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Personal Loans in Auckland
Fast, flexible personal loans with licenced advisers, right here in the heart of Auckland.

Personal loan services for Auckland residents
How can we help?
Fast start
Apply online in just minutes — no long forms or complicated steps slowing you down.
Local knowledge
Our advisers understand the NZ lending landscape and help you find the right option for your goals.
Straight answers
We’ll be upfront about rates, fees and repayments, so you know exactly what you’re signing up for.
Loans for every stage
From study to travel, new wheels to home upgrades — we’ve got finance options that fit where you’re at.
We look at your circumstances and match you with lenders who can deliver the best outcome for you.
Our contact details
better financeTM Auckland
Level 2/16 Edinburgh Street
Newton
Auckland 1010
0800 666 065
Office hours
Monday: 9:00 am - 5:00 pm
Tuesday: 9:00 am - 5:00 pm
Wednesday: 9:00 am - 5:00 pm
Thursday: 9:00 am - 5:00 pm
Friday: 9:00 am - 5:00 pm
Saturday: Closed
Sunday: Closed
*Fixed interest rates for vehicle and personal loans range from 7.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and is determined by the lender.
Fees apply, including an establishment fee of up to $350 and an introducer fee of up to $995. Also, lenders may charge a PPSR fee of between $0 and $14. For example: On a loan of $5,000 over 12 months at 10.95% p.a. with Establishment and Introducer fees totalling $495 and a PPSR Fee of $7.39, the total amount to repay is $5,835.93 which is 12 monthly payments of $486.34. Those amounts don’t include ongoing fees, such as Service Fees, charged by the lender. You can find full fee information in the loan contract. We recommend that you check the fees before accepting the loan offer. See more about lender fees here.
Approval is subject to meeting lending criteria, and affordability test applies. Our lender will independently assess whether you are eligible for a loan.
Same day payout subject to the applicant meeting the above conditions and completing loan documentation by 12pm.