Rating based on 57 reviews

Budget Loans

  • Personal loans up to $250,000
  • Low-interest starting from 15%
  • Repayment up to 60 months

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Budget Loans homepage
Author Budget Loans. Screenshot of Budget Loans website.
[Accessed March 3, 2023]

About Budget Loans

For over 20 years Budget Loans has been helping New Zealanders meet their financial needs and goals by offering easy and effective finance solutions.

No anxiety and no stress, simply a basic and easy to use platform that offers our valued customers a range of personal loans.

A unique loan service

We are able to provide a unique and competitive service to New Zealanders which is based on experience, professionalism and personal attention. Our friendly staff members will listen to your story and come up with the most suitable financial solution. No matter what your financial goals are, you can achieve them with us.

Our loans are designed to suit your needs

We offer personal loans, car finance, loans for home improvements and so much more more. We've made getting a comfortable and convenient for our customers. Our knowledgeable team is led by a CEO who has over 50 years of experience in the financial industry. This gives us confidence that we can sort things out for you irrespective of the situation which you are in.

Budget Loans Services

Our speciality is providing financial solutions which are customised around the needs and requirements of each and every client that turns to us for a personal loan. 

Budget Loans stands out from the crowd because of our extensive experience in the industry and the personal attention we offer customers.

Let our loans work hard for you

For more than 20 years, we have been offering affordable quick loans which work hard to meet your particular needs - and never the other way around. You're welcome to apply, even if you do not have a perfect credit history or, are currently only employed part-time. For us, your future potential is just as important as your current situation.

A speedy loan finding service

We strive to make finding a loan a simple and comfortable experience for our customers. You simply need to go through our short and straightforward short-term loan application process which can take as little as 2 minutes. The speed of our service is hard to beat, we offer unsecured loans of up to $3,000 and our interest rates vary from 10.95% to 26.95%.

Budget Loans – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 15%
  • Loan Amount up to $250,000
  • Repayment 12 months to 60 months

Benefits of Budget Loans

  • QUICK Loans
  • HOME Improvements Loans 
  • DEBT Consolidation Loans 
  • VEHICLE Loans 
  • BUSINESS Loans

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Give your finances a boost with Budget Loans

If you need a fast, simple financial boost or have been struggling to get a loan from large banks and mainstream lenders - it's time to apply for a Budget loan.

Quite often, these bigger banks will require extensive personal and financial history, clear credit records, and will take up to 2 weeks to approve your application. We know and comprehend that when you require a personal loan, it should be a snappy procedure, with insignificant intricacies.

At Budget Loans, we make a difference

We at Budget Loans in New Zealand have taken an alternate way to deal with offering quick loans to our customers. We have outlined a quick and productive online loan application process which implies you have money to use inside of hours.

Our loans are straightforward and flexible

We are diverse and offer the best turnaround times for our clients with:

  • Pre-approval in minutes of accepting your application: Giving you an answer in minutes
  • Fast, straightforward, less confusing: Transferring the money into your banking account on the very same day
  • Bad Credit – no stress: Your application may be considered if you qualify, we believe that everybody deserves access to credit, regardless of their financial record
  • Adaptable terms for each customer: Flexible terms and simple repayment schedules

Get your cash now!

We don't see the point in postponing procedures when you need a bad credit loan fast. You can, without much of a stretch, have cash in your bank account within minutes after sending us your signed loan agreement.

At Budget Loans, you can be sure you're getting excellent service from a group that truly cares about your financial well being. We have a team of customer service agents accessible to our customers every minute of every day permitting you to easily apply from your home or office.

Customer Reviews & Testimonials

Budget Loans really are true to their name, they offer loans to fit your budget. Good terms and affordable rates.

Lisabeth A.
— Ivercargill —

Budget Loans helped tailor a personal loan to fit my needs and my pocket.

Dannie L.
— Nelson —

Budget Loans Contact

Physical Address

  • 119 Carbine Road, Mount Wellington Auckland Auckland Region 1062 New Zealand
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Opening Hours

  • not available