Budget Loans

Budget Loans - Alternative loan solutions

For over 20 years Budget Loans has been providing New Zealand citizens with financial solutions. Our company is proudly New Zealand run and we employ our citizens to operate our business.

We were first established to provide an alternative loan solution and help clients reach their financial goals.

Our bad credit loans can be used for home renovations, weddings, and holidays or for a little help when you need to pay the bills.

Helping you understand financing

Handling money and understanding finances can be very confusing. There are so many different options it is sometimes difficult to know what the best solution to suit your needs.

Our consultants use their many years of experience to listen to and understand your needs and provide you with the best advice and instant cash loan options.

Budget Loans will help you find a loan that you can afford and help you budget to repay it without any problems.

Use your loan to increase your credit score and give you better financial options in the future.

Custom designed solutions

We specialize in designing a loan that is made especially for you and takes into account your individual circumstances and budget.

If you have bad credit we will work around this fact and make sure that your bad credit does not affect the outcome of your loan application.

Apply for a loan online via our website and you will receive an outcome within 2 hours.

Sign the loan application online and once we have received it, we will pay the money into your bank account.

Budget Loans Services

Our personal loans can be designed to suit your needs.

Decide how much you would like to borrow and how long it would take you to repay the money. A consultant will get in touch and help you through the entire process.

Apply for a Budget Loan in 7 easy steps

1. Complete the application form that is available on the website
2. One of our friendly consultants will give you a call
3. Send us the supporting documents that apply to your loan such as your bank statement and other relevant documents that may be requested
4. Our technology will process your application and verify your details
5. The loan documents will be sent to you via e-mail or courier service
6. Sign the documents in the presence of a witness and send them back to us
7. The money will be paid into your bank account

Supporting documents required

When you apply for a loan you will be asked to provide the following supporting documents together with your loan application.

• A 30-day statement from your bank
• Proof of ID
• In the case of home loans your mortgage statement
• A copy of your recent pay slip
• Payment history and proof of residence

We will perform a credit check and make sure that you are able to afford the loan. We may suggest that you loan a smaller amount if we feel that you might struggle to make repayments on the loan amount that you requested.

You will need to sign the loan agreement in the presence of a witness that witness must be either a lawyer or a Deputy Register at your local courthouse. If you need assistance finding a witness the bad credit loan consultant will be able to help you.