Options with Personal Loans

What are your Options?

A personal loan can be a good way to pay for things you need now or get a better deal on something you want by being able to pay in cash.

If it’s for business or personal use, we can help you get what you need.

Other key benefits include:

  • Tailored to your individual requirements
  • Fixed interest rates and no unexpected charges or hidden fees
  • Repayments can be aligned with your salary or wages

Personal Loan Options


If a personal loan doesn’t fit your current circumstances in terms of eligibility, Auckland Loans has a number of other options available that may work. If you don’t have an asset we can use as security and you don’t have a guarantor to provide security, you may qualify for an unsecured loan. Depending on the loan purpose you may also be interested in a Debt Consolidation Loan, or Car Finance.

We also offer second mortgages for larger amounts.

To get started complete our application form and a dedicated lending consultant will be in touch with you.


  • Available throughout New Zealand
  • Fast approval and a five-minute loan application form
  • Six to 60-month pay-back terms

We’re 100% online and your loan application can be submitted via any device 24/7, PC, laptop, tablet or phone.

If your application is approved, we’ll transfer funds the same business day to your account so you can use the money straight away.

How much could I borrow?

The maximum amount we can approve for you is determined by your capacity to meet the repayments and the collateral pledged to secure the loan.

You can use our calculators as a guide.


Personal loans must be secured by an asset such as a motor vehicle, house or land.  In some cases, we can use your personal chattels (household contents).

Cars or Motor Vehicle

Must be 1997 or newer, with a current registration and warrant of fitness and no money owing.

Home or Land

We can look at the difference between what it is worth and what you owe the bank

Other assets

Other assets can sometimes be used, however, if you only have household items, consider one of our unsecured loans instead.


If you don’t have the security yourself, a guarantor may be able to provide it.

We do not offer Short Term loans, all Auckland Loans loans are for terms of six to sixty months.

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

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