Avanti Finance review

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

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Our verdict

Avanti Finance is a New Zealand lender for borrowers who can pledge a car or a home, writing fixed rate loans from NZD 2,500 to NZD 500,000 across personal, vehicle, business and property lending. The catch is the price at the top of 14.95% to 27.95%, and the cost of clearing a loan early.

Key facts

Best for
A fixed rate New Zealand loan backed by a car or a property.
APR
14.95% to 27.95% (Source, checked September 26, 2026)
Loan amount
NZ$2,500 to NZ$500,000 (Source, checked September 26, 2026)
Term
6 to 84 months (Source, checked September 26, 2026)
Arrangement fee
$140 unsecured; $230 vehicle-secured; $530 property-secured (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Within one business day of the loan agreement being signed (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
18 years of age or older (Source, checked September 26, 2026)
Loan types
Personal, Car, Business, Debt-consolidation, Secured, Bridging (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Avanti Finance Limited (Source, checked September 26, 2026)
Headquarters
New Zealand (Source, checked September 26, 2026)
Founded
1989 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
avantifinance.co.nz

Mortgages

Initial rate
6.85% (Source, checked September 26, 2026)
Maximum loan to value
50% to 100% (Source, checked September 26, 2026)
Product fee
NZ$775 (Source, checked September 26, 2026)
Purpose
Purchase, First-time-buyer, Buy-to-let, Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Avanti Finance Limited (Source, checked September 26, 2026)
Headquarters
New Zealand (Source, checked September 26, 2026)
Founded
1989 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • One lender across personal, car and business lending, so a vehicle, a renovation and a property loan can be priced together.
  • Quick payout once the agreement is signed: Within one business day of the loan agreement being signed.
  • Fees are published by security type, $140 unsecured; $230 vehicle-secured; $530 property-secured, so all three tiers can be compared before applying.

Cons

  • Rates of 14.95% to 27.95% sit well above the 12% median APR across lenders on the site.
  • Free early repayment is not on offer, so clearing a loan before its schedule ends costs extra.
  • A hard credit check means a rejected application still leaves a mark on the file.
Avanti Finance

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Borrowers with a vehicle or a property to pledge, who want one lender to cover purchase, first time buyer and buy to let.
  • Anyone funding a renovation or consolidating existing debts, both inside the lending range.
  • Borrowers who prefer certainty, as the rate type is fixed for the life of the loan.

Who should look elsewhere

  • Borrowers who expect to clear a loan early, since free early repayment is not on offer here.
  • Borrowers with a strong credit record: Monzo Flex runs 10% to 23% against 14.95% to 27.95% here.
  • Borrowers outside New Zealand, who would compare Cashspace and PHP 12 to PHP 36 instead.

Who runs it

Avanti Finance is operated by Avanti Finance Limited, based in New Zealand and trading since 1989. The company keeps a support desk open to borrowers through phone, email and help centre, so help arrives by phone, by email or through the help centre rather than in person. Applications are decided by this lender rather than passed to other providers.

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 lend for?+

The range covers personal, car and business. Home lending is aimed at purchase, first time buyer and buy to let, and home improvement is a named use case, so the same lender can handle a vehicle, a renovation and a property purchase without the borrower comparing a separate provider for each.

What APR does Avanti Finance charge?+

Rates on personal and vehicle lending sit at 14.95% to 27.95%, against a median of 12% across lenders on the site. That is a wide spread, and the top of it is expensive, so what you pledge and how much you take do real work in the final number.

What fees does Avanti Finance charge?+

The arrangement fee is $140 unsecured; $230 vehicle-secured; $530 property-secured, and it scales with the security, so an unsecured loan costs the least to set up and a property secured loan the most. A product fee of NZD 775 also sits on the schedule, worth adding to the interest when comparing quotes.

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

Loan amounts run NZD 2,500 to NZD 500,000, with terms of 6 to 84 on the vehicle and personal side. The ceiling sits far above the €876.96 median amount across the site, so the lender is worth a look for a vehicle or a property rather than a small emergency top up.

Does Avanti Finance run a credit check?+

Applicants need to be 18 years of age or older, and the check itself is hard, so an application is a real application and a mark stays on the file. Borrowers who have applied elsewhere recently should expect a visible search rather than a quiet one.

How quickly does Avanti Finance release funds?+

Payout is Within one business day of the loan agreement being signed, so the clock starts once the agreement is signed rather than when the application is sent. A car buyer with a vehicle already agreed can plan around that gap, while a borrower chasing an urgent bill cannot.

Can I repay an Avanti Finance loan early?+

Early repayment is not free here, so settling the balance before the schedule ends carries a cost. That matters for borrowers who expect their income to rise, and most of the lenders compared on the site do allow it, at 81.2%.

Does Avanti Finance lend against property?+

Yes. Home and equity lending runs at a loan to value of 50% to 100% and covers purchase, first time buyer and buy to let. The arrangement fee is the highest of the three tiers on a property secured loan, $140 unsecured; $230 vehicle-secured; $530 property-secured, so the security buys a bigger ceiling rather than a cheaper set up.

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

A fixed rate New Zealand loan backed by a car or a property.

9.0/10See alternatives

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