Personal Loans Auckland
Located in the “City Sales” building, this iconic branch has been providing service to its customers for 14 years. The heart of Auckland central, K Road is known for its bright culture and diversity. Surrounded by a broad range of up and coming restaurants and some of Auckland’s finest hippie clothing boutiques and bustling cafes, K Road has some of the best of what Auckland has to offer for New Zealand’s up and comers.
Located at 445 Karangahape Road, our Auckland City personal loans team is here to help you! If you’re in the Auckland area and would like to arrange a personal loan face-to face, drop in and speak to one of the team or get in touch with us using the details below.
Phone: (09) 353 2233
Fax: (09) 360 4164
Email: city@if.co.nz
Address:
City Sales House
445 Karangahape Road
Newton
PO Box 21687
Henderson
Waitakere 0650
Opening Hours:
Monday – Friday 8:30am – 5:00pm
Saturday Closed
Sunday Closed
Instant Finance Auckland City
Instant Finance provides personal loans from $200 to $20,000 with fixed interest rates between 19.95% and 29.95%. Fixed repayment schedules can help simplify your finances by consolidating existing debt in one easy to manage loan, provide funds to relieve pressure on any expected bills or expenses that pop up, finance for a new vehicle, or money for a large purchase.
You can apply for a personal loan online by completing our simple online application form or alternatively call us on 0800 760 000 to speak with one of our friendly team members at our Auckland City branch.
Applying online
If you are able to supply us with a completed application form and the required supporting documentation, in most cases, you can have money in the bank the same day. Here’s what to have handy with you before applying;
- A valid ID, such as a current New Zealand Drivers Licence or Passport.
- Proof of income, such as a bank statement (or if self-employed, an annual return).
- Proof of your address, such as a tenancy agreement or a recent utility bill (e.g. telephone or power bill in your name).
Responsible lending
Instant Finance have a strong commitment to responsible lending, which means the loan amount we may approve will depend upon your personal circumstances. This includes:
- Affordability
- Security
- Your credit record with us and others
Loan repayments are in most cases, set in line with the frequency of your pay period (i.e. salary, wages) and can be weekly, fortnightly or monthly. Personal loan repayments depend on a lot of factors, including how much you borrow, how long you borrow it for, and whether you take payment protection insurance, which we strongly recommend.
FAQs
How do personal loan interest rates work?
Instant Finance provides personal loans at an annual interest rate from 19.95% to 29.95% per annum.
The rate that applies to your loan will be based on a range of factors including your circumstances, credit history with us or others, the security you can provide and the loan amount.
Once set, the interest rate is fixed for the term of your loan. Loan repayments are made up of principal and interest over the set term of your contract.
If you choose to repay early then interest and Administration Fees relating to the unused term are rebated. A full break down of our rates and fees can be found at rates & fees.
Can I apply for a personal loan if I am a beneficiary?
Yes of course you can.
We will complete a household budget and align your repayment schedule with your benefit income to make sure you’re not over-extending yourself.
We will also look at the security you may be able to provide, check your credit record and make an overall assessment of your suitability to borrow, just like every application we assess.
Can I apply for a personal loan if I am self-employed?
Yes of course you can.
We normally require your most recent business accounts plus GST returns for the last 6 months, and the last 3 months of statements from all personal and business bank accounts showing income and out-goings to assess your affordability and income.
We will also look at the security you may be able to provide, check your credit record and make an overall assessment of your suitability to borrow, just like every application we assess.