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Personal Loans

We specialise in easy personal loans and personal finance from $1,000 to $15,000+ for any reason. Holidays, unexpected bills, family events, new purchases and more!

Personal Loans

Asset Finance provides personal loans from $1,000 up to $15,000 for terms up to 3 years and with minimum payments from $30 per week.

Am I eligible for a Personal Loan?

We can approve a Personal Loan for you if:

  • You are at least 18 years of age, a NZ citizen or permanent resident; and
  • You have a regular income; and
  • You or your guarantor have a freehold car or motor vehicle, or a home or land with sufficient equity

If you are unsure about whether or not we can help, please feel free to contact us on 0800 11 22 74 or simply apply now or continue reading.

How much could I borrow?

The maximum personal loan 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 the calculator below as a guide.

Why get a Personal Loan?

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

  • Loan tailored to your requirements
  • Interest rate fixed for the term of the loan, no unexpected changes
  • The loan payment day aligns with when you get paid

Alternatives to a Personal Loan

If a Personal Loan doesn't fit your requirements, Asset Finance have a number of other loan options available that may better suit you:
  • 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.
  • If you are looking for a larger amount of $10,000 or more, we also offer Second Mortgages.

Personal Loan Repayment Calculator

Your repayments: $ Apply Now!
Payment Protection Plan
This payment calculator is a guide only to assist in determining weather a loan is affordable. Your final payments may differ from those shown.

Security and Credit History

If you meet the basic criteria below, chances are we'll be able to approve your loan today!


Personal loans must be secured by an asset such as a motor vehicle or a house or land. 

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 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 an Unsecured Loan instead.


If you don't have the security yourself, a Guarantor may be able to provide it for your loan.

Credit History

Credit history is just one of many factors we assess when reviewing a loan application. If you have good credit or a good payment history with us, that goes a long way.
However, we do understand that most people go through a difficult patch at some stage in their life, such as sickness or a relationship breakup, and for many this can affect their credit rating. So when looking at any bad or adverse credit history, we pay particular attention to how a person dealt with it, how long ago it happened and to what extent it was a problem.
In some cases, particularly where there is recent or unexplained bad credit, we may require a guarantor to provide additional security.

Affordability & Stability

As a Responsible Lender, we consider your capacity to meet the loan repayments.

Depending on the repayment amount and your income sources, this may require us getting information about your income and expenses.

We also consider your job and living history to determine whether your capacity to meet the repayments is likely to change during the term of the loan.


The Application Process

Loan Application

Loan Application
10 Minutes


2 Hours

Approval and Documentation

Approval & documentation
30 minutes

Funds Transferred to you

Funds transferred to you!
Same business day