Rating based on 26 reviews

Advantage Finance


  • Low-interest starting from 9.75%
  • Short-term loans up to $1,000,000
  • Repayment up to 6 years

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

About Advantage Finance

With more than two decades in the NZ financial industry, Advantage Finance has built a solid reputation for being one of the most reliable and efficient property finance specialists in New Zealand.

We are a registered, responsible and direct lender that always puts the customer first.

Why we're unique

Our company was founded in 1994 and has since then provided Kiwis with years of reasonably priced property loans and all round great service. We're different because we've got the experience, customer base and offerings to back up our claims.

What Advantage Finance can offer you

At Advantage Finance we offer short term loans, long term loans and business loans that you can structure the repayments in an interest only, capitalized interest and progress payment format depending on your individual needs and personal financial circumstances.

Our short term loans are ideal

Our personal loans are great because they offer you the money you need now but, do not keep you in debt for an extended period of time. You can get up to $3 million and then repay the entire sum in just the right length of time depending on your needs. This means you can do more now but won't be stuck in debt for years.

Advantage Finance Product Details

  • Loan Type Short-term loans
  • Interest Rate 9.75 – 11.95% p/a
  • Loan Amount up to $1,000,000
  • Repayment 3 months to 6 years
  • Decision 72 hours

Advantage Finance has a quick and easy loan application & fast turnaround times

If you're ready to make your application please view our requirements below to ascertain that your application will go through and avoid any unnecessary time wasting.

While our short term loans can be obtained online we endeavour to make your experience with Advantage Finance a personalized one where you receive the attention that you need quickly.

Some general eligibility requirements

To apply for a quick cash loan with Advantage Finance you must be aged above 18, be a NZ citizen and be employed in a full time position. Once you've completed the online loan application form we will request a copy of your ID, your bank details, your most recent pay slips and your bank statements for the preceding three months as well as the details of the property to be used as security.

Funding options to suit your pocket

Advantage Finance has a loan option for everyone which is why we will determine which loan is best suited for your situation. We offer two basic funding options; the ‘interest only’ option and the ‘capitalized interest option’. The former allows the borrower to repay the interest accrued monthly and then repay the loan in its entirety by the end of the loan period. This option is perfect for those waiting to receive a lump sum payment, e.g.: from a house sale. The capitalized interest option does not require the borrower to make repayments during the term of the loan. This option is popular amongst businesses with limited cash flow as the amount can be repaid upon completion of the project.

Products to suit your preferences

When it comes to finances you are the expert on your needs and preferences. Just as individuals are unique, finances should be equally so in order to provide maximum flexibility to our customers. If you are not satisfied with the service or product then simply give us a ring on the phone, or send us an email, and one of our friendly employees will gladly sort out the situation. When it comes to borrowing from us we ensure that our customers are completely satisfied – no less.

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Advantage Finance is a trusted & reliable provider of short-term loans

In our review, Advantage 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.

Advantage Finance is a registered credit provider in New Zealand: FSP13501

Customer Reviews & Testimonials

September 2018

Borrowing money was a schlep in the past but after dealing with Advantage Finance I was pleasantly surprised by how efficient and friendly the entire process was. From easy applications to great ...

Tim B
— Te Kao —

December 2018

Most lenders treat you as another number on their list but Advantage Finance is different. After having leant from them I feel as though I am part of the family. I will definitely go back to them...

Denise D
— Ahititi —

February 2019

One of my largest fears about borrowing money was the high rates but, after speaking with the friendly Advantage Finance employees, I realised that I was misinformed. Advantage Finance really pla...

Greg S
— Ohakune —

Advantage Finance Contact Details

Physical Address

Postal Address

  • PO Box 36623, Merivale, Christchurch, 8146, New Zealand

Opening Hours

  • not available