Rating based on 774 reviews
About Fair Finance
Who needs a loan that can't fit into your budget or doesn’t meet your needs?
With Fair Finance we let you, the customer dictate the fast loan amount and the loan term in a way that suits your needs and budget and we consider people with all types of credit.
Passionate and experienced staff
Our staff have been selected not only for their experience and knowledge but for their passion and ability to communicate. When you deal with us you will be treated with respect, expertise and professional from the word GO.
What Fair Finance can offer you
Instead of running a credit check and approving loans based on the history we use an applicant's income and expenses to determine if they can borrow money with us.
This allows us to help people who can afford a personal loan but have a bad credit history.
Our quick loan details
At Fair Finance you can apply for a quick loan that ranges from $500 to $50,000 which can be used for any purpose from consolidating debt to paying overdue bills and making purchases. Whatever your needs Fair Finance will offer you a solution that meets them!
From 0 %
To 0 % Per annum
In a Nutshell
- Average processing time 2 hours
- Online application
- In-store application
- Unsecured loan option
- Secured loan option
- Bad credit consideration
- Early repayment
When you deal with us you will be treated with respect
Although credit cards may be one of the cheapest and most affordable ways to borrow money if you do not qualify for one and need a small cash loan the next best option is to apply for a personal loan with us.
You can get a small amount at a very reasonable rate since our loans are secured.
A simple, uncomplicated loan application
Making a loan application with Fair Finance is very simple since we've cut out all the unnecessary details to help save you time and just simplify a typically complicated matter. Once you've completed the form we will process it and then contact you to request some supporting documents. We offer an online application that cuts down this hassle and simplifies the approval process. Clients can access the application on any device they have, at any given point and from anywhere they are. This allows you to reach us whenever you need. We have an in-store application as well, for those who prefer to apply that way. Our staff is available to help applicants with filling the form, whenever it is needed.
An efficient loan process
Our staff is trained and work with utmost efficiency, which is why the application is processed fast, with the average processing time being 2 hours. The loan is approved quickly, making your life easier.
We have both unsecured and secured loan option. The secured loan requires the lender to offer an asset as collateral until the debt is paid off. This is a security measure that works both ways and aids the lender as well as us. The unsecured loan option is offered to those who do not have any assets to hold as collateral.
However, while processing the application, we consider the credit history of the loaner. To ensure if they are not bankrupt or have bad credit. Another measure that ensures that lenders are in a position to take the debt and pay it back in future. The loan can be repaid earlier if the lender has means to do so. The early repayment option allows the lenders to pay off the debt with their own flexibility.
Eligibility & Requirements
- 18 years or older
- NZ resident
- Employed full-time
- Earning a stable income
- Credit check
- Can you provide security
- Recent pay slips
- Bank statements
Other Products & Services
- Debt Consolidation
- Personal Loans for Students