What types of loans does Armstrong's Finance offer?
We arrange finance across all the main personal loan types, from car and boat loans to renovations, motorbikes and business lending. You make one application and we compare your loan options to find one that fits. Choose a category below to learn more.
Business Loans
Funding for growth, stock and cashflow.
Why choose Armstrong's Finance?
Instead of approaching lenders one by one, you apply once and we do the legwork. As a licensed financial advice provider, we weigh up the options on your behalf and will always act in your best interests. Pricing is set out upfront, with no hidden surprises.
Simple application
Apply online in minutes. Quick response, no waiting around.
Loans for all sorts
Cars, boats, bikes, motorhomes, equipment, personal loans, renovations and more.
No hidden fees
Transparent pricing upfront.
On your side
As a registered Financial Advice Provider, we’re required by law to put your interests first.
Real people
A team of experienced, qualified advisers available to help you every step of the way.
More lenders, better deals
We compare across a broad panel of 20+ NZ finance partners to find the right fit for you.
It's Simple
How it works
Get a quick quote
Tell us a little about what you need to get an indicative estimate. There's no obligation to proceed, and it won't affect your credit score.
We compare the options
We compare personal loans across our lender panel and line up the ones that suit your situation, then talk you through them.
Submit your application
Once you're happy with a personal loan option, we’ll ask for information such as proof of income and ID to help process your full application.
Get your funds
Subject to responsible lending criteria and lender assessment, approved funds can be paid out quickly.
FAQs
General
5 FAQsquestions
General
5 FAQsquestions-
What is the difference between a secured vs unsecured loan?
A secured loan uses an asset like a car or property, as security against the loan. If you default on repayments, the lender might be entitled to repossess that asset.
An unsecured loan requires no asset as security. If you miss payments, your property is not at risk, though fees and charges may still apply.
Armstrong's Finance works with lenders offering both secured and unsecured options. We'll help you find the structure that best suits your situation. -
What if I have bad credit?
We work with a panel of different lenders, and every application is assessed on its own merits. Even if you've had bad credit in the past, it's still worth applying. We'll do our best to find a solution that works for your individual situation.
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How do I know Armstrong's Finance is acting in my interest?
As a registered credit broker, we have legal obligations under the Financial Markets Conduct Act 2013 and the Responsible Lending Code to act in your best interests and provide advice that is suitable for your circumstances. We compare options across our lender panel and recommend the option we consider most suitable for you. We are remunerated by way of commission paid by lenders. Full details of our fees and how we are remunerated are set out in our Disclosure Statement, available on our website and on request free of charge.
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What if I have a complaint?
We're committed to resolving any concerns quickly and fairly. If you're not satisfied with our service, please contact us directly in the first instance. If we are unable to resolve your complaint to your satisfaction, you can refer it to [DISPUTE RESOLUTION SCHEME PLACEHOLDER, e.g., Financial Services Complaints Ltd (FSCL) or Financial Dispute Resolution Service (FDRS)], our independent dispute resolution provider. This service is free of charge to you. Details are set out in our Disclosure Statement and on our Complaints page.
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Can I apply if I'm self-employed?
Yes. We work with self-employed applicants regularly. You'll need to provide evidence of income (such as bank statements or tax returns), and we'll find the lender on our panel that suits your situation.