through this beautiful text message, I send happy valentine day messages for my friends and family and wish you have a beautiful celebration of the day of love. Have a superb valentine’s day. My friend, you deserve more beautiful love moments in this Valentine’s Day and I wish you celebrate the day lovely. I wish you a happy valentine’s day. You are my dear friend and I love you dearly with all my heart. I wish you a wonderful Valentine’s Day celebration and you get cherished moments of love. Hope he spoils you. You deserve it. Someday, our princes will come. Wish we could be together swapping chocolates and laughing over candy hearts like we used to. I’ll raise an awesome Valentine’s cocktail for you. I don’t need the doctor, you are the medicine that brings happiness to my life. Happy Valentine’s day. I hope you feel loved and appreciated on Valentine’s Day. Because you are. Valentine’s Day is much more fun when I get to spend it with you. Friendship is all about understanding. It is all about forgiving. It is all about fighting and then finding it so hard to stay angry. Moreover, it is about loving unconditionally. Happy Valentine’s day my friend. You are a friend to me, a friend who I would never ever want to lose. I love you more than anything else in this world. Happy Valentine’s day. For my friends and family, I wish you a happy Valentine’s Day celebration and wish you get cherished love-filled moments on this special day of love. May you feel a wealth of love this Valentine’s Day. I feel loved this Valentine’s Day knowing that I have you as a friend. You’re my best friend and my best Valentine! Friendship is all about loving your friend. Dearest friend, you are my strongest pillar and greatest strength. Wishing Happy Valentine’s Day to you. Will love you always. Life is incomplete without a dear friend and you are the one who completes me. Sending you warm wishes on the occasion of Valentine’s Day my dear pal. Girlfriends come and go, but brothers are forever! Happy Valentine’s day! Thanks for being my friend and my Valentine this year! Sending warm feelings to a great friend this Valentine’s Day. Today my heart beats out for close friends like you who have been understanding, loyal and supportive, every step of the way. Happy Valentine’s Day! I cherish the time that we spend together and know that you are a great Valentine. ### Best Things To Do In Auckland This February Get ready for February—Auckland’s hottest, sassiest and spiciest month. There's the annual Pride Festival celebrating LGBTQI+ and the annual Fringe Festival saluting all that is non-traditional and weird. There's also the Lantern Festival bringing in the Year of the Pig and the Holi Festival of Colours celebrating the triumph of good over evil. On top of this, there’s plenty of free outdoor movies and gigs, world-class concerts, professional sporting competitions, musicals and circus events. We have one colourful month ahead of us. Here are all the hottest things to do in Auckland this February. FIH Pro League | 1—17 February Catch world-class hockey on New Zealand turf as Vantage Black Sticks men and Vantage Black Sticks women take on 11 of the world’s best teams. North Harbour Hockey Stadium will see two games unfold back-to-back throughout February. Catch our national teams face off against Belgium, Great Britain, Germany, Pakistan and China. Watch the world’s best in action and experience the atmosphere and entertainment of fierce, fast-paced hockey. Madiba The Musical | 1—3 February Showing at Bruce Mason Centre, Madiba the Musical commemorates the life of a truly amazing man—Nelson Mandela. The play is a combination of phenomenal visuals, heartfelt songs and pulsating African dance. It tells the story of Mandela’s fight for a brand-new world of modernity and freedom and all the struggles along the way. Dealing with themes of racial conflict and division, at the core of Madiba is an uplifting message of hope. Incredibly touching, the musical celebrates the man and all he has done for humankind. 1000 Doors | 1—6 February Architecture, interior design, history, grungy spaces and endless mystery come together in the spectacular installation that is 1000 Doors. Dare to enter and you’ll find yourself stepping across threshold after threshold as you make your way through an endless series of doors, screens, gateways and portals. Explore the numerous vestibules and parlours within, each defined by previous inhabitants and the traces of their past. What you find within, is limited only by your imagination. SKYCITY Breakers | 1 & 7 February Support the SKYCITY Breakers as they face off against Melbourne United on the 1st and Adelaide 36ers on the 7th at Spark Arena. Enjoy a professional game of basketball and watch the players go all out in a fight for victory. Engross yourself in the moment and share in the emotions of the crowd, urging on our local team as they dribble, pass and shoot in hope of coming out on top. Homos, Or Everyone In America | 1—16 February Q Theatre invites you to Homos, Or Everyone In America— a sexually blunt, politically incorrect and utterly outrageous drama-comedy. With a hilarious, flawed relationship between two men at its core, the play deals with issues of identity, racism, drug use, club culture, casual hook-ups and marriage equality.  The play is simultaneously amusing and witty, raising important questions regarding societal attitudes, the nature of love and the state of the LGBTQI+ community. Cirque Grande | 1—17 February Walk into the circus tent of Cirque Grande and witness all sorts of astonishing performances. You’ll be amazed at the strength, skill and beauty of the performers who seem to have an endless supply of energy, providing entertainment all night long. The cheeky humour of Grande’s clowns will have you laughing ‘till it hurts. The sense-defying tricks of their daring acrobats and bewildering magicians will leave you staring in awe, questioning the reliability of your eyesight. Dance, comedy, gymnastics and magic… Cirque Grande is everything a great circus should be. American Express Openair Cinema | 1—17 February American Express invites you to enjoy a bunch of great films at Openair Cinemas in the fields of Western Springs Stadium. Grab a bite and a brew from on-site vendors and enjoy live music before settling down for the night’s screening. Scheduled to screen in February are some of the hottest titles of the moment, including A Star Is Born and Aquaman, to Bohemian Rhapsody and Mary the Queen of Scots. Pop yourself down on the grass or upgrade to blankets, loungers or table-service. Oh, and don’t forget to bring your dog, because they’re invited, too. Auckland Pride Festival | 1—17 February Auckland’s annual Pride Festival is back to honour and support the LGBTQI+ community. The festival is full of exciting activities designed to unite our community, break stereotypes, question boundaries and educate the public. Events range from free movie screenings to drag contests and more. The two biggest occasions, however, are the Pride March and the Big Gay Out. The march sees people of all backgrounds come together and walk for the community. Big Gay Out, held in Point Chevalier park, is a free music event and a safe space for the LGBTQI+ community to flourish. Silo Park Cinemas | 1—22 February Silo Park invites you to sit down, relax, and enjoy a bunch of great films. For free. Scheduled to screen in the park are a selection of fantastic movies. We’re talking Star Wars’ newest installation Solo, Jurassic Park, The Blues Brothers, and more. And for Valentines Day, Silo Park will be showing the greatest love story of all time—The Princess Bride. Movies In Parks | 1—23 February Make the most of warm summer evenings with a free movie under the stars. Throughout the month of February, a variety of films will be screening in parks all over Auckland. From recent release of Oceans 8 and Jumanji, to old classics like Grease. Check out the schedule and see what’s playing in your area. Architecture Through The Lens Film Festival | 1—26 February Academy Cinemas are launching an architecture-themed film festival, Architecture Through the Lens. The festival consists of international films that showcase historic architecture and use it as a narrative device. The films not only present incredible building design, but make it a central part of the story, almost as if it were its own character. Must-see for both film and architecture enthusiasts alike. Dining In The Dark | 1—28 February Unless you’ve been living under a rock, you’ve probably heard of the famous company Dans Le Noir and their unique dining in the dark experience. Eating in complete darkness, the idea is to cut out vision thereby intensifying the other senses to enjoy every aspect of the food. Smell the complex aromas, feel the textures as they crunch and melt on your tongue and taste every note of flavour. Thanks to Rydges hotel, you can now take this sensory journey right here in Auckland. Featuring a three-course menu and optional wine pairing, the experience will cause you to re-evaluate your relationship with food. The menu will be kept secret and revealed upon completion of the dinner, only. Who knows, you might even discover a taste for something you would never have tried willingly. Summer Night Sky | 1—28 February If you’re after an enchanting evening, make your way to Stardome and immerse yourself in the magic of our solar system. Summer Night Sky is a presenter-led show which guides you through all the planets, stars and constellations visible in the sky. Held in the 360-degree immersive theatre, you’ll be able to relax in the reclining seats and enjoy the action upfront. The virtual tour is followed by a telescope viewing from the courtyard or observatory dome, where you’ll be able to take in all the astronomical beauty, wish upon some stars and get a pinch of education while you’re at it. Pop-Up Globe | 1—28 February Catch some of Shakespeare’s biggest plays at the Pop-Up Globe. Between the accurate time-specific stage replica and uncanny Jacobean costumes, you’ll feel as if you’ve been transported 400 years into the past. But this ain’t a dull rendition from a class of high school English. Pop-Up Globe serves Shakespeare at his best, full of drama, comedy and controversy. On offer in February are four works— The Taming of the Shrew, Richard III, Hamlet and Measure for Measure. Disney’s Aladdin The Musical | 1—28 February Check out everybody’s beloved street thief, Aladdin, as he graces the stage of the Civic. Young or old, we’re all brimming with excitement. The musical has the most dazzling of costumes, impressive sets and decorations, a myriad of special effects and all the magic you’d expect from the live adaptation of a Disney classic. In awe of the performance, you’ll be singing Arabian Nights long after you’ve left the theatre. Experimental Dance Week | 2—9 February Experimental Dance Week is a week-long festival, acknowledging dance as a discipline and fostering the growth of its creative community. The schedule is brimming with exciting events, from workshops and panel-led discussions to a book launch and of course, endless performances. Queens of SKYCITY | 2—23 February Join New Zealand’s four favourite queens for a celebration of all things drag. Kita Mean, Buckwheat, Tess Tickle and Cindy of Samoa will be dishing out tongue-in-cheek entertainment every Saturday, complete with over-the-top costumes, hair and makeup, and aaaaaaall the sequins and glitter. Expect hilarity and dramatic lip-syncing—this is drag race IRL. Music In Parks | 2—24 February Gather up your mates, grab some snacks and refreshments and head along to Music In Parksfor a day of fun and music. Various parks will play host to the event, with different themes and musicians at each one. Catch local legends Dave Dobbyn and Midnight Youth at Kiwi Gold Rock, celebrate Waitangi Day at Waitangi Ki Manukau or sway to hypnotizing melodies at Blues Legends. One thing’s for sure, there’s something to suit every music taste. Lily Allen | 2 February Catch one of UK’s biggest stars, Lily Allen, live at Spark Arena. Famous for her uncensored, outspoken and attitude-driven lyrics, Lily Allen has conquered the hearts of the public with hits like Smile and Not Fair. Grab yourself a ticket and enjoy Allen’s voice on top of catchy tunes that fuse electropop and reggae. Vector Lights For Waitangi Day | 2—7 February In celebration of Waitangi Day, Vector is putting on a light show at the Waitemata Harbour. The display will tell an ancient story in relation to Little Barrier Island, and the birth of light and life. The display will be visible from various vantage points across the city, from 9pm to midnight. If you’re a fan of strolling through the city at night, this is the time to do it. Paws In Parnell A Midsummer Pupstival | 3 February Us humans can’t be having all the fun—our furry friends deserve a festival, too. Grab your dog and head along to Paws In Parnell for the cutest summer solstice festival out there. Your four-legged friend will have a chance to feast on NZ King Salmon, strawberries and pupsicles, making friends of their own in the process. Don’t let your dog miss out. George Ezra | 4 February UK singer-songwriter George Ezra is set to play the Spark Arena. Catch the pop-star performing catchy tunes on the guitar, with relatable lyrics laid over the top, sung in the deep, baritone voice he is known for. So Pop | 5 February Salute the glory days of the 90s and 00s with So Pop—a four-hour extravaganza featuring the period’s pop royals. Chuck on your platforms, cargo pants and plastic chokers. Cover yourself in all the glitter you can manage and prepare to dance the night away to the likes of Aqua, Vengaboys, Blue and B*Witched. The Prodigy | 5 February The Prodigy is perhaps the biggest name in electronic music, ever. And this February, you can see them, live. Dance the night away to a show of stunning visuals accompanied by state-of-the-art sound and floor-thumping hits. Night Of the Queer | 7—15 Feb Part of Auckland Pride, Night of the Queer is a bold show featuring some of Auckland’s most daring queer artists. Following a queer love story with characters inspired by the Greek gods and goddesses, the show is a fusion of circus, theatre, dance and music, with a healthy injection of gender-bending. Vegan Food Festival | 10 February Plant-based eaters, finally, there’s a vegan food festival catering to your needs. Believe it or not, you won’t have to modify a single meal to avoid animal products at this festival. For a country that ranks third in the world for veganism, this news is music to our ears. Sink your teeth into offerings from Rolling Pin, Double Dutch Fries and Vege Bang Bang, among others. Bring along your meat-loving mates and show them just how delicious a good vegan meal really is. Shop the mini-market full of eco-conscious products and enjoy live entertainment, day long. Krishna Holi Festival 2019 | 10 February Celebrate the Indian festival Holi, marking the beginning of Spring and the triumph of good over evil. Also known as the Festival of Colours, Holi sees people throwing colourful powders at one another, leaving everyone coated in vibrant combinations of hues. Get lost in the electrifying atmosphere, dance to live music and DJ sets and feast on delicious vegetarian food. Lantern Festival | 14—17 February The Year of the Pig is approaching and what better way to celebrate than the Lantern Festival? Chinese New Year is a big deal and if you want a good year ahead, you better start it off with a bang. Come along to the Domain and feast your eyes upon beautiful lanterns glowing against the evening darkness. Enjoy cultural performances of dance, music and martial arts, shop Chinese crafts and fill your belly with Chinese cuisine. KOOZA Cirque Du Soleil | 16—28 February You ain’t seen circus ‘till you’ve seen a production from Cirque Du Soleil. We’re thrilled to welcome the company back on our soils with their newest performance of KOOZA. Featuring an international cast of 50 acrobats, musicians, singers and actors, KOOZA is all about rubbery contortionists and gravity-defying daredevils. Stare in awe as performers execute impossible tricks that’ll have your heart skipping beats. Fringe Festival | 19—28 February Outrageous, unique and exciting, Fringe Festival seeks to celebrate non-traditional narratives and identities. Run over the course of two weeks, Fringe’s events are as diverse as its performers. Everything from dance and theatre to K-Pop parties, aerial performances, drag shows, magic shows and comedy.  Catch Russian provocateurs Pussy Riot rip up Auckland Town Hall. Famous for their imprisonment by Putin for “hooliganism motivated religious hatred”, the band have become a symbol of rebellion and freedom of expression. Watch award-winning web-series PSUSY in the backyard of its very creators, accompanied by a sausage sizzle and sangria, with a Q&A post-screening. Fringe is everything weird at its best. Splore | 21—24 February Held at Tapapakanga Regional Park in Auckland’s Orere, Splore is a three-day music festival. Set on a beautiful beach-front, Splore is a chance to forget all your worries and live in the moment. To celebrate yourself, your friendships and our planet. Full of diverse music, art installations, workshops, forums and performing arts, the festival maintains a relaxed, positive, friendly culture. Dress up in costume, take part in themed camping, meet new people and enjoy the good vibes that Splore is known for. Moët Ice Summer Sessions at Fantail & Turtle |  23 February Embrace the warmth of summer with a champagne-heavy afternoon at the third installation of Moët Ice Summer Sessions. Playing host this time around is Takapuna bar and eatery Fantail & Turtle. Bring your friends and make new ones at the event, sharing your love for fun and good drink with like-minded people. In true Moët & Chandon style, Ice Impérial is an elegant and mature champagne with hints of bright fruit. Enjoy the drink plain over ice or, choose from a variety of Moët Ice Impérial-based cocktails curated around the flavours of summer. Drink, laugh, and bop along to a live DJ set. source ### Back to School - Catch up loans So your little darlings have either gone back or are just about to go back to school. Back to school time can be quite expensive on the budget for books, uniforms and devices. We know following the expense of the holidays and then been faced with school costs that you are probably tapped out. If you need one of our catch up loans to get back on top of things - it might not be for holiday and school expenses, it could be general debt consolidation. Whatever loan requirement you have, we're here to help. Simply apply on line and we'll see what we can do for you. Apply online in less than five minutes: Apply Now ### Happy Boxing Day Did you know In the UK, Canada, Australia, Trinidad and Tobago and New Zealand, Boxing Day is primarily known as a shopping holiday, much like Black Friday (the day after Thanksgiving) in the United States. Boxing Day sales are common in these countries. It is a time when shops hold sales, often with dramatic price reductions. For many merchants, Boxing Day has become the day of the year with the greatest revenue. History There are competing theories for the origins of the term, none of which are definitive. The Oxford English Dictionary gives the earliest attestations from Britain in the 1830s, defining it as "the first week-day after Christmas-day, observed as a holiday on which post-men, errand-boys, and servants of various kinds expect to receive a Christmas-box". The European tradition, which has long included giving money and other gifts to those who were needy and in service positions, has been dated to the Middle Ages, but the exact origin is unknown. It is believed to be in reference to the Alms Box placed in areas of worship to collect donations to the poor. Also, it may come from a custom in the late Roman/early Christian era, wherein metal boxes placed outside churches were used to collect special offerings tied to the Feast of Saint Stephen, which in the Western Church falls on the same day as Boxing Day. ### Unsecured Car Loans Auckland Loans Interest Rates from 9.95%* Get My Loan Now Auckland Loans Unsecured Car Loans Need a new car right now? Auckland Loans makes it easier for you to get into a new set of wheels. We’re your local team specialising in personal loans, offering world class service and a better borrowing experience. 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Not only does this save you time, it’s easier and better for your credit rating. This is because applying for too many loans in a short time frame can harm your score. Here’s how it works As loan brokers, we put your application in front of multiple low-cost lenders. You apply once, online in around 3 minutes. Then we compare loan offers to find the best deal for you. But that’s not all Auckland Loans, through its parent company Loansmart, are Financial Advisors. This means we can offer you more than just loan options. We can go one step further and discuss the pros and cons of each, and are obliged to point out which one works in your best interest. Not all loan brokers are financial advisors. That means they are not obligated to put your financial well-being first.Applying for a loan can be a frustrating, confusing and time-consuming experience. 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This lowers the risk to the lender. Without the security, you may not be able to obtain a loan of this size.However, if you want to borrow up to $75,000, an unsecured personal loan may be an option for you. Auckland Loans unsecured personal loan limit is significantly higher than many other lenders, including banks. Get started Now How Do Secured Loans Work? An asset is used as collateral for secured loans. The lender evaluates the value of the collateral when a borrower applies for one, and then determines the maximum loan amount based on the percentage of the value of the collateral. Loan-to-value ratios are used to determine the maximum loan amount.If the borrower defaults on the loan, meaning they don't make the agreed-upon payments, the lender can seize the collateral to recover the outstanding balance. The lender gets some security and reduces their risk this way, which is why it's called a "secured" loan. Get My Loan Now Advantages of Secured Loans There are several reasons why a secured loan can be a better option than an unsecured personal loan Lower interest ratesSecured loans typically have lower interest rates compared to unsecured loans because the lender has collateral to fall back on in case the borrower defaults. This makes secured loans a more affordable option for borrowing large amounts of money. At Auckland Loans, our interest rates start from just 9.95%. Higher borrowing limitsWith a secured loan, you can often borrow a larger sum of money compared to an unsecured loan. This is because the collateral you provide gives the lender confidence that they will recover their funds even if you are unable to repay the loan. We offer loan limits of up to $75,000 for our unsecured personal loans, but with our secured loans we can provide a limit of $150,000. Easier approval processSecured loans are often more accessible for borrowers with poor credit histories. Since the collateral reduces the lender’s risk, they may be more willing to approve your application even if you have a less-than-perfect credit score. Longer repayment periodsSecured loans typically have longer repayment terms, allowing you to spread out the payments over a longer period of time. This can make it easier to manage your monthly budget and ensure that your loan repayments fit within your financial capabilities. Auckland Loans makes borrowing easier with our flexible repayment terms from 6 months to 84 months – we make it easy and affordable. Flexibility in useSecured loans can be used for a variety of purposes, whether you want to consolidate your debt, make home improvements, or fund a major purchase such as a car or a wedding. The flexibility in use makes secured loans a versatile option for meeting your financial needs. Lower risk for lendersSome lenders prefer secured loans because they have a lower risk of losing their investment. With collateral provided as security, lenders have an asset to fall back on in case the borrower defaults. This reduces the risk for the lender, making them more willing to offer lower interest rates and higher borrowing limits. Would a Secured Loan be Right for Me? Here are some factors to consider when deciding whether a secured loan is right for you: You run the risk of losing your assetsSecured loans come with a risk of losing your collateral if you default on the loan repayments. If you’re confident in your ability to repay the loan and don’t mind the risk, then a secured loan could work for you. At Auckland Loans we won’t lend to you unless we’re confident of your ability to repay your loan. We always do our best to set you up for repayment success. With a secured loan, you may pay less interest Interest rates are typically associated with risk. So with less risk involved, you may get a better interest rate. With a secured loan, you can do moreNaturally, being able to borrow more means you can do more with that money. You may want to renovate your home, upgrade your car and go on holiday at the same time. One larger secured loan can effectively do the job of three or more smaller loans.With a secured loan, you may be more likely to get approved if you have bad creditWhen you have a poor credit score, collateral can help you get a loan. Lenders may be more willing to lend when they can see you’ve got something to back up the loan asset. Bad credit loans are one of Auckland Loans’ specialties – we believe everyone should have access to low-cost loans, no matter what their credit history is. We help people with low credit ratings get loans with our fast, local service. I just wanted to say thanks Auckland Loans, everything you promised was delivered, great communication. Well done! John T, Welsford “Thanks for your patience and explaining all the options. Having all my debts covered has simplified my life and put me back on track.” Paul G, Auckland “Just had to let you know how impressed I was with your service. Easy online application, couple of emails and a quick trip to your office – sorted!” Susan M, Auckland “Finally a company that lives up to the promises on its website! Well done Auckland Loans you made the whole process very easy.” Rachael Barnes, Hamilton Get Started Today ### Unsecured Personal Loans Auckland Loans Interest Rates from 9.95%* Get My Loan Now Auckland Loans Unsecured Personal Loans Unsecured personal loans without the hassle The process of getting Auckland Loans is simple and hassle-free! We can arrange a personal loan for you through our providers, who offer: Apply online with easeRates from 9.95%* Payout and approval on the same day* You can repay the loan over a period of 6 to 84 months You can borrow up to $75,000* unsecured Online loan application takes just 3 minutes Whatever your financial needs, Auckland Loans can help! It doesn’t matter if you want to reduce your debt repayments, buy a new car, or go on the trip of a lifetime, our goal is to help you do it. With us, you will be able to access fair, low-cost loans from our loan providers at highly competitive interest rates.*Subject to responsible lending checks and lending criteria. Get my loan today! Auckland Loans With an Unsecured Personal Loan, You Can Get Cash Fast At Auckland Loans, most of our lending is unsecured, which enables us to work more quickly to help you.Secured loans are loans that use assets (such as a home or car) as security or collateral. Those assets may be taken by your lender if you don't pay back your loan.Getting an unsecured loan doesn't require any security; you simply receive the cash you need and pay it back over time.Since we don't have to check your assets' value, we can get you your funds faster with an unsecured loan. The process is much simpler. Get a free loan assessment Borrow Up to $75,000 Unsecured You can get affordable loans without any hassle with Auckland Loans because we work smarter and faster than anyone else.You can borrow up to $75,000 unsecured*Repay your loan over a period of 6 to 84 monthsIt's all online, there's no paperwork, it's easy!If you need funds quickly, Auckland Loans' unsecured personal loans are perfect. Unsecured loans are limited to $75,000, which is enough for most borrowers. Depending on your situation, you may also be eligible for a secured loan of up to $150,000 if you need more money.You won't feel under too much pressure by spreading your payments over a term of 6 months to 7 years, so you have enough financial wiggle room to get what you need. Loan Calculator What Are the Benefits of an Unsecured Personal Loan? If you need funds quickly and don't want to risk losing any assets if you fall into financial trouble, an unsecured loan might be right for you. In contrast, if you have a bad credit history or plan to borrow more than $75,000, it may not be the best option for you.Do you still have questions? Get in touch with Auckland Loans today and our friendly loan advisors will be happy to walk you through your options.As an associate member of the Financial Services Federation, Auckland Loans supports and promotes responsible lending. With this in mind, you can trust us to give you loan advice that's in your best interests.We provide simple, affordable loan solutions to clients in a variety of situations. We can solve almost any problem. Contact Us Today 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. I just wanted to say thanks Auckland Loans, everything you promised was delivered, great communication. Well done! John T, Welsford “Thanks for your patience and explaining all the options. Having all my debts covered has simplified my life and put me back on track.” Paul G, Auckland “Just had to let you know how impressed I was with your service. Easy online application, couple of emails and a quick trip to your office – sorted!” Susan M, Auckland “Finally a company that lives up to the promises on its website! Well done Auckland Loans you made the whole process very easy.” Rachael Barnes, Hamilton Get Started Today Unsecured Personal Loans FAQ's Can I get an unsecured loan if I have bad credit?We may require security before we can give you a loan based on your credit history. Ultimately, it will depend on your financial history and circumstances.We specialise in bad credit loans, and the best part is that they are low-cost as well. Feel free to contact our friendly team if you’re wondering if you can get a personal loan with a bad credit score. Are unsecured loans risky?Quite the contrary, because we don’t hold any security over your assets, it’s actually riskier for the lender. However, if you want to secure the best rate possible for large amounts, taking out a secured loan may be the better option for you.Because their are less risks associated with lending on secured loans, interest rates can be lower. Is it easy to get an unsecured loan?Unsecured loans can be processed faster, but we apply the same lending criteria. To put it simply, you need to be able to afford your repayments. Affordability is determined by comparing income to expenses.Possibly you are paying more than you need to for existing loans, so we can consolidate them into one loan with lower monthly payments. That way you may have more discretionary income to meet the affordability criteria. Do I need to provide my bank statements when I apply for a loan?Auckland Loans checks your financial history before you can take out a loan, so we can make sure you can afford it. Taking this approach is part of our commitment to responsible lending. However, it’s no hassle.You can easily send us your bank statements electronically by clicking a link we send you – there is no paperwork involved! Do you guarantee loan approval?Since lenders must ensure their lending is responsible, an unsecured personal loan with a “guaranteed approval” doesn’t exist. Despite this, Auckland Loans finds a positive solution for most of our customers.With our help, you can find low-cost loans that fit your needs quickly. By taking a look at your credit history and financial situation, we aim to get you what you need without adding to your financial burdens. Although we cannot guarantee approval, you can count on us to do all we can to help. What can I use an unsecured personal loan for?It’s up to you! The great thing about Auckland Loans’ unsecured personal loans is that there are no restrictions on what you can use them for so long as it’s legal! You have the freedom to use your funds however you wish, whether it’s for a holiday, a car, home repairs or a wedding. What is the difference between a secured loan and unsecured loan?When a loan is secured, it means assets (like a house or car) are used as security, or collateral, against the loan. If you fail to pay back your loan, those assets can be taken by the lender.An unsecured loan means there’s no security taken out against your loan, you simply get the cash you need and you pay it back over time.With an unsecured loan, we can get you your funds faster because we don’t have to spend time checking the value of your assets. It’s a much simpler process. Can I get an unsecured loan if I have bad credit?Depending on your credit history, we may require security before we can give you a loan. In the end, it will depend on your financial history as well as your circumstances.Bad credit loans are one of our specialties, and the best part is that they’re low-cost as well. So, if you have a bad credit score and are wondering if you can get a personal loan, contact our friendly team today. Is an unsecured personal loan right for me?An unsecured loan may be best for you if you want to get your funds quickly, and don’t want to risk losing any assets if you fall into financial difficulty. However, it might not be the best option if you have a bad credit history or you want to borrow more than $75,000.We make it easy to get what you need and we make it affordable – by spreading your payments on a loan term between 6 months and 7 years, you’ll have enough financial wiggle room that you’re not under too much pressure.Still unsure? Get in touch with our friendly loan advisors at Loansmart today, and they can talk you through your options. ### Same day Loans Auckland Loans Interest Rates from 9.95%* Get My Loan Now Auckland Loans Same Day Loans Auckland Loans is your local lender with low cost lending tailored to your needs. We understand that sometimes you need money in a hurry. That's why we offer Same Day Loans*, so you can get the money you need quickly and easily. Our online loan application process is fast and straightforward, so you can get approved the same day and have the money in your bank account soon after.*Subject to responsible lending checks and lending criteria. Get Started Today Need a same day loan? Let Us Help You with That. Sometimes life throws you curve balls you need money in a hurry. At Auckland Loans, we are aware of the cost of borrowing. As specialists in low cost fast loans. Our friendly local team works at lightning speed to get loans approved once we receive an application form.Get approved faster with our simple online approval process.We offer unbeatable customer service and quick approvals. Our low-cost loans are tailored to meet your needs.Find out how much money you can borrow today, and you could have it in your account tomorrow!High approval rates and fast local service. Apply Online Great Rates On Same Day Loans When you apply for a loan through Auckland Loans, you only make a single application, and you get the rates and repayment options from multiple lenders. This means you can choose the option that's best for you.  Applications are submitted to our trusted network of low cost lenders at the same time. A greater number of lenders means a greater chance of approval.One application + multiple lenders = more chances of approval.  Loan Calculator Borrow Up to $75,000 Unsecured At Auckland Loans, you can borrow loan amounts up to $75,000 unsecured, with repayment options of between 6 months and 84 months. Our loans are tailored to your needs, so you can time your repayments to when you get paid. We offer competitive rates, low cost establishment fees, and repayment options, so you get a great deal too.Want to find out how much you could borrow? Use our free online loan calculator to find out. free online loan calculator Easily Compare Rates and Repayment Options When you apply for a loan through Auckland Loans, we put your application in front of multiple low cost lenders and give you the choice of which one to go with.Compare the rates and repayment options, and then choose the one that suits you best. It's great to have options from several low cost lenders. Apply Online Have Bad Credit? We Can Work With That. At Auckland Loans, we believe that everyone deserves low-cost loans, regardless of their credit history. We assist people with low credit ratings or bad credit scores by seeking to understand why the credit rating is low.We take a human approach, rather than just look at the numbers. Our team has helped thousands of borrowers access low-cost loans with less-than-perfect credit scores. By making their repayments affordable, we set them up for success and helped rebuild their credit score.Auckland Loans is your fast, local service with more chances of approval - regardless of your credit score*. Loan Calculator I just wanted to say thanks Auckland Loans, everything you promised was delivered, great communication. Well done! John T, Welsford “Thanks for your patience and explaining all the options. Having all my debts covered has simplified my life and put me back on track.” Paul G, Auckland “Just had to let you know how impressed I was with your service. Easy online application, couple of emails and a quick trip to your office – sorted!” Susan M, Auckland “Finally a company that lives up to the promises on its website! Well done Auckland Loans you made the whole process very easy.” Rachael Barnes, Hamilton Get Started Today Same Day Loans FAQ  Here are the questions people typically ask about same day loans. Can I get a Same Day loan on the weekend?You may be approved for a same-day loan on a Friday if you apply before 1pm—just in time for the weekend. However, weekend loan applications cannot be processed, as our team doesn’t operate on Saturdays or Sundays.*Subject to responsible lending checks & lending criteria. What is a Same Day Loan?A Same Day Loan is a type of Personal Loan that is approved and disbursed on the same day*. People often apply for Same Day Loans when they need quick cash, instant approval, or an emergency loan.*Subject to responsible lending checks & lending criteria. What can a Same Day Loan be used for?A Same Day Loan is great for pretty much anything you need money urgently for, so long as it’s legal! Unexpected bills, bonds, emergency pet care, car repair loans, a new car. Whatever you need money for, the team at Auckland Loans wants to help you. How can I apply for a Same Day Loan?Our online loan application is straightforward and easy to follow. A Loan Consultant will provide you with updates and ensure you are fully informed until your loan is settled and the funds are deposited into your account.After receiving your application, we will review the available loan options and find one that is suitable for your lending needs. We work efficiently to process and pay out the loan as quickly as possible.Our team is dedicated to providing a high-quality lending experience for you. When will my money be in my account?Applications are processed on a first-come, first-served basis, so it is recommended to apply early in the day. On certain days, there is a higher volume of applications, so it is better to apply early in order to be at the top of the queue.Once your loan is approved, the funds will be deposited into your account. The speed at which you can access funds depends on the bank you are with. It could happen immediately or the following day.After receiving your application, we will review the available loan options and find one that is suitable for your lending needs. We work efficiently to process and pay out the loan as quickly as possible. Our team is dedicated to providing a high-quality lending experience for you. Can I apply for a Same Day Loan if I have bad credit?With Auckland Loans, you can borrow money if you have a poor credit score or payment history*.For better repayments and lower interest costs, consider a low-cost lender when you have a credit score below average. With our experience, we’ve dealt with every type of lending situation before and can provide affordable solutions for most of them.*Subject to responsible lending checks & lending criteria. How much can I borrow?With Auckland Loans you can borrow up to $75,000 unsecured, and up to $150,000 secured. What will my loan term be?Auckland Loans offers repayment options of 6 months to 84 months. ### Disclosure Statement Disclosure Statement Disclosure Statement for Loansmart Ltd T/A Auckland Loans Disclosure Statement At Loansmart we strive to find the best Personal Loan for your situation, understanding your goals and objectives will enable us to recommend a suitable Personal Loan for you. All our advisers are trained in considering all the options available for you and your circumstances. We have been operating since 2008 and are continually striving to find the best options in the NZ lending market License Information Loansmart Limited (FSP #7461) holds a Full Class 2 Financial Advice Provider Licence issued by the Financial Markets Authority to provide financial advice.We do not provide financial advice service related to:a. Investment products (e.g., shares, bonds, managed funds, etc.) and Kiwi Saver products.b. Estate planning (such as Wills, Enduring Powers of Attorney, and trusts of any description).c. Personal risk insurance (e.g.; life insurance, mortgage protection insurance, serious illness or trauma insurance, medical insurance, disability insurance, etc.,)Our contact details are:Loansmart Limited33 Broadway, Newmarket, Auckland 1023Email: enquires@loansmart.co.nzPhone: 0800 255 155 Nature and Scope of Engagement Personal Loan Broker - Loansmart provides advice to our clients about Personal Loans & Credit related insurances. We only provide financial advice about products from certain providers.For Personal Loans, we work with the following lenders:Avanti Finance LimitedFinance Now LimitedPioneer Finance LimitedNectar Trustee LimitedPersonal Loan Corporation Limited (PLC)Community Financial Services Limited (CFS)Financial Holdings Limited (FHL)Branded Financial Services (BFS)Lifestyle MoneyGeneva FinanceFor Credit related insurances, we work with the following companies:Provident Insurance LimitedFinancial Holdings Limited CCI How We Operate To ensure that our financial advisers prioritise the client’s interests above their own, we follow an internationally recognised professional advice process to ensure our recommendations are made based on the client’s goals and circumstances.The Six-Step Process:Getting to know you, your situation, financial goals and objectivesGathering relevant data on your current situationAnalysing data and assessing viable solutionsProviding recommendationsImplementing recommendationsOngoing review (where relevant staying on track) Advice Conduct Loansmart Ltd, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice.We are required to:give priority to your interests by taking all reasonable steps to make sure our advice is not materially influenced by our own interestsexercise care, diligence, and skill in providing you with advicemeet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice)meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should, and give you suitable advice).This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at www.fma.govt.nz. Remuneration - How Loansmart Gets Paid Loansmart Fee – Loansmart may charge a fee based on the size and complexity of the loan. This fee is up to 5% of the loan amount plus $245, to a maximum of $995 for unsecured loans (GST exclusive). For secured loans the calculation is the same, but the maximum fee is $1995 (GST exclusive). Insurance related products – Loansmart may receive a commission on any insurance product that is taken with the loan. The commission amount is a percentage of the insurance premium and will vary depending on the provider. All fees & insurance premiums can be financed as part of the loan (added to the loan). Commission – We may receive a commission from the lender when a loan is completed. The commission amount is a percentage of the loan amount and will vary depending on the lender. Referral Commission – If we are unable to arrange a loan approval for you with one of our lenders and we believe one of our referral partners could assist you, we will refer your application to them. This will be communicated at the time. We may receive a referral commission of up to 13% of the loan amount if this referral leads to you taking a loan with them. Cancellations This section outlines the process for cancelling and refunding a loan.If you wish to cancel your loan before the funds have been advanced there is no fee payable.If you choose to cancel your loan application after the funds have been disbursed, you may do so within the cancellation period stipulated in the Loan Agreement, however, the Loansmart Fee is non-refundable. This means that if you wish to cancel after receiving the funds, you will be required to repay both the full loan advance and the Loansmart fee.The Loansmart Fee is non-refundable because it covers the completion of all necessary steps in the loan process, including the time and resources dedicated to securing and processing your loan.To proceed with cancellation, please contact your Loan Consultant, who will provide you with the appropriate details to facilitate repayment and cancellation. Conflicts of Interest We take any perceived or real conflicts of interest very seriously and have a dedicated policy for dealing with such issues whereby we avoid, disclose and/or manage any conflicts so that our client’s interests are placed first.All our financial advisers undergo annual training about how to manage conflicts of interest. We maintain registers of conflicts of interests, and the gifts and incentives we receive. Loansmart monitors these registers and provides additional training where necessary. Loansmart performs an annual review of our compliance programme. Complaints Handling and Dispute Resolution 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 enquires@loansmart.co.nz, or call us on 0800 255 155 so we can discuss with you.You can also write to us at:PO Box 28231,Remuera,Auckland 1546When 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 2572. by emailing complaints@fscl.org.nz3. through FSCL’s website: www.fscl.org.nz4. by writing to: FSCL, PO Box 5967 WELLINGTON 6011 Ask Us - We Are Here to Help We welcome any questions or queries you have in relation to this important information but more importantly, we look forward to working with you.A copy of this Disclosure Statement can be emailed to you upon request. ### Thank You Thank You Time to check your emails! Your application is being assigned to one of our team now. They will send you an email with the next steps to proceed and help you all the way through your application. You may need to check your Junk / Spam folders if you can’t find it. Do you want to learn more about our process? Watch the video below https://www.aucklandloans.co.nz/wp-content/uploads/2024/07/Loansmart-25-July-Explainer-Video-V.2.mp4 Go Back to home ### Privacy Declaration Loansmart Limited Trading As Auckland Loans Privacy Declaration PRIVACY AUTHORISATION: FINANCE APPLICATIONSPrivacy Act 2020 – Loansmart Ltd is committed to protecting your privacy and maintaining security of the information you provide to us. We abide by the laws relating to privacy and safeguarding of information.Privacy Act 2020 – Personal Information Notice and DeclarationI/we declare that:I/We understand that there is no obligation to provide personal information but failure to do so may prejudice my chance of obtaining finance.  I declare that the information contained in this application is true and correct.I/We have also disclosed any other names I am known under.I/We are aware that if we have deliberately provided false information in this application, I/we could face fraud or dishonesty charges in the courts.Privacy Act Acknowledgement, Authorisation and How the Information Will Be Used by Loansmart LtdI/We authorise Loansmart Ltd and all related companies (as defined in the Companies Act 1993) to use and disclose the personal information I have provided to undertake all necessary enquiries and request, collect, check and exchange information (both now and in the future), including but not limited to personal, commercial and financial information about me and references, from:Any Credit Reporting Agency credit providerThe NZTA (NZ Transport Agency),Ministry of Justice,My employer(s),Accountant,Or any other sourceI/We understand and authorise Loansmart Ltd to assess my creditworthiness, providing credit to me, administering and enforcing this Agreement, offering me insurance, maintaining credit records with Loansmart, a related company and external agencies, marketing goods and services provided by Loansmart, a related company or any other supplier nominated by us.I/We also authorise Loansmart to disclose information about any loan arising out of this application to any potential assignee of this loan, guarantor or to any person providing services in connection with refinancing this loan, or to any person or organisation I have authorised to obtain information, at any time in the future.I/We acknowledge and agree that in order to facilitate a Credit Reporting Agency’s credit reporting services Loansmart will disclose to such agency information about me for that purpose, including any updates of such information. The Credit Reporting Agency will hold that information on their systems for that purpose. Loansmart will also collect and disclose my positive credit information including repayment history to credit reporters. If I default in my payment obligations to Loansmart, I understand that the information about that default may be given to any Credit Reporting Agency and they may give that information about my default to other Credit Reporting Agency customers.I/We understand that Loansmart will meet its obligations to me under the Privacy Act 2020I/We understand that such information will be held by Loansmart at their business address and by other parties for the purposes described above.I/We understand that I have the right to access and correct personal information held about me in accordance with the Privacy Act 2020I/We I confirm that I do not have any outstanding traffic, parking or other fines, do not have a criminal record and am not a undischarged bankruptIf you apply for finance through us, we will share the personal information you give to us with one or more potential lenders.  If we do so, those lenders may use your information in order to:process your application for finance;assess your creditworthiness;verify your identity in accordance with anti-money laundering legislation;comply with any other legal obligations; andif your application is successful, provide you with an offer of finance.In order to do those things, those lenders may disclose your personal information to, and collect personal information about you from, certain third parties, including:credit reporting agencies (credit reporters), from whom you authorise the lenders to collect information about your identity, current credit obligations and credit history;identity verification agencies;the New Zealand Transport Agency’s ‘Driver Check’ service;the Ministry of Justice, in order to obtain fines information;government agencies and regulators, or anyone else with whom a lender is required to share that information for the purposes of complying with all applicable laws; andany third-party service provider, including professional advisors and public registers.If a lender discloses the fact that you have applied for finance to a credit reporter, you agree that the credit reporter may keep that information and disclose it to its customers (which may include disclosing it to other lenders from whom you apply for finance in the future).  You can ask credit reporters for a copy of any credit information they hold about you and to update it, if necessary. More information is available at https://www.privacy.org.nz/privacy-act-2020/codes-of-practice/crpc2020/.Further I authorize Loansmart Ltd to use my personal information for merchandising, market research and offering additional services including newsletters from Loansmart Ltd or the offer of additional credit facilities.Personal Property Securities Act 1999I/We waive my right to receive Verification Statements or Financing Change Statements under the PPSA.  I acknowledge that I am able to request such statements by contacting Loansmart in writing.Electronic Communication:I/We agree that Loansmart may use electronic communication (including email and SMS/text message) for the purpose of making disclosure to me pursuant to the Credit Contracts and Consumer Finance Act 2003, providing me with notices and/or changes to Loansmart Terms and Conditions and/or any other reason such as marketing of services and products.Website Privacy Statement and Terms of Use The internet is used on a day to day basis and it’s important to us to assist our customers to retain their privacy when using our website. We are committed to protecting your privacy by complying with the Privacy Act 2020.Sharing Your InformationGenerally, we will only disclose your personal information with your consent or if required or as permitted by New Zealand law.Links to other WebsitesOur site may contain a number of links to third party websites and online resources that are not owned or controlled by Loansmart. If we have provided links to any third party site for your assistance, this does not imply that we share or endorse the opinions expressed or material appearing on such websites. We therefore do not assume responsibility for the content or practices of any of these third parties. We strongly advise that you read the privacy statements of the sites you visit as a result of following a link posted on our site.I/We acknowledge that I/We have read/accepted the above Privacy Declaration & Authorisation ### Responsible Lending Auckland Loans Responsible Lending Code Although Auckland Loans isn’t the lender directly (We arrange lending via our Loan Providers) we take obligations seriously and abide by all of the current legislation, namely “The Responsible Lending Code”. The Code can be viewed here: Responsible Lending Code (June 2022) [PDF] About Auckland Loans Auckland Loans is a Personal Loan Arranger. We have built relationships with many of the best NZ Lenders so that we have as many options as possible to offer to our customers. Our team of Loan Consultants work hard to provide our customers lending solutions that are best suited to their personal needs & goals.When you apply for a loan we have some responsibilities to you, these include understanding your needs & goals, and your financial situation.Depending on your circumstances the sort of information we may request from you is as follows:Your personal circumstances including your ageWhat existing loans you have and whether they will be repaid with this loanRecent bank statements to confirm your income and expensesWhether your employment is full, part-time, or casualWhat assets you have and their valueDetails of your credit history and your consent to a Credit CheckRequesting to see your identity documents (drivers license/passport etc)To understand your needs we may also ask the following:The amount you would like to borrowWhen you require the fundsThe purpose of the loanThe loan term that best suits your needs/budgetIt is very important to us that you understand your contract and we endeavor to do the following:Make sure you know your rights and responsibilities before you sign the ContractHave clear terms and conditions that are easy to understandEnsure you understand the Interest Rate & Fees that apply to your ContractClearly specify any security being used and ensure you are aware of thisThat you understand what may happen in the event of non-payment (repossession or sale of any property that you have provided as security)This will allow you to make an informed decision about your loan.Other websites that can assist you with borrowing moneywww.sorted.co.nzwww.consumerprotection.govt.nzwww.comcom.govt.nz ### Fees Fees and Interest Rates Your Loan Consultant will help to arrange a loan option for you based on your needs & goals. The rates & fees applicable are based on multiple factors which we will cover below:Interest rates start from 9.95%, these are set by the loan provider when they approve the application.It is free to complete an application. A fee to use our service is only applicable when you enter into a loan arranged by us. This fee is up to 5% of the loan amount plus $245, to a maximum of $995 for unsecured loans (GST exclusive). For secured loans the calculation is the same, but the maximum fee is $1995 (GST exclusive)The fee will be notified to you before you enter into a loan. This fee can be added to the new loan that is being arranged, or paid directly to us before the funds are advanced.Other websites that can assist you with borrowing money:www.sorted.co.nzwww.comcom.govt.nzIf you have any queries with regards to the above, please contact us on 0800 255 155 or email enquiries@loansmart.co.nz. ### FAQ's Interest Rates from 9.95% Auckland Loans Your first choice in lending Get My Loan Now Auckland Loans FAQ's 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. General Debt Consolidation Insurance Personal Loans Property Loans Car Loans Complaints General What do I need to send you? 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. How do I get my information to 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. What happens once I have completed the application? 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. You have approved my loan what happens now? 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. What happens once I sign everything? 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. What if I have poor credit or defaults? 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. Who will see my application? 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. Cancellatons - after the loan has been advanced This section outlines the process for cancelling and refunding a loan. If you wish to cancel your loan before the funds have been advanced there is no fee payable. If you choose to cancel your loan application after the funds have been disbursed, you may do so within the cancellation period stipulated in the Loan Agreement, however, the Loansmart  Fee is non-refundable. This means that if you wish to cancel after receiving the funds, you will be required to repay both the full loan advance and the Loansmart fee. The Loansmart Fee is non-refundable because it covers the completion of all necessary steps in the loan process, including the time and resources dedicated to securing and processing your loan. To proceed with cancellation, please contact your Loan Consultant, who will provide you with the appropriate details to facilitate repayment and cancellation. I can’t find the answer to my query? Please contact us here. Back to Top Debt Consolidation What debts can I consolidate? 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. Do you pay debts directly? Yes. 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. Can I get some cash at the same time? Yes. 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. Back to Top Insurance What types of Insurance do you offer? 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. What is the cost? 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. Back to Top Personal Loans What can I use a personal Loan for and do you need security? 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. Back to Top Property Loans What if my property has a mortgage on it? 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. Do I need to have my property insured? 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. What if the property is owned by a Trust? 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. Back to Top Car Loans Do you do Pre Approvals? 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. Do you finance Private Sales? Yes. 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. Back to Top Complaints What if I want to make a complaint? 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 enquires@loansmart.co.nz, or call us on 0800 255 155 so we can discuss with you. You can also write to us at:PO Box 28231,Remuera,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 2572. by emailing complaints@fscl.org.nz3. through FSCL’s website: www.fscl.org.nz4. by writing to: FSCL, PO Box 5967 WELLINGTON 6011 Back to Top 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. I just wanted to say thanks Auckland Loans, everything you promised was delivered, great communication. Well done! John T, Welsford “Thanks for your patience and explaining all the options. Having all my debts covered has simplified my life and put me back on track.” Paul G, Auckland “Just had to let you know how impressed I was with your service. Easy online application, couple of emails and a quick trip to your office – sorted!” Susan M, Auckland “Finally a company that lives up to the promises on its website! Well done Auckland Loans you made the whole process very easy.” Rachael Barnes, Hamilton Get Started Today ### Testimonials Interest Rates from 8.95% Auckland Loans Your first choice in lending Get My Loan Now Auckland Loans Testimonials What some of our customers have to say “I just wanted to say thanks Auckland Loans, everything you promised was delivered, great communication. Well done!” John T Welsford “Thanks for your patience and explaining all the options. Having all my debts covered has simplified my life and put me back on track.” Paul G Auckland “Just had to let you know how impressed I was with your service. Easy online application, couple of emails and a quick trip to your office – sorted!” Susan M Auckland “Finally a company that lives up to the promises on its website! Well done Auckland Loans you made the whole process very easy.” Rachael Barnes Hamilton Get Started Today Auckland Loans does not offer short-term loans, all of our loans have terms between six and sixty months. We believe that our clients can better meet their repayment requirements with longer repayment terms.Our current interest rates range from 8.95% APR (Annual Percentage Rate) to a maximum APR (Annual Percentage Rate) of 29.95%. All rates are fixed for the duration of the agreement and are determined by your credit history, the security offered, and your overall credit profile. ### Thank You Thank You Thanks for geting in touch! Your contact form submission was successfully received, one of our team members will get in touch with you shortly. Go Back to home ### How Much Can I Borrow? Auckland Loans Interest Rates from 9.95%* Get My Loan Now Auckland Loans How Much Can I Borrow? These payments are indicative only and calculated over a calendar year. Optional insurance and any establishment fees have not been included.All loan quotes are subject to:1- Full application details2- The lenders conditions at the time of application3- Confirmation from an Auckland Loans representative Unsecured Loan Repayment Calculator Want to know how much your weekly repayments will be? Try our quick and easy online loan repayment calculator. These repayments are for an Unsecured Loan and are indicative only. All loans are subject to full application, Lenders Conditions and confirmation from an Auckland Loans representative. Weekly Payment Total over 6 Months Total over 12 Months Total over 24 Months Total over 36 Months Total over 48 Months Total over 60 Months Apply Now Please enable JavaScript in your browser to complete this form.Please enable JavaScript in your browser to complete this form.How much? How much? Repayment Term Weekly Total Payable 12 months$0$0 24 months$0$0 36 months$0$0 48 months$0$0 60 months$0$0 72 months$0$0 84 months$0$0 Submit Calculated at an example rate of 12.95% – our Annual Interest Rates (AIR) range from 9.95% – 35.50% with loan terms of 6 Months to 84 months.Fee’s apply including a Lender Establishment fee of up to $215 and a Loansmart Fee of up to $995Approval is subject to Lending Criteria, affordability assessment and confirmation from a Loansmart representative. Apply Now 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. I just wanted to say thanks Auckland Loans, everything you promised was delivered, great communication. Well done! John T, Welsford “Thanks for your patience and explaining all the options. Having all my debts covered has simplified my life and put me back on track.” Paul G, Auckland “Just had to let you know how impressed I was with your service. Easy online application, couple of emails and a quick trip to your office – sorted!” Susan M, Auckland “Finally a company that lives up to the promises on its website! Well done Auckland Loans you made the whole process very easy.” Rachael Barnes, Hamilton Get Started Today ### Debt Consolidation Loans Auckland Loans Interest Rates from 9.95%* Get My Loan Now Auckland Loans Debt Consolidation Loans  You can simplify your finances and pay off loans and existing debts more affordably with a loan debt consolidation loan. They can be a great option if you want to lock in a more affordable repayment amount. Generally, we see $15,000 as the average, with the smallest amount being $2,000 and the largest $100,000. Typically, people consolidate two to five loans, but the largest we've consolidated was 12. Make your loan application online today! Or check out more about how to choose the best debt consolidation loans.  Get Started Today Auckland Loans We Make It Easier By taking out a debt consolidation loan all of your existing loans, credit cards, and other repayments are combined into one easy-to-manage loan. Your repayments can be spread out over a longer period, so they will be more affordable. Sometimes you can top up your loan at the same time.  Apply Online We Provide More Options With a debt consolidation calculator, you can see at a glance what your loan repayments will be if you spread them out over 1 - 7 years. To see how much you could save with an Auckland Loans Debt Consolidation Loan, try our easy online calculator.Alternatively, you can call our friendly team on 0800 255 155 for a no-obligation quote. Loan Calculator Auckland Loans does not offer short-term loans, all of our loans have terms between 6 and 84 months. Terms and conditions apply.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. We always aim to keep our rates and fees transparent. I just wanted to say thanks Auckland Loans, everything you promised was delivered, great communication. Well done! John T, Welsford “Thanks for your patience and explaining all the options. Having all my debts covered has simplified my life and put me back on track.” Paul G, Auckland “Just had to let you know how impressed I was with your service. Easy online application, couple of emails and a quick trip to your office – sorted!” Susan M, Auckland “Finally a company that lives up to the promises on its website! Well done Auckland Loans you made the whole process very easy.” Rachael Barnes, Hamilton Get Started Today Debt Consolidation FAQs Thinking about bringing all your debts into one, easily-managed loan? Here are the questions people typically ask about debt consolidation. When is debt consolidation the right choice?Many people leave debt consolidation to the last minute, by which time their finances have often become worse. This can affect their credit rating and make it harder to consolidate debts at the standard interest rate. While it would be nice if your money challenges came right by themselves, this seldom happens. But debt consolidation isn’t necessarily the first thing you should do. Here are some things it often helps to do first:Avoid getting behind, or further behind, in your current repayments if you possibly can. If you’re facing a temporary money problem and may not be able to meet your upcoming repayments, talk to the lender as soon as possible. A lender may be able to adjust your repayment plan to help see you through, because they don’t want you to get behind either. It pays to get rid of any card, loan or buy-now-pay-later accounts that could make it easy for you to borrow more. Finally, it always pays to get independent advice from a financial adviser or budgeting service, especially when you’re struggling to get your finances sorted. How can a consolidation loan help?One of the things people like most about a consolidation loan is the weight it lifts off their shoulders. It doesn’t make your overall debt go away, but when it’s combined with a realistic budget and some helpful money management advice, it does bring peace of mind and a clear path to being debt-free. Here’s how:Instead of multiple debts with different repayments and due dates, you just have one. The regular repayments for your new loan can be timed to match your weekly, fortnightly or monthly pay day. The repayment amounts can usually be adjusted to suit your situation by altering the time it will take to repay the loan in full. Worrying about late payment fees and further damage to your credit rating becomes a thing of the past. Are there any debts that can’t be included in a consolidation loan?When you apply for a consolidation loan, the lender will need to know about all of your debts, including the ones you don’t plan to consolidate. It’s all part of working out how much you can afford to repay. If it’s not possible to consolidate one of the debts that you wanted to, they’ll let you know.In the meantime, here are some of the debts that typically can’t be consolidated:Tax paymentsLoans from the government, such as an MSD loanHousing loans, such as a mortgage or First Home LoanDebts arising from a lawsuitSecured loans, unless the security can be released when its repaid by the consolidation loan providerAs you can see, most kinds of debt can usually be consolidated. This includes everything from credit cards and buy-now-pay-later loans, to dentist bills and overdue rent. The main thing is to ask sooner rather than later, so things don’t get worse. Learn more about how to consolidate loans & credit cards.  How difficult is it to get a consolidation loan?Everyone’s situation is different, but there’s one thing most will have in common – the longer you wait to ask about a consolidation loan, the more difficult it usually becomes to get one. That’s because most people’s debts just get worse while they’re hoping things will somehow fix themselves.The more your debts build up and the more payments you miss, the more risk you bring to a consolidation loan provider. But they’re not there to judge, they just to help if they reasonably can. There’s no point in them giving you a loan that you can’t afford and there may be better options they can suggest. This might include helping you prepare an uncomfortable-but-realistic budget to start building a lower-risk financial history and get things back on track. It’s amazing the difference that just having a reliable plan can make to how you feel. Can you get a consolidation loan if you’ve missed payments in the past?If you’ve missed paying bills, credit cards or loans in the past, you may have a poor credit score. This is something that all utility, phone and credit organisations can look at before signing you up. You can check your own score online through one of the authorised credit score and credit report providers.However, a poor credit score doesn’t necessarily mean you can’t get a consolidation loan. It just means you appear to have a higher risk of not paying on time, depending on your financial history. Lenders often manage this risk by charging a higher interest rate, at least until you’ve had a year or so to prove you’re now better at managing repayments. But no responsible lender will sign you up to a consolidation loan with an interest rate they think you can’t afford. They may be able to suggest alternative ways to reduce their risk, and therefore the interest rate, such as using something you own as security for the loan or having a guarantor – that’s someone who legally guarantees to meet the repayments if you can’t. Is your credit score affected by getting a consolidation loan?The short answer is ‘yes it is’, but usually in a good way. Consolidation loans simplify your debts into one loan with a fixed interest rate and, ideally, a sensible repayment plan. These benefits help you to avoid missed payments that can harm your credit score. Consolidation loans also provide a clear sign that you’ve taken control of your finances in a responsible and effective way. As you continue making regular on-time repayments, your credit score can only improve. Where does the money from a consolidation loan go?A consolidation loan is designed to repay your multiple debts, leaving you with just one loan to manage. The lender will have calculated your ability to repay their loan on that basis. To help ensure this happens, most lenders will repay your debts directly on your behalf. They’ll just ask you for the other lenders’ account details and how much is owed in each case. If you have used an asset as security with another lender, and that asset will become security for your consolidation loan, your new lender will definitely need to repay that loan directly on your behalf. This is to make sure the existing security over the asset is released.If part of your consolidation loan agreement includes a cash payment to help see you through, the lender will transfer that amount to your bank account. How long can you take to repay a consolidation loan?Consolidation loans are designed to help you get back on track as soon as possible, not stay in debt forever.  Depending on your circumstances, the time to repay it in full (the term) can be anything from six months to five years, or sometimes even longer.A longer term will reduce your regular repayment amounts, but you’ll end up paying interest for longer, so the total cost of the loan will be higher. On the other hand, trying to repay your loan too quickly can put you right back where you started – stressed and damaging your credit score further. So choosing the best term for your situation is about finding a sensible and manageable balance between realistic repayments and the total cost of the loan over its term. Can you repay a consolidation loan before it’s due?Most consolidation loans have a fixed interest rate for the life of the loan. This makes it easy to plan ahead and budget with confidence. However, unlike fixed interest rate home loans, consolidation loans can usually be paid off early without attracting an early repayment penalty.If you get a wage increase or receive a lump sum from something like an inheritance, it pays to get independent financial advice before deciding what to do. Paying off your consolidation loan may or may not be the best option. Depending on your circumstances, it might be better to first build an emergency fund, for example. Then if things continue to go well, you can look at repaying your consolidation loan faster or in full before it’s due. How much debt consolidation loan can I get?You can borrow up to $75,000 unsecured and up to $150,000 secured, sometimes more. Check out our article on a $50,000 Personal Loan to learn what the repayments could be.  Can I get a debt consolidatin loan with low interest rate?Secured debt consolidation loans start from 9.95% and unsecured debt consolidation loans from 11.95%. Both interest rates are significantly lower than many credit cards, and even some banks.  Can I get a debt consolidation loan with a low credit score?It is possible to get a debt consolidation loan even if you have a low credit score as long as you can afford the repayments. A restructured loan will lower your repayments, increasing your discretionary income.  Can I get a debt consolidation loan with bad credit?There are a lot of borrowers with bad credit who can consolidate their loans with low interest rates and lower repayments. In turn, this enables them to meet their loan repayments easier, which improves their credit score. It’s a win-win situation! ### Bad Credit Loans Bad Credit Loans Get a second chance with a low-cost lender Get My Loan Now Auckland Loans Bad Credit Loans More options. Higher approval rates. Same day service* Apply online in just 2 minutes Borrow up to $75,000 We find solutions for most borrowers Auckland Loans is a low-cost lender that works with all credit ratings and payment histories. When your credit score is below average, you are wise to make a loan application with a low-cost lender to make your repayments more manageable and your interest costs lower. We’ve encountered every type of lending situation before and can provide affordable solutions, such as our bad credit loans, to most.Our experienced team of local loan consultants work hard to find solutions that are budget-friendly. Benefit from fairer terms, fees, interest rates and a team that cares. We believe everybody should have access to low-cost loans, regardless of their credit history.*Subject to responsible lending checks and lending criteria. Get Started Today Fast, Local Service That's Low Cost Too Bad Credit? Here's What We Can Do Just because you have bad credit, doesn't mean you have to be hit with high interest rates and fees. Our team works hard to find affordable solutions - fast. We have very high approval rates.Here’s how we help youWe seek to understand why you have a poor credit ratingWe look at all your optionsWe look for ways to make your repayments more affordableWe work hard to get your loan approved fasterWe're here to help until your loan's paid offDon't pay more than you need to. It costs nothing to give us a call to discuss your options. You can also apply online. Get Started Today Why Auckland Loans At Auckland Loans, we understand that life doesn't always go according to plan. Sometimes unforeseen circumstances can lead to a bad credit rating, making it difficult to secure a loan when you need it most. That's where we come in.Our goal is to not only help you obtain a loan but to also help you succeed in repaying it.Our team works hard to keep your repayments affordable, and your interest rates low so it’s easier for you to meet your payments on time.By meeting your repayments on time, you'll not only be on track to pay off your loan, but you'll also be building up your credit score.So take that first step towards a secure financial situation and get in touch with us. Get My Loan Now Make loan repayments easier Bad Credit Debt Consolidation Loans Paying off multiple loans can feel like an uphill battle. It's common for people with less than perfect credit scores to turn to high-cost lenders when they need extra cash. Turning to high-cost lenders will only add to your stress. Call us instead.Debt consolidation for borrowers with poor credit scores is what we do best. Consolidating your high-interest loans into one lower-interest loan can lower your costs and make repayments more manageable. As well as providing immediate relief, you might qualify for a cash top-up. Take advantage of our free quote and get started. We help all sorts of borrowers, including those needing instant loans for fair credit.  Get Started Today Our Loan Approval Process The process of applying for a bad credit loan is easy with Aucklan loans.It takes just a couple of minutes and it’s all done online.No need to download, print, scan, or email documents.Apply online in 2 minutesWe call to introduce ourselves and discuss your needsWe look at how we can make your existing loans more affordableWe put your application out to multiple low-cost lendersWe present you with optionsWe discuss which one is best for youYou get approved*Funds are deposited into your bank account the same day or nextApply once to get multiple options from low-cost lenders that help all sorts of borrowers, even those with less-than-perfect credit scores.*Subject to responsible lending checks and lending criteria. Get My Loan Now Auckland Loans Best Rates and Repayment Options Apply once for the best rates and repayment options from many lenders Using us is like applying to lots of different lenders but only one application form completed. A single application goes to multiple low-cost lenders. More lenders mean more chances of approval. It's also faster and easier.  Get My Loan Now Fast, Free Quotes We believe everybody should have access to low-cost loans, regardless of their bad credit history. We offer more options and have more inclusive lending criteria, so be sure to get your free quote today!Apply online or give us a call to discuss your options. Give Us A Call Now 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. I just wanted to say thanks Auckland Loans, everything you promised was delivered, great communication. Well done! John T, Welsford “Thanks for your patience and explaining all the options. Having all my debts covered has simplified my life and put me back on track.” Paul G, Auckland “Just had to let you know how impressed I was with your service. Easy online application, couple of emails and a quick trip to your office – sorted!” Susan M, Auckland “Finally a company that lives up to the promises on its website! Well done Auckland Loans you made the whole process very easy.” Rachael Barnes, Hamilton Get Started Today ### Car Finance Loans Auckland Loans Interest Rates from 9.95%* Get My Loan Now Auckland Loans Car Loans Your Car - Your ChoiceWhen you apply for a pre-approved car loan with us, you can negotiate a deal knowing your loan is approved. To get the best price, you can buy through Trade Me, a vehicle tender, from a registered trader, or at auction.Unlike some others, we do not need to approve your car before offering finance. Our team is here to help you make your buying decision hassle-free while safeguarding your interests. Apply Online Auckland Loans Peace-of-Mind Purchasing Our service includes a security check on the vehicle you select to ensure that it isn't stolen and no outstanding loans are owed on it.Additionally, we ensure that the proceeds of the loan are transferred to the right person.You'll be driving your new car in no time! Get Started Today Car Loan Refinancing If you're having trouble making payments on an existing car loan or you believe you’re being charged too much, we can try to help.Our team can provide you with a no-obligation assessment of your existing loan to see if we can provide you with something more manageable.Alternatively, you can use our handy online calculator to get an estimate immediately. Try Our Calculators 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. I just wanted to say thanks Auckland Loans, everything you promised was delivered, great communication. Well done! John T, Welsford “Thanks for your patience and explaining all the options. Having all my debts covered has simplified my life and put me back on track.” Paul G, Auckland “Just had to let you know how impressed I was with your service. Easy online application, couple of emails and a quick trip to your office – sorted!” Susan M, Auckland “Finally a company that lives up to the promises on its website! Well done Auckland Loans you made the whole process very easy.” Rachael Barnes, Hamilton Get Started Today ### Personal Loans Auckland Loans Interest Rates from 9.95%* Get My Loan Now Auckland Loans Personal Loans Easy Personal Loans at Competitive RatesAuckland Loans strives to make the lending process as easy and straightforward as possible for our customers. If you need money to pay off other loans, make renovations, or take a well-deserved vacation, we are here to help!To fit your budget, you can choose weekly, fortnightly, or monthly loan repayment options. Even borrowers with less than ideal credit ratings can find solutions with our experienced lenders.You can apply for online loans using our easy application form, or contact our friendly team at 0800 255 155 for more information. Apply Online Auckland Loans Emergency Cash Loans When the unexpected happens, it helps to have a fast, fair and affordable lender you can turn to. We understand that sometimes life isn’t always plain sailing, so if an unexpected situation arises we are normally able to help with most settlements happening the same day*.Finances are the last thing you need to worry about when an unexpected situation arises. This is why we made it easy for our customers to apply for an emergency loan online.*Subject to responsible lending checks and lending criteria. Get started Now How Much Can I Borrow? Our online calculators will provide you with an estimate of your borrowing capacity and what your repayments will be.Using these calculators, you can figure out if a loan fits into your budget and how repayments will affect your monthly expenses. Your actual loan repayments will depend on factors such as your credit history. You can also use our Debt Consolidation Calculator if you have existing loans to see if you can reduce your repayments. Loan Calculator Getting A Loan Approved Applying for a loan with Auckland Loans is easy.Simply fill out our online application form and one of our loan consultants will be in touch with you. We keep you fully informed throughout the entire loan process until the funds are deposited into your account. Our experience and knowledge enables us to find you a solution that's right for you, with payments you can afford.Upon receiving your application, we will discuss all available loan options with you to find the best fit for your lending needs. We then work as fast as possible to get your loan approved and paid out. Our goal is to secure the best loan for you at the best rate, as simply as possible. Our Process 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. I just wanted to say thanks Auckland Loans, everything you promised was delivered, great communication. Well done! John T, Welsford “Thanks for your patience and explaining all the options. Having all my debts covered has simplified my life and put me back on track.” Paul G, Auckland “Just had to let you know how impressed I was with your service. Easy online application, couple of emails and a quick trip to your office – sorted!” Susan M, Auckland “Finally a company that lives up to the promises on its website! Well done Auckland Loans you made the whole process very easy.” Rachael Barnes, Hamilton Get Started Today Personal Loan FAQs What can I use a Personal Loan for?Personal loans is a term used to cover a wide variety of loans. You can use your Auckland Personal Loan for pretty much any ‘personal’ reason so long as it’s legal! You receive a lump sum payment to cover expenses or purchases.Common uses are – emergency loans, wedding loans, holiday loans, car loans, and home renovation loans. You can even use a personal loan to consolidate debt into one, typically more affordable, loan. This type of personal loan is called a Debt Consolidation Loan. What security do you use?If you are borrowing up to $75,000, you may not need to provide security. Whether or not you need security will depend on your financial circumstances. The majority of our loans are unsecured. If you do require security your Loan Consultant will discuss this with you. Typically we can use late model cars as security, or homes.  What if I have a poor credit rating or defaults?We can normally assist if we know the circumstances. In most cases we can still help or we may require additional security. This type of loan is typically referred to as a Bad Credit Loans or, as we like to refer to them – Second Chance Loans.There are many reasons people end up with a poor credit score, and sometimes it’s due to situations beyond their control. We understand this and work hard to find affordable solutions that work for each client.  If you have poor credit, it’s important to choose a company with a team that is empathetic and will take the time to listen to your story.That’s us! We help hundred’s of people each week who have less than favourable credit ratings obtain finance. We’ve been doing it a long time and we are very good at it! What is the process for applying for a loan?There are essentially 7-steps to loan application success! The great news is we take care of 4 of them for you. All you need to do is apply for a loan online, and provide us with Photo ID & recent bank statements securely online. Learn more about How To Apply For A Personal Loan. Who will see my application?We treat your application confidentially and the only people who will see your application are Loansmart and any loan provider that we send it to.  What if I need help applying?Just give us a call. Our team of experienced and helpful consultants will talk you through the process. We answer our phones super fast, so you won’t have to wait. Give us a call now on 0800 255 155 How do I get my information to 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.  Your Personal Loan Consultant will go through this with you. I can't find the answer to my query?Please contact us on 0800 255 155 ### Blog ### Apply Now Your Details * Indicates required field Please enable JavaScript in your browser to complete this form.Please enable JavaScript in your browser to complete this form.Loan Details How much do you need? *What is the money for? *Select a loan purposeRefinance / debt consolidationPurchase Household asset/sVehicle Repairs and MaintenanceVehicle PurchaseHoliday/TravelWedding/Funeral/EventAssisting FamilyRenovations / Home improvementMedical expensesBusiness purchase / expensesOtherAbout you First Name *Middle NameLast Name *Date of Birth *Email Address *EmailConfirm EmailNZ Mobile Number *Gender *MaleFemaleI prefer not to sayAccommodation Details Living Situation *OwnRentingBoardingLiving with ParentsCurrent Address in New Zealand *Valid Photo ID Valid Photo ID is required to obtain a loan. 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(the)Congo (the)SwitzerlandCôte d'IvoireCook Islands (the)ChileCameroonChinaColombiaCosta RicaCubaCabo VerdeCuraçaoChristmas IslandCyprusCzech Republic (the)GermanyDjiboutiDenmarkDominicaDominican Republic (the)AlgeriaEcuadorEstoniaEgyptWestern SaharaEritreaSpainEthiopiaFinlandFijiFalkland Islands (the) [Malvinas]Micronesia (Federated States of)Faroe Islands (the)FranceGabonUnited KingdomGrenadaGeorgiaFrench GuianaGuernseyGhanaGibraltarGreenlandGambia (the)GuineaGuadeloupeEquatorial GuineaGreeceSouth Georgia and the South Sandwich IslandsGuatemalaGuamGuinea-BissauGuyanaHong KongHeard Island and McDonald IslandsHondurasCroatiaHaitiHungaryUpper VoltaIndonesiaIrelandIsraelIsle of ManIndiaBritish Indian Ocean Territory (the)IraqIran (Islamic Republic of)IcelandItalyJerseyJamaicaJordanJapanKenyaKyrgyzstanCambodiaKiribatiComoros (the)Saint Kitts and NevisKorea (the Democratic People's Republic of)Korea (the Republic of)KuwaitCayman Islands (the)KazakhstanLao People's Democratic Republic (the)LebanonSaint LuciaLiechtensteinSri LankaLiberiaLesothoLithuaniaLuxembourgLatviaLibyaMoroccoMonacoMoldova (the Republic of)MontenegroSaint Martin (French part)MadagascarMarshall Islands (the)Macedonia (the former Yugoslav Republic of)MaliMyanmarMongoliaMacaoNorthern Mariana Islands (the)MartiniqueMauritaniaMontserratMaltaMauritiusMaldivesMalawiMexicoMalaysiaMozambiqueNamibiaNew CaledoniaNiger (the)Norfolk IslandNigeriaNicaraguaNetherlands (the)NorwayNepalNauruNiueNew ZealandOmanPanamaPeruFrench PolynesiaPapua New GuineaPhilippines (the)PakistanPolandSaint Pierre and MiquelonPitcairnPuerto RicoPortugalPalauParaguayQatarRéunionRomaniaSerbiaRussian Federation (the)RwandaSaudi ArabiaSolomon IslandsSeychellesSudan (the)SwedenSingaporeSloveniaSvalbard and Jan MayenSlovakiaSierra LeoneSan MarinoSenegalSomaliaSurinameSouth SudanSao Tome and PrincipeEl SalvadorSint Maarten (Dutch part)Syrian Arab RepublicSwazilandTurks and Caicos Islands (the)ChadFrench Southern Territories (the)TogoThailandTajikistanTokelauTimor-LesteTurkmenistanTunisiaTongaTurkeyTrinidad and TobagoTuvaluTaiwan (Province of China)UkraineUgandaJohnston IslandMidway IslandsUnited States Minor Outlying Islands (the)United StatesUruguayUzbekistanHoly See (the)Saint Vincent and the GrenadinesVenezuela (Bolivarian Republic of)Virgin Islands (British)Virgin Islands (U.S.)Viet NamVanuatuWallis and FutunaSamoaYemenMayotteSouth AfricaZambiaSouthern RhodesiaZimbabweVisa Number *Visa start date *Visa expiry date *How much do you earn each week? *Can someone join the loan with you? *YesNoWe are sorry, but a higher income will be required to have a loan approved How much do they earn weekly? *We are sorry, but a higher income will be required to have a loan approved Anything extra If there is anything else you would like to tell us: Privacy Declaration & the Disclosure Statement *Tick box to accept the Privacy Declaration & the Disclosure StatementI hereby consent to electronic disclosure to the email 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You also confirm you have read and understood our Disclosure Statement and the type of advice we do and do not offer. Apply Now ### Contact Auckland Loans Interest Rates from 9.95%* Get My Loan Now Auckland Loans Contact Us Auckland Loans is 100% New Zealand owned and operated. We’ve helped thousands of Kiwis for over 15 years. With our experience and knowledge, we strive to find a solution that is right for you and fits within your budget. We will discuss loan options with you, and move fast to get your loan approved and paid out as soon as possible. Address 33 Broadway, Newmarket, Auckland Phone 0800 255 155 Email loans@aucklandloans.co.nz Get In Touch First Name *Last Name *PhoneEmail *Message *Submit by FormLiftPlease Wait... Success! Something is wrong with your submission. ### About Auckland Loans Interest Rates from 9.95%* Get My Loan Now Auckland Loans About Us Auckland Loans is a Finance Broker providing loans to consumers in the Auckland Region. Taking out a loan can be a stressful and confusing experience. There are so many different types of loans, with a wide range of interest rates and repayment options to choose from. Our philosophy is quite simple: provide competitive loans as quickly as possible without stressing out our customers! We make it quick and easy to apply online, find our your eligibility today! Auckland Loans is a trading name of Loansmart Limited, and Loansmart has a class 2 Financial Advice Provider Licence issued by the Financial Markets Authority to provide Financial Advice. With 15 years of experience, you can rest assured that we know what we are doing and look forward to providing you with great service and a great deal to match. You can view the Loansmart Disclosure Statement here Loansmart is an Associate Member of the Financial Services Federation, we support and promote responsible behaviour when providing financial services to New Zealanders. Here are links to the Responsible Lending Guidelines and The Code of Responsible Borrowing. Get Started Today Auckland Loans Fast, Smooth Loans Our goal is to provide competitive loans as quickly and smoothly as possible. We aim to approve and pay out your loan the same-day*, without any undue stress or drama.*Subject to responsible lending checks and lending criteria. We Value You Every customer matters to us and for this reason we go out of our way to provide you with the very best lending experience. We achieve this by making the lending process as hassle-free as possible and by offering great solutions tailored to your needs. Get Started Today We Provide More Options Our goal is to be your first choice for all your borrowing needs, from personal loans to debt consolidation. Each customer's borrowing situation is different, so we offer a wide range of products. The majority of our customers can find great solutions through us. We Are A Low Cost Lender The interest alone charged by high-cost lenders is more than 50%. Current interest rates range from 9.95% to 35.50%. We sometimes offer lower interest rates than banks on unsecured loans.Our Loan Calculator can help you get an idea of what our loans cost, but remember that everyone's financial situation is different. You may pay more or less than this example. Find out what rate would apply to you by applying online or calling us. How Much Will It Cost Auckland Loans does not offer short-term loans, all of our loans have terms between 6 and 84 months. Terms and conditions apply. 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. I just wanted to say thanks Auckland Loans, everything you promised was delivered, great communication. Well done! John T, Welsford “Thanks for your patience and explaining all the options. Having all my debts covered has simplified my life and put me back on track.” Paul G, Auckland “Just had to let you know how impressed I was with your service. Easy online application, couple of emails and a quick trip to your office – sorted!” Susan M, Auckland “Finally a company that lives up to the promises on its website! Well done Auckland Loans you made the whole process very easy.” Rachael Barnes, Hamilton Get Started Today ### Our Process Auckland Loans Interest Rates from 9.95%* Get My Loan Now What Is It Like To Apply For A Loan With Auckland Loans? Our Process Applying for a loan with Auckland Loans is easy! Simply complete our online application form and one of our consultants will be in touch with you. We keep you fully informed throughout the entire loan process until the funds are deposited into your account. Our experience and knowledge enable us to find a solution that's right for you, with payments you can afford. Get Started Today Auckland Loans Fast, Smooth Loans We have a simple online loan application which is followed up by one of our Loan Consultants keeping you fully informed throughout the process until your loan is settled and the money is in your account.Upon receiving your application, we will discuss available loan options with you to find a good fit for your lending needs. We then work as fast as possible to get your loan approved and paid out.Our helpful team is committed to offering you a superior lending experience. Get Started Today 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. I just wanted to say thanks Auckland Loans, everything you promised was delivered, great communication. Well done! John T, Welsford “Thanks for your patience and explaining all the options. Having all my debts covered has simplified my life and put me back on track.” Paul G, Auckland “Just had to let you know how impressed I was with your service. Easy online application, couple of emails and a quick trip to your office – sorted!” Susan M, Auckland “Finally a company that lives up to the promises on its website! Well done Auckland Loans you made the whole process very easy.” Rachael Barnes, Hamilton Get Started Today ### Home Interest Rates from 9.95%* Personal Loans Online Better Local Lending Same Day Service High Approval Rates *Subject to responsible lending checks and lending criteria. Get My Loan Now Easy Online Application Rates From 9.95%* Fast Loan Payout Auckland Loans Fast Loans Online Low Cost Lending Tailored To You At Auckland Loans, we strive to make local lending easier. Our purpose is pretty simple: provide competitive loans as fast as possible without stressing out our customers! Use our online application service and sign up today with our low establishment fee.  We specialise in lending to Auckland-based consumers without the drama usually associated with borrowing money. We believe access to cash loans should not be difficult, so long as you can afford your monthly repayments. That’s why we have made it our mission to make the lending process as simple, quick and easy as possible. Regardless of your situation or how much you need, we make it our goal to find the perfect loan option for you.Even better, we are a low cost lender, which means our rates are highly competitive. You may qualify for a personal loan interest rate as low as 9.95%*, depending on your circumstances. It costs nothing to see what rate you might qualify for.You'll get more low-cost loan options and the support of a friendly, local team. Apply online or give us a call.*Subject to responsible lending checks and lending criteria. Get Started Today Get a better deal with Auckland Loans More Loan Options & Competitive Rates Unsecured loans up to $75,000Secured loans up to $150,000Larger loans by application6 - 84 months to payMany loans are approved in 1 - 2 hours*Debt consolidation to save money and make payments easier - you may even qualify for a top up.Applying for a loan with Auckland Loans is easy! Simply fill out our 2 minute online application form and one of our loan consultants will be in touch with you. We offer a range of loan options to meet your needs. Our goal is to secure the best loan for you at payments you can afford.We move fast to get your loan approved faster. We keep you fully informed throughout the entire loan process until the funds are deposited into your account. You can also reach out to us at any time to discuss your lending needs throughout the duration of your loan.**Subject to responsible lending checks and lending criteria. Why Auckland Loans? Lower Rates, Faster Service, Easy Process Our work at Auckland Loans is guided by a few goals that have earned us a reputation for excellence. Because we know you have a choice, we have provided a few reasons for choosing us:We provide low-cost loans starting at 9.95%*We find solutions for most borrowersWe present you with more optionsWe look for ways to keep your repayments affordableWe try to help people with bad creditWe move fast, and aim to offer same-day approvals*We make it easy to apply and keep it 100% online!*Subject to responsible lending checks and lending criteria. Get Started Today How Quickly Can I Get A Loan? 1. Apply online in just a couple of minutes. 2. Provide us with a photo ID & recent bank statements. This is done online quickly, easily & securely. 3. We’ll call to introduce ourselves and discuss your needs. 4. We assess your application and find the best options for you. 5. One – two hours* later we present our options and you tell us which one you prefer. 6. Loan documents are sent through for you to e-sign. 7. *Funds are deposited into your account the same day. Learn More About Us What Would You Like To Apply For? Our team of loan consultants is one of the most experienced in the country, and we go above and beyond to find great solutions for our clients. Regardless of your situation or how much you need, we make it our goal to help you. We can even offer interest rates lower than banks and other finance companies in some situations.  Personal Loan Get the best of both words – fast borrowing and competitive interest rates. We offer secured and unsecured loans. Find Out More Car Loan Getting a car loan from Auckland Loans is easy, affordable and fair! Apply now and funds could be in your account tomorrow. Find Out More Debt Consolidation Pay off your current debts and start over with a low-cost lender. You can time your repayments with when you are paid in one easy-to-manage loan. Find Out More Bad Credit Loans Get a second chance from a team that provides fast, friendly service. We try to offer low-cost loans regardless of your credit score. Find Out More Same Day Loans Auckland Loans is your local lender with low cost lending tailored to your needs. We understand that sometimes you need money in a hurry. Find Out More Unsecured Personal Loans With Auckland Loans, you will be able to access fair, low-cost loans from our loan providers at highly competitive interest rates. Find Out More Secured Loans Auckland Loans offers unsecured loans up to $150,000. Sometimes we can even go beyond this limit. Find Out More Fast Loans By using the latest technology and a team of savvy loan advisors, we’re able to say yes more often, and more quickly. Find Out More Unsecured Car Loans Need a new car right now? Auckland Loans makes it easier for you to get into a new set of wheels. Find Out More I just wanted to say thanks Auckland Loans, everything you promised was delivered, great communication. Well done! John T, Welsford “Thanks for your patience and explaining all the options. Having all my debts covered has simplified my life and put me back on track.” Paul G, Auckland “Just had to let you know how impressed I was with your service. Easy online application, couple of emails and a quick trip to your office – sorted!” Susan M, Auckland “Finally a company that lives up to the promises on its website! Well done Auckland Loans you made the whole process very easy.” Rachael Barnes, Hamilton Get Started Today *Subject to responsible lending checks and lending criteria.* Fixed interest rates range from 9.95% p.a. to a maximum of 35.50% p.a. on a minimum 6 months to a maximum 84-month term. Fees apply.Example: A loan of $10,000 over 60 months at 12.95% has a Lender Establishment Fee of $215, a Loansmart fee of $745 and a weekly payments of $57.33. The total amount payable is $14,906.36. This equates to an Annual Percentage Rate (APR) of 17.12%If you need, you can always use our loan calculator for free!