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Central Finance & Loans

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About Central Finance & Loans

Most kiwis will agree that their local bank seems to be interested in them only when the money is flowing in but, when they need a helping hand there flat our refused.

If you need a personal loan and have been refuse by your bank - we can help you! We're here for you when things are good and when things are not so good!

Finance that meets your needs

When you take out a loan at a bank you're likely going to be offered a loan that simply doesn’t meet your needs. Why make unnecessary compromises when taking out a personal cash loan when you don’t have to? At Central Finance and Loans we offer small loans online that meet the needs of our customers and are affordable!

What Central Finance & Loans can offer you

Need money right now?

If you're pressed for both time and cash we can offer you a convenient solution - a fast loan that you can apply for from home and have credited to your everyday bank account instantly. We're efficient, fast and affordable - a mix that's quite hard to find!

Borrow up to $500,000

At Central Finance and Loans we offer affordable rate from 12.95% and both secured and unsecured personal loans. Our loans range from $1,000 to $500,000 and we have loan terms from 6 to 50 months so our loans meet just about any need - at the best rates in the country!

Interest Rate

From 0 %

Loan Amount



Repayment Term

0 months

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In a Nutshell

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

Apply online today and get your loan instantly

We know that many customers feel like applying for a loan is simply something that will take too long and will cause stress but with Central Finance and Loans it's exactly the opposite!

Our quick loans are flexible enough to allow you to choose a loan term and loan amount that meets your exact needs - apply today and find out for yourself!

How to apply for a loan

Simply fill in our online personal loan application by providing us with your personal, contact and employment details. Once you're done you will need to send us the necessary supporting documentation after which we will conduct our affordability check before transferring the money to your account.

Please make sure of the following

When answering your loan please ensure that all of your questions are answered correctly and honestly. Please keep in mind that your online application will be sent through processing. We will need an application that has been completed correctly for it to be accepted.

Is it possible to apply for a loan if you are not a citizen of New Zealand

Yes, you can apply for a loan here in New Zealand if you are not a citizen. All you will have to do is the following you will need to be living here in New Zealand for more than three years and have proof if we ask you for the documents. You can also use your Visa as proof if you are here working and you need a loan supply us with your visa and we will help you.

We will contact you

As soon as your application has been sent through processing and you have been accepted. We will contact you to let you know that your loan has been accepted and find out from you which account you would like your loan to be sent too.

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Credit check
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Personal loans
  • Car loans
  • Debt Consolidation loans
  • Loans for home owners

Customer Reviews & Testimonials

Contact Details

  •  0800 100 630


 Physical Address

  • 1 Magnolia Place, Richmond, Nelson, 7020, New Zealand