We’ve answered our most commonly asked questions below, but if you can’t find the answer you’re looking for, Freecall us on 0800 200 261 or Send us a message and one of our friendly team will be in touch soon.

  • How much can I borrow?

    If you can offer security on your loan, we’ll lend between $1,000 and $50,000. But all loans depend on a few things:

    1. That you can easily afford the repayments
    2. The value of the security you have on the loan – for example your car, home, personal possessions
    3. Your credit profile such as employment, credit score and bank statement conduct to name a few.
  • Do I need security for an Admiral Finance loan?

    Yes, in almost all cases Admiral Finance loans are secured. You can use motor vehicles, boats, livestock, homes or personal possessions that belong to either yourself, a joint borrower, or a guarantor.

  • What else do I need to get a loan with Admiral Finance?

    You need to meet the following lending criteria:

    • Be at least 18 years old
    • If you’re aged 18-21 we’ll need someone else to guarantee your loan
    • You need to secure your loan against an asset such as a motor vehicle, personal possessions, a house, land or boat
    • You need to be a New Zealand Citizen, living in New Zealand. Or you need to live in New Zealand and hold a Permanent Residents Visa
    • We only work with people who have a reasonable credit history
    • You must not be currently bankrupt or hold a ‘No Asset Procedure’
    • We need to see some valid photo ID
  • How do I apply for Admiral Finance loan?

    You can apply online, over the phone or in person at our Christchurch office. If you need a speedy answer, then it is best to apply online. We are open Monday to Friday, 8:00am to 5.00pm. After these hours, we have an answer service and applications will be looked at the following business day.

  • How long does it take to get Admiral Finance Loan approved?

    Provided you’ve given us all the details we need, we can let you know if your loan has been approved within 60 minutes of processing your request.

  • How long does it take to get the money?

    Once your Admiral Finance loan is approved, and documentation signed, the money is available in your bank account the next business day. But if you need money really urgently, we do offer a same-day money service for a small charge.

  • How can I make Admiral Finance loan repayments?

    You can make weekly, fortnightly or monthly payments via direct debit on a regular date that suits you. If your loan is secured against assets like motor vehicles, we may be able to spread your repayments over as many as 4 years. If the loan is secured against property or land, then we can structure repayments for up to 5 years.

  • What about if I don’t have a perfect credit history. Can I still apply?

    At Admiral Finance you don’t need a perfect credit history. While there can never be a 100% certainty of being approved, we look for reasons to say yes to your loan, rather than no. However, we are unable to lend to anyone who is currently bankrupt or who has recently filed a ‘No Asset Procedure’.

  • Do you offer insurance?

    Yes, we currently have three forms of insurance – Payment Protection Plan (PPP), Vehicle Insurance and Mechanical Breakdown Warranties. Talk to us to find out more details.

  • Do I need to have a job to apply for an Admiral Finance loan?

    No, you don’t need a job but you do need to be able to afford the repayments. Usually a minimum income yesof $400 per week is acceptable. We welcome everyone including the self-employed, full and part-time workers or seasonal workers.

  • What can I use as ID?

    Two forms of ID are required with all our loans:

    • One Photo ID (Drivers Licence, Passport, Firearms Licence, 18+ card)
    • Plus a secondary form of ID (such as your Bank Card, Credit or Debit Card or a birth certificate) may be required.

    However, if you are purchasing a vehicle, or using a vehicle as security, a minimum of a Restricted Licence is essential.

  • Will it cost me if I pay the loan back early?

    In most cases you will only be charged our standard $40 early settlement fee. But if your Admiral Finance loan is nearly complete, we may not make that charge. New loans from 1 July 2017 will not be charged a settlement fee.

  • Are there any surprises in the small print?

    You won’t find anything surprising or unfair in our agreements but we strongly encourage you to  review the small print before you sign your loan paperwork to make sure you understand your obligations.  If you have any questions, please ask us – we’re here to help and advise you through the process.

  • What is a Guarantor?

    A guarantor is a person who will be able to sign documentation confirming they will be able to meet your financial commitments if you are unable to do so.

  • What can I borrow money for?

    It really doesn’t matter what you need extra money for – no purpose is too unusual.

  • Can I finance a car with a learners licence?

    No, you must have a minimum of a Restricted Licence.

Why Choose Admiral Finance For Your Next Loan?

Borrow From A Company You Can Trust

Our staff are locals who understand the financial demands of living in New Zealand. We’ll treat you with respect, outline your best options, and give you a fair loan that suits your personal circumstances. You can even come and visit us in our Christchurch office.

Get The Funds You Need Within 24-Hours

Apply for a loan & get approval within minutes, subject to the responsible lending code and affordability, & your funds are often released same day.

Competitive Loans That Suit Your Lifestyle

You can potentially save thousands with an Admiral Finance loan. Our rates are extremely competitive, and designed to suit your lifestyle and budget. So you can rest assured that when you apply for an Admiral loan you’re improving your life and financial situation, not just adding another financial burden.

Flexible Options For All Financial Situations

Admiral is run by real people, not computers. So when we consider your application we’ll review your current situation and ability to pay without focusing on your past. Even if you’ve had difficulties securing funds in the past, it’s quite possible we can find a flexible solution for your situation.

Easy Loan Application

step 1

Apply in only 5 minutes online, or give us a call to discuss on our Freephone number 0800 200 261

step 2

One of our friendly team will personally assess your application and be in touch within 60 minutes* (during business hours & subject to the responsible lending code)

step 3

If you’re loan is approved, we’ll release your funds, within 24hrs directly into your account subject to the responsible lending code & affordability.

apply now

If you want to talk to one of our friendly team about your loan, give us a call now for free on 0800 200 261. Or, if you’re in Nelson, Dunedin, Invercargill, Timaru, or in and around Christchurch, we can even send someone over to see you at home.

Our Customers

View all customer case studies

With us, getting finance from $1,000 – $50,000 couldn’t be easier

Save thousands
over the course of your loan competitive rates

Enjoy flexible payment
options that suit your lifestyle and pay cycle

Get a zero-deposit loan
secured by a vehicle, household items, or property

And get approved fast
in as little as 60-mins*. Get back to enjoying life, not focusing on bills, subject to the responsible lending code & affordability.

apply now

If you want to talk to one of our friendly team about your loan, give us a call now for free on 0800 200 261.
Lending criteria, terms and conditions, and fees apply to all Admiral Finance personal loans.