Here when life gets expensive
Even when you’re managing things well, life can suddenly get expensive. The car needs repairing, family travel comes up, Christmas costs arrive, or you want to consolidate existing debts into one repayment.
Pacific Finance provides personal loans from $500 to $20,000, with real people who take the time to understand what you need and what repayments will work for your situation.
Whatever life has brought your way, we’ll treat you with respect and give you a clear, honest answer about what’s possible.
Whatever’s going on, we’re here to help you through it quickly and without making it complicated.
See what your
repayments could
look like
See what your repayments could look like
Use our calculator to check estimated weekly or fortnightly repayments before you apply – no commitment and no personal information needed.
Join thousands of satisfied customers who’ve achieved their goals with Pacific Finance. Our online application takes just 2 minutes to complete.
Or call us on 0800 744 227 to discuss your needs.
Ready to apply?
It takes 2 minutes
Start your application online anytime. We’ll ask a few questions about what you need, your income and your financial situation so our team can understand how we may be able to help.
Prefer to talk first?
Call us or visit the team in Avondale.
What can we help with?
When life brings an extra expense, talk to real people about your options.
Why Pacific families choose Pacific Finance
Trusted for over
30 years
A long-standing Auckland lender Pacific families know and trust.
Real people,
real support
Talk to people who listen, explain things clearly and genuinely want to help.
Fast help when
needed
Simple applications and clear next steps when life becomes expensive unexpectedly.
Here for Pacific
families
We understand what it means to carry the whole family — not just your household, but the wider whānau and community too.
Finance with respect and understanding
Straightforward, respectful lending without judgement or unnecessary complexity.
What our customers say
How our process works
Complete our simple online application, give us a call or visit us in Avondale.
Our team will talk through your situation, answer questions and explain the process clearly.
We'll give you a clear answer and walk you through next steps — no surprises, no confusing paperwork.
Frequently asked questions
Have questions about personal loans? You’re not alone. Browse our frequently asked questions to find clear answers about eligibility, applications, repayments, and everything in between.
Prefer to talk first to a real person? Call us or visit the team in Avondale.
Every application is considered individually. We look at your income, regular expenses, existing commitments, credit history and any security available to make sure a loan is suitable and affordable for your situation.
If you’re unsure whether a Pacific Finance loan could be right for you, talk to our team.
Yes. You can apply online anytime using our simple application form.
Many customers use loans for family expenses, funerals, school costs, travel, emergencies and unexpected bills.
Absolutely. Our team is here to answer questions and help guide you through the process
Our Auckland office is located in Avondale. You’re welcome to apply online, call us or come and see the team.
