Personal Loans Christchurch: Fast & Flexible Options

Drive away sooner with competitive car finance

Car loans

Hit the road with tailored two-wheel funding

Motorbike Loans

Turn weekends into water time

Boat & Marine Loans

Simplify repayments into one manageable plan

Debt Consolidation

Create the space you’ve been dreaming of

Renovation Loans

Celebrate your big day without the money stress

Wedding loans

Invest in your skills and future

Education loans

Finance options designed for second chances

Poor Credit loans

Make the journey happen now, not later

Travel Loans

From everyday costs to big plans, a better loan has you covered

Personal Loans

How can we help?

Here's what to expect from the Christchurch better finance™ team

Straightforward process

Skip the jargon and paperwork piles. Our online application takes just a few minutes, giving you a quick start on your borrowing journey.

Guidance you can trust

Our team knows the ins and outs of lending—and how to match you with the right option. We’ll answer questions clearly and support you from start to finish.

Transparency at every step

No hidden catches. We’ll explain the costs, terms, and repayments upfront so you can make confident choices.

Finance for every goal

From first cars to dream renovations, from study costs to holidays—we’ve got loan options that suit all kinds of plans.

Tailored to fit you

We don’t push one-size-fits-all products. Instead, we look at your situation and connect you with lenders who can provide the best fit.

*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.

Looking for a great rate, fast approval and an easy online application? Visit Better to have your loan application underway in minutes

Personal Loans in Christchurch

Personal loan services for Christchurch residents

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