Unsecured Personal Loans

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Interest rates

From 8.99%

Loan term

1 to 7 years

Online application

5-10 minutes

Loan approvals

Fast and simple

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Trying to compare all the personal loans NZ has to offer? Don’t let it do your head in – Max Loans work the hardest we can to arrange the lowest possible interest rates. To find out about our unsecured loans, read on.



What is an unsecured loan?


An unsecured loan is any loan for which you do not need to provide any assets as collateral. Car loans and mortgages are common examples of secured loans – the car or house in question is repossessed if the loan is not paid off. Many other loans, like credit card and student loans, are not secured by assets.


As unsecured loans do not require an asset to hold as collateral, they tend to have stricter requirements for lending, but more flexibility than other options.


Unsecured loans may have slightly higher interest rates (but not always) than secured loans. Before you take out a loan, whether it’s secured or unsecured, make sure you weigh up the advantages and disadvantages to find out whether it is the right option for you personally. Talk to Max Loans to better understand the risks and disadvantages associated with unsecured loans and how we can help you find a solution that fits!



What can I use an unsecured loan for?


One of the great things about unsecured personal loans is that you can use them for just about anything. If you need to make a few finishing adjustments to a property you want to sell, or it’s time to swap out your old car for one that suits your family, an unsecured personal loan could be exactly the help you’re looking for.


On top of renovations and vehicle payments, a loan through Max Loans could help you pay for:




How am I able to get one?


There are a number of variables that affect whether or not you can take out an unsecured personal loan. These include how much you earn, how stable your job is, your credit history, and how much you’re planning to borrow. You will be required to provide fairly comprehensive information on these criteria before you can be cleared to receive an unsecured loan.


Once we’ve received your information, we’re able to provide you with the details on how much you’re able to borrow – this means we can tailor each loan to suit each client. You don’t need to worry about getting saddled with an interest rate you can’t handle, we’ll make sure it suits your situation before you start making any payments.


Try out our handy Max Loans calculator to see approximately how much you might be able to borrow, and what the repayment schedule could look like. Keep in mind that the calculator is only a guide, and includes estimated interest, establishment fee, security registration and administration fees.


Apply today through Max Loans loans NZ can trust.

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