Rating based on 38 reviews

Asset Finance

  • Loans bad credit up to $50,000
  • Low-interest starting from 9.95%
  • Repayment up to 5 years

In-page navigation

Asset Finance homepage
Author Asset Finance. Screenshot of Asset Finance website.
[Accessed July 24, 2021]

Asset Finance - Finding the right loan for you

Asset Finance is a New Zealand company that specializes in providing instant loans and bad credit solutions. We offer personal loans, vehicle loans and debt consolidation loans.

Finding a loan should be easy and not require much of your precious time. When you apply for a loan through our website we will process your application as quickly as possible and give you an outcome so you don’t need to wait around.

The personal touch

Our friendly consultants will get in touch with you and guide you through the online loan application process. Once you have your loan, your personal consultant will be available to you for the duration of your loan agreement. If you have problems your consultant is only a call away.

Loan term loan contracts

We give you some breathing room to repay your loan by offering you up to 60 months to repay the loan. You will be charged a reasonable interest rate. The interest rate that you are charged will be determined by your credit history, employment history and if you are applying for a secured or unsecured loan.

Online calculators

Our website has online calculators that will help you take the guesswork out of knowing how much money you should ask to borrow. Use the calculators to help you determine how long you would need to repay the bad credit loan and how much the loan will end up costing.

In some cases, clients with very bad credit may be asked to provide security in the form of collateral to ensure their loan agreement.

Asset Finance Services

Secured or bad credit loans can be insured with collateral such as your house, car or other expensive items.

The item must be paid for in full and have a greater value than the loan amount requested.

A secured loan is a risky loan as if you don’t make payments regularly, you could end up losing your collateral and damaging your credit score.

Using property to secure your loan

If you would like to use your property to secure your loan you may do so even if the property has a mortgage attached to it.

We will need to calculate the available equality and offer you a personal loan on that amount. We will require proof from the mortgage holder.

If your property is owned by a Trust then you will need to provide proof and you may need to sign with a guarantee in your own name.

Using a vehicle to secure your loan

If you decide to use your car as security against your loan the vehicle will need to register in your name and paid for in full.

If you apply for vehicle financing our loans cover vehicles that are sold through private sales and vehicle bought through auctions.

We can assist you with no deposit vehicle financing and use an additional vehicle to secure additional financing.

Vehicle insurance

We offer vehicle insurance that is customized to suit your needs and help you find the financing that you are looking for.

Asset Finance – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate 9.9529.85% p/a
  • Loan Amount up to $50,000
  • Repayment 6 months to 5 years

Benefits of Asset Finance

  • Funds transferred the same day
  • Speedy approval
  • Apply in only 10 minutes

Bad credit loan calculator

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

Asset Finance - Take control over your finances

When you have a lot of bills to pay and you are struggling to make payments and you don’t know what you are going to do, we have the solution that you have been searching for.

We will contact all the people that you owe money and settle all of your outstanding debt with one of our debt consolidation loans. We will use our years of knowledge and experience to negotiate a settlement amount on each account.

If you have collateral attached to a debt that needs to be repaid we will make sure that your collateral is released and reunited with you its rightful owner.

You will save money on your bills and they will be marked as settled on your credit report. You can start to take control of your finances because you won’t need to be trapped in a vicious debt cycle that adds late fees and penalties so that you can never escape the debt trap.

One easy to manage payment

Consolidating your debt into a consolidation loan will mean that you only need to worry about making one easy repayment that aligns with your payment frequency.

We will allow you to repay the bad credit loan over as long as you need and offer you a favourable interest rate that will save you money.

This will improve your credit score and allow you to start to make better financial decisions in the future.

Customer Reviews & Testimonials

If you are like me and prefer your loans with a human touch then I have delightful news for you. Asset Finance allows you the opportunity to consult with one of their consultants prior to complet...

Morgan S
— Queenstown —

Asset Finance specializes in low-interest loans guaranteeing you major savings. I know that I can trust their loans because they are easy on my pocket and help me to get my finances in order in a...

Jake F
— New Plymouth —

Getting rid of your debt can be as easy as a single loan. A debt consolidation loan will help to repay all of your debt in one go. Save yourself money, frustration and stress and apply for a cons...

Jenny F
— Picton —

Asset Finance Contact

Contact Number


  • not available


Physical Address

Postal Address

  • PO Box 497, Whakatane, 3120, New Zealand, Whakatane, 3120, New Zealand

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed