Home of Christchurch Loans & Fast Finance

Our Christchurch loans are built on Cantabrian spirit. We’re founded, owned and operated in Christchurch, and prefer to lend in Christchurch, rather than anywhere else in New Zealand. At Admiral Finance, we offer personal loans that offer greater flexibility around payment terms, meaning that we take the time to understand your personal situation, and tailor a repayment solution that suits your income and lifestyle.

Fast approval & competitive NZ rates

With Admiral Finance Christchurch, we offer business and personal loans, Canterbury-wide. whether you’re looking for vehicle finance, or simply need some quick cash, we can usually have your finance approved the same day. It’s fast, simple and straightforward. Ask about our instant finance options in Christchurch. Our decisions are also based on what is affordable when taking your own personal circumstances into consideration, instead of just plugging numbers into a computer.


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Car loans to keep you on the road

Looking for Car Loans or Car Finance? Admiral Finance Christchurch has a deal for you.

Staying on the road takes money. Maybe your car is on its last legs or has been punished on the rough Christchurch roads. You need to get a bigger, more comfortable vehicle. Or you’ve got teenagers desperate to have a car of their own. Whatever the reason, an affordable Christchurch loan from Admiral Finance can help you on your way.

It doesn’t matter if you’re buying through a dealer, privately, at auction or on Trade Me, we can get your car loan sorted with amounts up to $50,000 before you go shopping.

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Debt consolidation loans to reduce the stress

Debts feel like they out of control? Hiding the bills without even opening the envelope?
Admiral Finance Christchurch are the debt consolidation Christchurch experts. It really doesn’t matter how much you earn in life, lots of people struggle to manage their money from time to time. It might be that the rates or the credit card debts are mounting, or that the household bills are out of control. Or maybe you just struggle to keep on top of who you need to pay, and when, and keep getting hit with late payment fees.

Whatever the reason, a Christchurch debt consolidation loan from Admiral Finance will help you start again. It isn’t just that we bring everything under one single affordable loan to make things easier, but that we also help your cash flow. Our debt consolidation loans Christchurch service is built around payments that you can afford right now, with your current income.

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Couple in conversation

Need an unsecured loan?

Looking for an Unsecured Loan Christchurch, or an unsecured personal loan Christchurch?

If you live in Christchurch and need some extra cash, but all your assets are already being used as collateral. If you don’t have anyone to guarantee your loan… Then the Christchurch team at Admiral Finance may still be able to help, subject to the responsible lending code of New Zealand.

An unsecured loan means we lend you money based on who you are, and what you do, not what you own. You do have to meet certain conditions though, and these may well be more strict than our normal lending criteria, and the fees may be different too.

To get your hands on our unsecured loans, Christchurch, you need to be a homeowner; have been in your current job more than 2 years; have lived at your current address for more than 2 years; and have a clean credit rating.

If you meet these conditions, our affordable, unsecured personal loans Christchurch service can help you get back in control.

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Father and boy

Proudly Christchurch Loans – Owned & Operated

Admiral Finance is based in Christchurch. We’ve been providing New Zealanders with easy loans since 2003. Our managing director is a well-respected Chartered Accountant who has worked for major companies all over the world, and the rest of our team all have backgrounds in finance. So, not only will you receive exceptional customer service when you phone us, you’ll be speaking to someone who understands.

Apply for finance online now, or give us a call on 0800 200 261 to speak to one of our friendly customer service representatives. For loans ranging from $1,000 to $50,000, contact Admiral today.


Personal Loans With Low Repayments

Unlike buy now, pay later financing, Christchurch’s Admiral Finance allows you to spread your payments across a four-year period. 48 months is a standard term, but the faster you pay it off, the sooner you’ll be out of debt and minimising any interest rates. Paying off debt quickly improves your credit score, meaning that any future lenders are going to see that you have a great payment history. Often, you’ll be given a better interest rate if you’ve proven yourself as reliable with repayments.


Quick Instant Financing

If instant financing was possible, we’d do it. Unfortunately, the banks usually take a day, so our cash loans are deposited into your account within 1 working day, after receiving your online loan application subject to approval. Christchurch personal loans typically have a higher credit rating than other parts of New Zealand. This is worked out by debt ratios, incomes, and expenses of New Zealand households. So if you live in Christchurch and you’re looking to finance a car, furniture, equipment, or a business asset, we’re here to help.



FAQ's about Christchurch Loans

  • How long does it take to get finance approval from your Christchurch branch?

    The preliminary approval process takes only 60 minutes. However, in some cases the full process can take a few days, depending on the information you’ve provided. The best case is that you’ll have cash in your account within 24 hours.


  • Who can apply for a personal loan in Christchurch, NZ?

    Anyone over 18 years of age with a stable income and good credit history can apply for a personal loan.

  • How do I apply for a personal loan in Christchurch, NZ?

    You can apply online, which is the esiest and fastest option. Alternatively, over the phone, or in-person at our Christchruch QuickLoans branch at 3 Shirley Road.

  • What is the maximum loan amount I can get?

    The maximum loan amount varies depending on your income, credit history, and the security you provide. Quickloans can loan up to $150,000, but typically, personal finance has a maimum of $20,000 NZD.

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.

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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

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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.

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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.