Auckland Loans
Unsecured Personal Loans
Unsecured personal loans without the hassle
The process of getting Auckland Loans is simple and hassle-free! We can arrange a personal loan for you through our providers, who offer:
- Apply online with ease
- Rates from 9.95%*
- Payout and approval on the same day*
- You can repay the loan over a period of 6 to 84 months
- You can borrow up to $75,000* unsecured
- Online loan application takes just 3 minutes
Whatever your financial needs, Auckland Loans can help! It doesn’t matter if you want to reduce your debt repayments, buy a new car, or go on the trip of a lifetime, our goal is to help you do it. With us, you will be able to access fair, low-cost loans from our loan providers at highly competitive interest rates.
*Subject to responsible lending checks and lending criteria.
Auckland Loans
With Unsecured Personal Loans, You Can Get Cash Fast
At Auckland Loans, most of our lending is unsecured, which enables us to work more quickly to help you.
Secured loans are loans that use assets (such as a home or car) as security or collateral. Those assets may be taken by your lender if you don’t pay back your loan.
Getting an unsecured loan doesn’t require any security; you simply receive the cash you need and pay it back over time.
Since we don’t have to check your assets’ value, we can get you your funds faster with an unsecured loan. The process is much simpler.
Borrow Up to $75,000 Unsecured
You can get affordable loans without any hassle with Auckland Loans because we work smarter and faster than anyone else.
- You can borrow up to $75,000 unsecured*
- Repay your loan over a period of 6 to 84 months
- It’s all online, there’s no paperwork, it’s easy!
If you need funds quickly, Auckland Loans’ unsecured personal loans are perfect. Unsecured loans are limited to $75,000, which is enough for most borrowers. Depending on your situation, you may also be eligible for a secured loan of up to $150,000 if you need more money.
You won’t feel under too much pressure by spreading your payments over a term of 6 months to 7 years, so you have enough financial wiggle room to get what you need.
What Are the Benefits of an Unsecured Personal Loan?
If you need funds quickly and don’t want to risk losing any assets if you fall into financial trouble, an unsecured loan might be right for you. In contrast, if you have a bad credit history or plan to borrow more than $75,000, it may not be the best option for you.
Do you still have questions? Get in touch with Auckland Loans today and our friendly loan advisors will be happy to walk you through your options.
As an associate member of the Financial Services Federation, Auckland Loans supports and promotes responsible lending. With this in mind, you can trust us to give you loan advice that’s in your best interests.
We provide simple, affordable loan solutions to clients in a variety of situations. We can solve almost any problem.
Auckland Loans does not offer short-term loans, all of our loans have terms between 6 and 84 months.
Current interest rates on offer range from 9.95% APR (Annual Percentage Rate) to a maximum APR (Annual Percentage Rate) of 35.50%. Rates are determined by your credit history, the security offered (if any), and your overall credit profile.
Unsecured Personal Loans FAQ's
We may require security before we can give you a loan based on your credit history. Ultimately, it will depend on your financial history and circumstances.
We specialise in bad credit loans, and the best part is that they are low-cost as well. Feel free to contact our friendly team if you’re wondering if you can get a personal loan with a bad credit score.
Quite the contrary, because we don’t hold any security over your assets, it’s actually riskier for the lender. However, if you want to secure the best rate possible for large amounts, taking out a secured loan may be the better option for you.
Because their are less risks associated with lending on secured loans, interest rates can be lower.
Unsecured loans can be processed faster, but we apply the same lending criteria. To put it simply, you need to be able to afford your repayments. Affordability is determined by comparing income to expenses.
Possibly you are paying more than you need to for existing loans, so we can consolidate them into one loan with lower monthly payments. That way you may have more discretionary income to meet the affordability criteria.
Auckland Loans checks your financial history before you can take out a loan, so we can make sure you can afford it. Taking this approach is part of our commitment to responsible lending. However, it’s no hassle.
You can easily send us your bank statements electronically by clicking a link we send you – there is no paperwork involved!
Since lenders must ensure their lending is responsible, an unsecured personal loan with a “guaranteed approval” doesn’t exist. Despite this, Auckland Loans finds a positive solution for most of our customers.
With our help, you can find low-cost loans that fit your needs quickly. By taking a look at your credit history and financial situation, we aim to get you what you need without adding to your financial burdens. Although we cannot guarantee approval, you can count on us to do all we can to help.
It’s up to you! The great thing about Auckland Loans’ unsecured personal loans is that there are no restrictions on what you can use them for so long as it’s legal! You have the freedom to use your funds however you wish, whether it’s for a holiday, a car, home repairs or a wedding.
When a loan is secured, it means assets (like a house or car) are used as security, or collateral, against the loan. If you fail to pay back your loan, those assets can be taken by the lender.
An unsecured loan means there’s no security taken out against your loan, you simply get the cash you need and you pay it back over time.
With an unsecured loan, we can get you your funds faster because we don’t have to spend time checking the value of your assets. It’s a much simpler process.
Depending on your credit history, we may require security before we can give you a loan. In the end, it will depend on your financial history as well as your circumstances.
Bad credit loans are one of our specialties, and the best part is that they’re low-cost as well. So, if you have a bad credit score and are wondering if you can get a personal loan, contact our friendly team today.
An unsecured loan may be best for you if you want to get your funds quickly, and don’t want to risk losing any assets if you fall into financial difficulty. However, it might not be the best option if you have a bad credit history or you want to borrow more than $75,000.
We make it easy to get what you need and we make it affordable – by spreading your payments on a loan term between 6 months and 7 years, you’ll have enough financial wiggle room that you’re not under too much pressure.
Still unsure? Get in touch with our friendly loan advisors at Loansmart today, and they can talk you through your options.
