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Avanti Finance review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Avanti Finance suits New Zealand borrowers who can pledge a car or a home and want the lender itself rather than a broker. Borrowing runs NZD 2,500 to NZD 500,000 at rates of 14.95% to 27.95%, and every application carries a hard credit check.

Key facts

Best for
Secured personal, car and home borrowing in New Zealand.
APR
14.95% to 27.95%↗
Loan amount
NZ$2,500 to NZ$500,000↗
Term
6 to 84 months↗
Arrangement fee
$140 unsecured; $230 vehicle-secured; $530 property-secured↗
Credit check
Hard↗
Funding time
Within one business day of the loan agreement being signed↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
No↗
Eligibility
18 years of age or older↗
Loan types
Personal, Car, Business, Debt-consolidation, Secured, Bridging↗
Use cases
Home-improvement↗
Legal entity
Avanti Finance Limited↗
Headquarters
New Zealand↗
Founded
1989↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Official website
avantifinance.co.nz

Mortgages

Initial rate
6.85%↗
Maximum loan to value
50% to 100%↗
Product fee
NZ$775↗
Purpose
Purchase, First-time-buyer, Buy-to-let, Home-equity↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • Loan types cover personal, car and business, with borrowing of NZD 2,500 to NZD 500,000 over 6 to 84.
  • It lends as direct lender, and loan to value on property security runs 50% to 100%.
  • Support runs on phone, email and help centre, and the business has been lending since 1989.

Cons

  • Free early repayment: no, so settling a loan before the agreed end carries a cost.
  • A hard credit check sits on every application (hard), so the decision rests on your file.
  • The origination fee of $140 unsecured; $230 vehicle-secured; $530 property-secured is set by security type, and rates run 14.95% to 27.95%.
Avanti Finance

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • New Zealand borrowers with a car or property to pledge who prefer dealing with the lender rather than a broker.
  • Applicants over a minimum age whose credit file can clear a hard check.
  • Home buyers and property investors using home equity or bridging finance on a fixed rate.

Who should look elsewhere

  • Cashspace, whose APR runs PHP 12 to PHP 36, if you are borrowing outside the market Avanti lends in.
  • Sofkredit, whose APR runs 10.74% to 18.06%, if a lower headline rate matters more than pledging a car or a home.
  • Creduma ES, with a minimum amount of from €12,000, if you need a European lender rather than a New Zealand direct lender.

Who runs it

Avanti Finance Limited is the legal entity that lends, based in New Zealand. The company was founded in 1989, so it has a long record on the New Zealand lending scene. Support runs on phone, email and help centre, with a help centre, phone and email for anyone weighing a car loan, a home loan or business finance.

How Avanti Finance compares

Where Avanti Finance is available

Available
New Zealand

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Avanti Finance charge to arrange a loan?+

Avanti Finance charges an origination fee of $140 unsecured; $230 vehicle-secured; $530 property-secured, with the amount set by how the loan is secured. Interest runs at 14.95% to 27.95% depending on the product and the credit file, and a product fee of NZD 775 is listed as well, so the total cost sits above the headline rate.

How much can I borrow, and for how long?+

A loan can run NZD 2,500 to NZD 500,000, and terms run 6 to 84. The rate is set per product and per credit file, sitting at 14.95% to 27.95% across the range the lender publishes. Personal, car, business and bridging finance all sit with the same lender rather than being passed on to a broker.

Does Avanti Finance run a hard credit check?+

Yes, Avanti Finance runs a hard credit check when assessing an application, so the published rate of 14.95% to 27.95% is set against the file rather than a lighter prequalification. Applicants also need to be over a minimum age, and the hard check is the entry price for secured pricing.

How quickly is the money released?+

Funding is Within one business day of the loan agreement being signed. The loan agreement is signed before the money moves, so the release date depends on having paperwork ready. Support runs on phone, email and help centre, so anything outstanding can be settled before signing.

Can I pay a loan off early without a charge?+

Free early repayment: no. Settling an Avanti Finance loan early carries a cost, so paying more than the agreed amount shortens the term without a rebate. Lending is fixed rate, so the rate you sign at holds for the rest of the term and the remaining balance keeps accruing at it.

What can I use the money for?+

The lender covers personal, car and business, and the one named use case is home improvement. Home lending covers purchase, first time buyer and buy to let, so those purposes sit alongside the personal, car, business and bridging loans under one lender.

How does the home lending work?+

Home loans are fixed at an initial rate of 6.85%, and loan to value on the security runs 50% to 100%. The rate is fixed rather than variable, so it does not move with the market during the term. Purposes include purchase, first time buyer and buy to let.

How do I get hold of the company?+

Support runs on phone, email and help centre, listed against Avanti Finance Limited in New Zealand. Phone and email cover most questions, and a help centre handles the ones you can look up yourself. The legal entity is the lender, so a query on an existing loan goes to the company that wrote it.

Sources

  • avantifinance.co.nz checked September 26, 2026

    Backs: Founded, Funding time

    “We've been helping New Zealanders finance their dreams since 1989.”

  • avantifinance.co.nz/contact-us checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Avanti Finance Limited Level 3, 30 Daldy Street Auckland Central Auckland 1010”

  • avantifinance.co.nz/faqs checked September 26, 2026

    Backs: Credit check, Eligibility, Free early repayment, Lender type, Use cases

    “We use credit reporting agencies to look up an applicant's credit score, help us assess applications for credit”

  • avantifinance.co.nz/products/auto-loans checked September 26, 2026

    Backs: Loan amount, Term

    “Auto Loans - Loan amounts $2,500 - $500,000”

  • avantifinance.co.nz/products/home-loans checked September 26, 2026

    Backs: Purpose

    “Buying a first or family home; Purchasing an investment property; Renovations and construction (including cost overruns); Bridging finance”

  • avantifinance.co.nz/rates-fees checked September 26, 2026

    Backs: APR, Initial rate, Loan types, Maximum loan to value, Pricing model, Arrangement fee, Product fee, Rate type

    “Personal Loans: Unsecured fixed interest rates between 14.95% - 27.95% p.a.”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

Avanti Finance

Avanti Finance

Secured personal, car and home borrowing in New Zealand.

9.1/10See alternatives