Rating based on 1,242 reviews

Admiral Finance

Admiral Finance is a Registered Financial Service Provider / FSP 9421

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About Admiral Finance

At Admiral Finance we care about our customers and we strive to help those of them who have bad credit access money when they need it.

We are a reliable and transparent payday loan provider that will always ensure you understand the processes and costs involved in taking out a loan.

Refined, fast And simplified processes

Our application processes are refined, fast and simplified and customers can enjoy all this online. Whether you're looking for a small loan or a bigger loan for debt consolidation - we can provide you with the most flexible loan.

What Admiral Finance can offer you

At Admiral Finance we offer customers who have poor credit these fantastic and flexible loans which can be used to consolidate debt, pay bills and make large purchases.

Even though we cater to people with a poor credit history our rates are very reasonable and our personal loan terms allow for affordable monthly installments.

Loans from $5,000

We offer secured cash loans that range from $5,000 to $50,000 at an AIR of between 13.95% to 24.95% per annum. No matter what you needs, budget and income you can afford a bad credit loan from Admiral Finance since we have one of the most flexible loan terms on the market.

Interest Rate

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Loan Amount



Repayment Term

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In a Nutshell

  •  Average processing time 24 hours
  •  Online application
  •  In-store application
  •  Secured loan option
  •  Bad credit consideration

We can help you lift the finacial strain, even with a bad credit history

When it comes to applying for a loan - people feel like they're going to have to go through a difficulty and drawn out process but, as an online lender our application is far from this.

You can complete the application and upload the supporting documents online quickly and with very little effort.

What you'll need to apply

To apply you must be a NZ citizen or resident that is employed full time, is 21 or older and that can provide us with bank statements, pay slips, a photo ID and a completed online loan application form. Once we've processed these we will make you a quick loan offer and send you a loan agreement form.

A stain on one's credit record should not have to mean that one will always be behind or stuck in life. With Admiral Finance, we want to help everyone make their goals and dreams a reality, which is why we offer bad credit loans to those who are in need.

We believe in simplicity

Life is difficult enough at times as it is - which is why at Admiral Finance we want to make life simpler. Unlike other lenders our services can be attained with minimal fuss and our clients can apply for a bad credit loan either by completing an online application form, or giving us a call on our toll-free number and we can get the ball rolling. No more need for long drawn out processes with endless paperwork and difficult to understand jargon.

Saving you time

Our online application will take you only 5 minutes to complete along with uploading your supporting documents. Applicants will receive an answer on their application within 1 hour after successful submission (*during working hours).

Getting your money

Once a loan application has been assessed and approved by one of our friendly and professional team members, successful applicants can expect their loan amount to be deposited directly into their chosen bank account or receive it through a cash cheque, the choice is theirs.

Eligibility & Requirements

  •  22 years or older
  •  NZ resident
  •  Credit check
  •  Can you provide security
  •  Bank statements

Other Products & Services

  • Boat loans and boat finance
  • Home renovation loans
  • Debt consolidation loans
  • Car loans and car finance
  • Instant finance
  • Fast cash loans and fast finance
  • Bridging finance
  • Home renovation loans
  • Second mortgages
  • Unsecured loans
  • Business loans
  • Personal loans

Customer Reviews & Testimonials

Contact Details

 Visit Website Apply Directly


 Physical Address

  • 45 Mandeville Street, Level 1, Riccarton, Christchurch, Canterbury, 8011, New¬†Zealand

 Postal Address

  • PO Box 36 606, Merivale, Christchurch, 8146, New¬†Zealand

Opening Hours

  •  Monday 08:00 – 16:45
  •  Tuesday 08:00 – 16:45
  •  Wednesday 08:00 – 16:45
  •  Thursday 08:00 – 16:45
  •  Friday 08:00 – 16:45
  •  Saturday Closed during winter –
  •  Sunday Closed –