The Active Finance

Active Finance - the lowest interest rates in New Zealand

Active Finance offers the fastest and friendliest service when it comes to getting you the best deal on personal loans, vehicle financing, debt consolidation, or bridging finance.

We offer loans with the lowest interest rates in New Zealand by providing access to our large network of lenders. By having options you will be able to compare deals side by side and chose the loan option that you prefer.

Our mission

Since 2000 we have assisted many New Zealand clients to get the loan they were searching for. Our mission is to help our clients in their time of need, by providing helpful friendly financial advice and guidance when assisting them in obtaining a bad credit loan.

We aim to get our clients the lowest rate possible with repayment terms that can be customized to suit their needs. We are a proudly New Zealand owned company that is owned and operated by New Zealand citizens.

How much you can borrow

To help you determine how much money you could comfortably afford to borrow, we have provided a helpful calculator. Use the calculator to find out how much longer it would take you to pay back the desired amount and when you get paid weekly, fortnightly or monthly. The calculator will give you a rough idea of what your repayment terms will be.

Our philosophy is to keep you happy by making the loan process as stress-free and easy as possible, we this by treating our clients like family and providing the lowest interest rate. We are a loan comparison service that uses our knowledge to find you the best financial solution to suit your needs.

The Active Finance Services

One application gives you access to a wide range of lenders without negatively impacting your credit record.

When you apply for a loan through our service by we will apply to the lenders in our network that can cater to what you are looking.

By having access to more than one lender you can compare offers and save money.

Lending criteria needed to apply

As we are a loan finding service we can find you the loan you are looking for no matter what your credit score is as if you have a bad credit record we will find possible bad credit loans on your behalf.

As long as you are over the age of 18 years and you live in New Zealand and have a stable income, we will almost certainly find you the solution you need.

Secured personal loans

When you have very bad credit longer there is still light at the end of the tunnel in the form of a secured personal loan.

In some cases, a lender will accept a form of collateral as insurance against the stress-free.

As you have proved that you have a bad credit score and you may be risky to lend money to the lender will require a form of security that will ensure that you will repay the loan.

By listing your fully paid for house or car as collateral the lender will be able to claim it if you don’t make the payments.

This gives the lender security so they are more likely to accept your quick cash loan application, but is very risky for you as if you default on your loan you will lose your collateral.