Rating based on 25 reviews

Oxford Finance


  • Low-interest starting from 9.95%
  • Personal loans up to $20,000
  • Repayment up to 5 years

In-page navigation

Oxford Finance homepage

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

About Oxford Finance

If you want financial growth, then Oxford Finance Personal Loans is there for you.

As one of New Zealand's fastest-growing lenders - they've been swimming against the stream while, striving to introduce some of the most competitive and advanced financial products to the market and, they've certainly succeeded to date.

With over 25 years in the business, they have the experience that counts. They are committed and dedicated to giving you a better chance at this maze called life. Their personal loans set you on track to overcome your financial crisis.

A flexible lender with outstanding loans

Oxford is a lender that offers more than the rest. They do not simply give you what you ask, but they go beyond that and look into other ways that they can help you, not just with personal loans.

From better rates to longer loan terms and adjustable personal loan amounts, Oxford Finance can truly claim to be a flexible lender. What you need is what you get, if not more and with terms, you can meet.

Oxford personal loans, enable you to grow

This has enabled them to keep growing as a company and amass a large customer base. For the past 25 years, they have earned the trust of many clients in search of personal loans and other financial products.

They work around the clock, to preserve that trust. Allow Oxford Finance to carry you when you are financially weak.

What Oxford Finance can offer you

They offer secured personal loans that range from $1,000 to $20,000 with loan terms that vary from 12 to 60 months.

These personal loan terms are sure to make your financial state better and also help you gain good credit. Their loans are ideal for a wide range of applications including consolidating debt and purchasing a vehicle or house. They have a quick turnaround and are always available to assist you at any time.

Whenever you need them, they change your situation for the better with their personal loans.

Their personal loans are secured

They require that you provide security for any bigger loan needs as this will allow you to obtain a bigger loan amount and secure a lower rate. Oxford Finance is set on making sure that you only get the best personal loan deal for you.

If you need a smaller short-term loan then you may want to obtain an unsecured loan,  which will provide you with a small amount of money, quickly. You get the loan amount as soon as possible so that you can tend to emergencies.

Vehicle finance products offered

Whether it be a new or used car, van, motorbike, or a boat (trailered craft only), Oxford Finance can help you. They work with you to ensure that your vehicle loan repayments are manageable and fit your budget without creating further debt.


Oxford Finance Product Details

  • Loan Type Personal loans
  • Interest Rate 9.95 – 25.95% p/a
  • Loan Amount up to $20,000
  • Repayment 12 months to 5 years
  • Decision 24 hours

Here’s how to apply with Oxford Finance

One of the hardest things to do is find an affordable quick personal loan that can be obtained online within hours but with Oxford Finance, it is more than possible.

While they are an online lender, they strive to add a personal touch to everything that they do. You can always make contact with them to ask a question or resolve a problem for you. Oxford Finance is a company that values you.

Prepare your supporting documents ahead of time

Their step-by-step personal loan application will make it easy for you to complete the form quickly and accurately. They recommend that before you begin, you prepare your supporting documents and read through the information that they have made available on their website.

Benefits of a Personal Loan with Oxford Finance:

  • They offer high-quality and convenient personal loans.
  • A company that strives to meet your need.
  • 24 hours access to a fast helpline.
  • Online calculator to help you choose the best loan for you.
  • Affordable and competitive loan rates.
  • Easy online applications.

Personal loan application fees and rates

They will charge for each personal loan application that will be submitted to the company. The application fee is paid for all the administration work that will be done.

The amount will be used to help them, help you find the perfect personal loan in New Zealand you can afford without putting yourself in debt. They will also be charging a small amount per monthly installment is 2.5 dollars per payment that is made by you each month on your loan.

Terms in which you can pay back your personal loan

Their company offers you the ability to choose if you would like to pay your loan back in 12 months or 5 years. They are there to help you out and if you have questions regarding the amount of time you can contact them on the number provided via their webpage.

Take full advantage, Go ahead and use the calculator

You can use the calculator to confirm that your chosen loan is affordable for you. You can also play around with the figures and find the perfect personal loan for you and your pocket.

Customer Reviews & Testimonials

January 2020

When I was unsure of how to upload my documents all I did was phoned through and a broker assisted me the whole step of the way.

Devon L
— Christchurch —

April 2020

When I applied for my first loan online I was unsure what to do so I contacted the call centre where they helped me get my online document submitted and I was approved for my loan Thank you for t...

Frances O
— Auckland —

March 2021

When I applied for my first personal loan online I was unsure what to do so I contacted the call centre, where they helped me get my online documents submitted and I was approved for my loan. Tha...

Oliver F
— Auckland —

July 2021

When I was unsure of how to upload my documents all I did was phone Oxford Finance and worked through a broker who assisted me every step of the way.

Landman D
— Christchurch —

December 2021

Nowadays finding a lender company that truly puts you and your needs first is scarce. When I applied for a personal loan I had lost all hope, but then Oxford Finance showed me that quality and c...

Hugh A
— Dunedin —

Oxford Finance Contact Details

Contact Number


  • not available


Physical Address

Postal Address

  • PO Box 429, Levin, 5510, New¬†Zealand

Opening Hours

  • not available