Rating based on 64 reviews

Budget Loans


  • Unsecured loans up to $250,000
  • Low-interest starting from 27.50%
  • Repayment up to 60 months

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Author Budget Loans. Screenshot of Budget Loans website. [Accessed April 17, 2018]

About Budget Loans

For more than 20 years, Budget Loans has been providing effective finance solutions to New Zealanders.

Our company is locally owned and operated. You can be certain that we will understand your needs fully and use our knowledge and experience to provide a loan which matches them perfectly.

Quick unsecured loans

Whether you need to pay for a holiday, a wedding, home renovation or dental treatment, we can help you out. We will make the borrowing process comfortable for you thanks to our staff consisting of friendly specialists. Our management team has over 50 years of combined experience in the industry and this enables us to offer ever more advanced and flexible finance products and services. We work constantly to ensure that our customers receive only the best.

Budget Loans Services

Budget Loans is a company opened to all borrowers.

We work to understand your situation fully and to customise the bad credit loan which you take out in line with it. We know that no one is perfect. That is why you will not get automatically rejected if you have bad credit or your employment history has ups and downs. We will look into all individual factors which are relevant to borrowing.

We will consider your current income

We have a simple application process which is divided into steps which you can easily follow. We can get you approved in less than 2 hours. Our interest rates range from 10.95% to 26.95%. The quick cash loan amount will be provided to you in the fastest possible manner.

Budget Loans Unsecured loan

  • Loan Type Unsecured loans
  • Interest Rate from 27.50%
  • Loan Amount up to $250,000
  • Repayment 12 months to 60 months

Benefits of Budget Loans

  • PERSONAL Loans
  • BAD Credit Loans
  • HOME Improvements Loans
  • DEBT Consolidation Loans
  • VEHICLE Loans
  • BUSINESS Loans

Get the best personal bad credit loans from Budget Loans in New Zealand

At Budget Loans we represent considerable authority in loans that are modified to your circumstance. Furthermore, if you are battling with your credit score, we can offer customers in Auckland personal loans for blacklisted holders around the country.

If you’ve had some salary or credit hiccups previously, we won’t simply close the book on you. We think seriously about everything when working out the most ideal arrangement for you. This incorporates your future potential, not only your past execution. In addition, our basic regulated arrangement makes getting a credit direct and quick.

Quick 2 hour approval

Financing costs from 10.95% - 26.95% which is low considering our competitors won’t even look at your personal loan application should you have a bad credit profile. What are you longing for? Maybe you have your eye on something or somewhere – a holiday perhaps? What about upgrading your home with renovations, or fitting new tyres to your vehicle. Even if you need to pay off all those overdue bills or keep up to date with the children’s school fees.

Whatever you may need the cash for; we will help you get it. It could even be the sound of waves lapping on a tropical Keeping in mind you could combine all your financial obligations and sort out every one of those credit cards in the meantime with one little personal bad credit loan!

Online and on target we have the right loan solution for you

The initial step is to apply on the web. It can’t get easier than logging onto your laptop from the comfort of your home or office and completing a 5-minute application. We require a small amount of information to work out the most ideal arrangement for you.

A loaning advisor will be in contact with you to guide you through the endorsement procedure once your application is sent.

Customer Reviews & Testimonials

Being blacklisted in the past can make finding personal finance really hard, thankfully I came across Budget Loans and they were able to assist me.

Eden M
— Hamilton —

BL offered me a very affordable unsecured loan, the rates are low and the repayment term very flexible.

Gus W
— Invercargill —

Budget Loans Contact Details

Physical Address

  • 119 Carbine Rd, Mount Wellington Auckland Auckland Region 1060 New Zealand
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Opening Hours

  • not available