Rating based on 40 reviews

Admiral Finance


  • Low-interest starting from 13.95%
  • Business loans up to $50,000
  • Repayment up to 5 years

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Admiral Finance homepage

Author Admiral Finance. Screenshot of Admiral Finance website. [Accessed May 23, 2018]

About Admiral Finance

Obtain the very best secured business loan solution in NZ.

As an online lender, they are able to service the entire country with their range of secured personal and business loans.

Unlike other lenders who focus solely on your credit history, they look at your income to decide if they can assist you and even low-income earners are welcome to apply.

Getting you sorted faster

Since they are an online lender, they are able to process applications quickly and efficiently while getting you the money you need faster. With them, you can enjoy the flexibility you deserve and tailored loans. So, whether you have bad credit, a lack of history, or have no security and would like to assign a guarantor - they can help.

How they started

Admiral Finance was created by the people for the people in 2003 and they are 100% New Zealand owned. They wanted to assist kiwis with finance that is fair and affordable with the bigger picture of a successful New Zealand in mind.

What Admiral Finance can offer you

All of their loans are secured and you must be able to provide some form of collateral or a guarantor who can do so.

Not only do they specialize in business loans but also second mortgages, car loans, personal loans, bridging finance, and much more.

Business rates and loan terms

Admiral Finance offers loan terms that range from 6 to 60 months and an interest rate that ranges from 13.95% to 24.95% per annum. You can apply for a personal or business loan of up to $50,000 at any time of the day or night via their website.

A reliable company you can partner with

Their main aim is to help kiwi businesses to reach success and they do this through affordable and speedy business finance.  The great part is that they will work with your budget as well as your cash flow needs to get you exactly what you need to grow your business.

Admiral Finance Product Details

  • Loan Type Business loans
  • Interest Rate 13.95 – 24.95% p/a
  • Loan Amount up to $50,000
  • Repayment 6 months to 5 years
  • Decision 24 hours

Look no further than Admiral Finance - we will fund your business

Once you've checked to make sure you meet their minimum requirements for a loan you can then make your way to their website and begin your online loan application.

You can also apply for a quick loan telephonically during business hours should this be more convenient for you.

Look no further than Admiral Finance

In order to apply for a loan online with Admiral Finance, you must be aged 21 or over, be a citizen or permanent resident of New Zealand, be able to provide security for your loan, and be able to provide a valid form of identification. You may not be bankrupt or be under a "no asset procedure".

Simply apply online within only 5 minutes

Step 1:

They have made the loan calculator available to make things easier for you. You will be able to check how much you would like to apply for and how much you would like to pay on your loan amount.

What is great about the loan calculator is that you can change the amounts to see which repayment options would be better for you. With them, you can either repay weekly, biweekly, or every month. Once you have selected the right amount and terms for you, proceed by clicking on apply.

Step 2:

In this step, they will ask you for a few details and supporting documents for them to determine if you qualify and for how much. They promise to get back to you within 60 minutes.

Step 3:

Once they have approved your loan the funds will be transferred to your account within 24 hours.

Why choosing Admiral Finance is a great idea

  • Fast cash payouts within 24 hours.
  • Their relationships are built on trust and respect.
  • They created options for all financial backgrounds and circumstances.
  • Competitive fees, rates, and terms.
  • A team that is passionate about making NZ a better place.
  • With them, it is easy and convenient to apply.
  • Safety and security.
  • They will put you first and go over and above to get you what you need for your business to grow.
  • Loan approval within just 60 minutes.
man holding thumbs up

Admiral Finance is a trusted & reliable provider of business loans

In our review, Admiral Finance adheres to the compliance criteria in accordance with Credit Contracts and Consumer Finance Act (CCCFA), where the granting the loan will not cause financial distress to the consumer.

Admiral Finance is a registered credit provider in New Zealand: FSP9421

Customer Reviews & Testimonials

November 2020

Endeavouring to begin a start-up is a daunting undertaking. I was so grateful for the amazing support and assistance I received from this organisation when it came to getting a loan for my new bu...

Melissa M
— Christchurch —

February 2020

As a long time business owner I have dealt with my fair share of banks and other lenders, so I can say with confidence that doing business with this organisation has been quick, simple and easy. ...

Caleb B
— Masterton —

January 2020

The ease and convenience of the application and repayment process have blown me away. The website was so user-friendly and the call centre staff very efficient. Great job on all fronts

Thomas B
— New Plymouth —

November 2021

They have helped my business to reach new levels and I am forever grateful.

Bell G
— Auckland —

June 2021

With great attention to details of what I needed they assisted me to improve and expand my business.

Martin O
— Hamilton —

September 2021

I applied in like 3 minutes and received an answer just a few minutes later and received the money I needed in a few short hours. I am so chuffed with this lender.

Taylor H
— Christchurch —

Admiral Finance Contact Details

Contact Number



Physical Address

  • 45 Mandeville Street, Level 1 Riccarton Canterbury 8011 New Zealand
  • Get Directions

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
  • Sunday – Closed