Bad Credit Loans

Get a second chance with
a low-cost lender

Auckland Loans

Bad Credit Loans

More options. Higher approval rates. Same day service*

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 choose 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 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.

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 you

  • We seek to understand why you have a poor credit rating
  • We look at all your options
  • We look for ways to make your repayments more affordable
  • We work hard to get your loan approved faster
  • We’re here to help until your loan’s paid off

Don’t pay more than you need to. It costs nothing to give us a call to discuss your options. You can also apply online.

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 payments 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 financial security and get in touch with us.

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.

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.

  1. Apply online in 2 minutes
  2. We call to introduce ourselves and discuss your needs
  3. We look at how we can make your existing loans more affordable
  4. We put your application out to multiple low-cost lenders
  5. We present you with options
  6. We discuss which one is best for you
  7. You get approved*
  8. Funds are deposited into your account the same day or next

Apply 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.

Auckland Loans

Best Rates and Repayment Options

Apply once for the best rates and repayment options from many lenders

Did you know that every time you apply for a loan, a credit check is completed? These checks are recorded on your credit history. Having lots of recent credit checks can negatively impact your score, as can ‘declines’.

Using us is like applying to lots of different lenders but only one credit check is completed. A single application goes to multiple low-cost lenders. More lenders mean more chances of approval. It’s also faster and easier.

Fast, Free Quotes

We believe everybody should have access to low-cost loans, regardless of their 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.

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.