Auckland Loans

Interest Rates from 9.95%*

Auckland Loans

Personal Loans

Easy Personal Loans at Competitive Rates

Auckland 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.

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.

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.

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.

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.

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 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