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    Personal Loans & Finance

    Personal Loans

    If there is something you need a quick loan for right now, Active Finance can help you source a personal loan from one of their reputable New Zealand based lenders. Whether it’s a vehicle loan to buy the car you’ve always wanted, a cash loan to go on your dream holiday, or secured loan to get those urgent renovations done to your house, Active Finance can help you find the money that you need to do what you want today. With Active Finance a personal loan process can be made simple with just one application we can access many lenders and better yet you can get a conditional instant online approval of your loan which is a first for a Finance Broker in New Zealand!

    Active Finance Personal Loans:

    At Active Finance, we know that there is no one-size-fits-all loan for everybody, so we take care to tailor any loan approval to your needs. What we do offer to everyone is to find the most competitive low interest rate and flexible loan term repayment schedule that suits your financial situation, and of course our unbeatable customer service. When you choose Active Finance to find your personal loan for you, you can be confident that you are dealing with experienced professionals who want to help you realise your dreams.

    If you are after a personal loan, applying to Active Finance is different than approaching a bank with a strict set of ‘normal lending criteria’. With all our years of experience in the New Zealand finance industry, we’ve learnt that it doesn’t matter what your finance history is like. We judge each personal loan application on its individual merits, and because we have a variety of lenders available, we can help just about anyone, even if you’re not getting anywhere with traditional lending institutions. At Active Finance, our focus is on you, so we’ll work hard to get you a loan that will suit your requirements and current situation, no matter what your current income or credit score.

    For personal loans, we can help you source both secured loans  and unsecured loans. Secured personal loans are those where you use an asset to provide some security for your loan, such as a car, home, motorbike, boat, chattels or similar. With a secured personal loan, we can often help you borrow larger amounts and get a lower interest rate for whatever you need. For unsecured personal loans, you don’t have to offer any security and are ideal for loans when you don’t have access to any major assets owned by yourself or a guarantor.

    The friendly team at Active Finance will be happy to talk through all the options for getting a personal loan, including a variety of options for repayments, so get in contact and let us know how we can try and help. Alternatively, fill out our simple online application, and see just how easy it is to apply for your loan instantly online with Active Finance.

    Interest rates for personal loans do vary based on your overall profile which includes your credit history, residence and income stability and also depends on if there is any security on offer to create a secured personal loan or if not then an unsecured personal loan. Loan terms also vary depending on the security on offer but you can expect to be able to repay your loan between a minimum of 6 months and maximum of 60 months typically, there can be variations to this and we try and structure the repayments to suit you and your affordability hence the term can vary to meet individual requirements. We have given an interest rate guide below along with an example based on a real case of a typical secured personal loan taken out over 36 months, repaying weekly, using a car as security for a borrower who has a good to excellent credit history.

    Secured personal loan interest rates range between 10.95% and a maximum of 18.95%
    Unsecured personal loan interest rates range between 17.95% and a maximum of 25.95%
    Example: Amount financed of $10,495.00 over 36 months (3 years) at the minimum rate of 10.95% = 156 weekly repayments of $81.75  and at the maximum rate of 18.95% = 156 weekly repayments of $88.70

    Please Note: Click on the links to find out more about debt consolidation loans and bad credit loans interest rates and terms.

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