Top 5 Agencies for the Best Personal Loans in Auckland

Best Personal Loans in Auckland

By Anders Wilson

We all have needs and wants we want to achieve. However, some expenses are costly and can get in the way of getting those needs and wants.

Fortunately, loans are there for people who want some quick cash to supplement any financial shortages. To help you find the best loan deals, we picked out the top agencies for the best personal loans in Auckland for you.

In choosing the best loan agencies, we made sure that they offered quick turnarounds and an easy application process. Next, we selected those that offer competitive rates and have exceptional client reviews.

Without further ado, here are the top agencies for the very best personal loans in Auckland.

1)  Loan Spot

Loan Spot's Homepage

BEST FOR Hassle-free application process
SERVICESVehicle Loans

Home Renovation Loans

Wedding Loans

Holiday & Travel Loans

Marine Loans

Debt Consolidation

ADDRESSLevel 2, 16 Edinburgh Street, Newton, Auckland, New Zealand 1010
CONTACT DETAILS+64 800 666 022
OPERATING HOURSMonday – Friday: 8.30 AM – 5.00 PM

Saturday & Sunday: 9.00 AM – 5.00 PM

Loan Spot is focused on providing personal loans for any client’s needs. Whether it’s for a car, wedding or debt consolidation, they have you covered.

Their friendly team is ready to assist you with the entire process so that you get the right loan plan for your circumstances. They’ll ensure that you can afford to repay the full loan amount.

You can apply for loans ranging from $3,000 up to $50,000, payable for up to a 5-year period. You can also choose to have a fixed weekly, fortnightly, or monthly repayment plan.

What’s more, they’ll make sure to give you the best interest rates. According to many of their clients, applying for loans with Loan Spot is fast and hassle-free.


  • Flexible personal loan options
  • Friendly and reliable staff
  • Low interest rate

Customer Reviews 

Check out this review from a satisfied Loan Spot customer: 

“Awesome customer service from Sam. Prompt, hassle free and tailored a loan for our requirements, in particular the ability to pay the loan back early without penalty.”


2)  Grab a Loan

Grab a Loan's Homepage

BEST FOR Mid-range expenses

Dental Care

Appliance Repairs


Vehicle Warrant & Registration

ADDRESS1 Albert Street, Auckland CBD, Auckland 1010, New Zealand

0800 85 55 55

[email protected]

OPERATING HOURSMonday – Sunday: 8.00 AM – 9.00 PM

In case you need emergency money to pay off expenses, Grab a Loan has the perfect solution for you–the QuickDraw® Revolving Credit Account.

The QuickDraw® Revolving Credit Account is not just an ordinary loan, as it lets you withdraw funds as long as you don’t exceed the account’s lending limit. As you repay the loan, your ‘quickdraw’ balance is topped up, allowing you to draw more funds from the account.

Every client who applies for a loan will have a dedicated account manager to assist him over the repayment period. They will answer all the queries that you have.

With Grab a Loan’s innovative loan plans, you can have peace of mind knowing that you can access emergency funds anytime you want. Their unique loan plans make them one of the top agencies for the best personal loans in Auckland.


  • Great for medium expenses (from $1000 – $3000)
  • Provides the Quickdraw Revolving Credit Loan
  • Dedicated account manager

Customer Reviews 

Check out this review from a customer named Stacey, that recounts her experience with Grab a Loan: 

“I have used Grab A Loan a couple of times and have just had to take out another loan through them. As usual they are incredibly easy to deal with – super responsive, quick and friendly. I wouldn’t hesitate to recommend them to anyone.”


3)  Max Loans

Max Loans' Homepage

BEST FOR Empathetic and helpful customer service
SERVICESBad Credit Loans

Business Loans

Car Finance

Classic Car Loans

Debt Consolidation Loans

Emergency Loans

Holiday Loans

Home Improvement Loans

Mortgages and Home Loans

Secured Personal Loans

Unsecured Personal Loans

Wedding Loans

ADDRESS27/27-29 William Pickering Drive, Rosedale, Auckland 0632, New Zealand
CONTACT DETAILS+64 508 629 5626
OPERATING HOURSMonday – Friday: 8.30 AM – 5.00 PM

At Max Loans, their friendly and empathetic team of professionals are sure to help you get a personal loan, no matter the purpose.

Service-wise, they’re one of the top agencies for the best personal loans in Auckland. Clients can attest to Max Loans’s efficient and simple service.

Their skilled agents can have your loans approved quickly and help you get competitive interest rates. They do this by only working with reputable creditors.

If you find yourself needing more cash along the way, you can opt for a top-up personal loan. This will cover your immediate expenses such as for holiday costs or debt consolidation without going through the application process again.


  • Friendly and understanding team
  • Competitive interest rates
  • Efficient and simple service
  • Work with reputable creditors

Customer Reviews 

Kathryn T., one of Max Loans’s clients, has this to say about her experience:

“Pleasant to deal with. Regular updates on progress. Quick to get started on the details required. Non judgmental.”


4)  Yes Finance

Yes Finance's Homepage

BEST FOR Kind Customer Treatment
SERVICESPersonal Loans

Car Financing

Debt Consolidation

Business Loans

Boat Loans

ADDRESS6 Sharkey Street, Manukau, Auckland 2104, New Zealand
CONTACT DETAILS+64 508 105 010
OPERATING HOURSMonday – Friday: 8.30 AM – 5.00 PM

Saturday: 9.00 AM – 1.00 PM

With Yes Finance, you won’t have trouble saying yes to that new car, wedding party, office renovation or new washing machine.

Yes Finance gives low interest rates and flexible terms for personal loans. They offer a wide array of personal and business loans.

Furthermore, their team can help you pick out the best loan depending on your budget and circumstances. According to their clients, the team at Yes Finance treats their customers kindly and patiently, attending to their financial needs.


  • Offer personal & business loans
  • Flexible terms
  • Kind customer treatment

Customer Reviews 

Let’s take a look at Karyn’s review on Yes Finance’s services:

“AWESOME (even with the interest)!!!!!!! I can’t wait. I will let you know when I have everything. Thank you so much for your efficiency, friendliness and help. I really appreciate it.”


5)  The Lending Room

The Lending Room's Homepage

BEST FOR Tailored personal loans
SERVICESPersonal Loans

Car Finance

Debt Consolidation

Cash Advance

Unsecured Loans


Business Loans

ADDRESSTower 2, Level 1/646, Great South Road, Ellerslie, Auckland 1051, New Zealand
CONTACT DETAILS+64 800 962 222

[email protected]

OPERATING HOURSMonday – Friday: 8.30 AM – 5.30 PM

Another company on our list of the top agencies for the best personal loans in Auckland is The Lending Room. They provide personal loans tailored to suit clients’ needs and lifestyles.

The Lending Room team works quickly and efficiently to provide the financial services that you need. Whether you need a loan for your holiday trip, new furniture, or medicine bills, they’ll make sure to give the best loan plans.

At The Lending Room, they like to keep it simple with the application process, so you don’t have to worry about tedious application forms. Some of the loans they offer are secured, unsecured, and bad credit loans.

Your repayment plan can be made weekly, fortnightly or monthly and can be extended up to 5 years. Whatever you need, their team will be more than happy to assist you.


  • Tailored personal loans
  • Efficient and simple application process
  • Reliable and friendly team

Customer Reviews 

Take a look at what M Cooper has to say about his experience with The Lending Room in this review: 

“I just have to say that  everything handled by Lisa was quick efficient friendly and painless. I would and will be highly recommending The Lending Room to several friends and family.”


And those were the top agencies for the best personal loans in Auckland. These loan agencies guarantee to make your loan processing simple and hassle-free.

Do you have any questions or thoughts about this article? If you have one, feel free to let us know in the comments below and we’ll get back to you promptly.

If you’re getting a loan for a house, you may also be interested in checking out our list of the best mortgage brokers in Auckland. These mortgage brokers can help you get the best rates and deals on your mortgage.

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