Personal Loans for when life gets expensive
Life doesn’t always go to plan. The car breaks down. A family member passes. The school fees are due and the budget’s already stretched. Something comes up and you just need to sort it – without a complicated process or feeling judged for asking.
Pacific Finance has been providing personal loans to Auckland families for over 30 years. We’re based in Avondale, and we know this community well. Most of our customers come to us through someone they already trust – a family member, a friend, someone from church.
We lend from $500 to $20,000. We keep the process simple, respectful and as fast as we can.
What do people use personal loans for?
There’s no single answer people come to us for all kinds of reasons. Some of the most common:
- Family events, commitments and supporting relatives
- Funeral costs, unveilings and urgent bereavement travel
- School fees, uniforms, devices and camp costs
- Emergency bills and unexpected household costs
- Car repairs and vehicle expenses
- Debt consolidation – combining multiple bills into one payment
- Short-term financial pressure and bridging gaps
Whatever your reason, you don’t need to over-explain yourself. We’re here to help, not to judge.
Can I apply for a personal loan with bad credit?
Yes – we consider every application individually. We know that sometimes life happens and credit history doesn’t tell the whole story. At Pacific Finance we look at your full situation, not just a number. If you’ve had credit issues in the past, talk to our team we may still be able to help.
We lend to people in all kinds of situations
Some of our customers are working full time. Some are self-employed. Some are on a benefit. Some have had credit issues in the past. Some are coming back for a top-up because they’ve been with us before. Every application is assessed individually – by real people, not an automated system.
Apply online in about 2 minutes, or call our team on 0800 744 227 or visit us at our Avondale branch. Whichever way you choose, you’ll deal with real people who take the time to listen.
Explore your options
When something comes up, we make it fast, simple and judgement-free.
Still have questions?
If there’s anything you’re not sure about whether it’s the process, what you need, or whether you’re likely to qualify our team is here to help. You can call us, send a message or visit us in Avondale. There’s no pressure and no obligation.
