When applying for a personal loan, one of the most common questions we at Linsa Finance are asked is; “how much can I borrow”.   Although this is a rather broad question it can actually be answered quite simply.

Personal loans can range from a few hundred dollars to several thousand, or even sometimes tens of thousands.  How much money you think you’ll need will be based on what other commitments you have to meet every month; how long you think you’ll need the loan for, and how much you think you’ll need to put aside for budgeting to keep up with other expenses whilst repaying your loan.

How much you are able to loan, or what a loan company will be willing to lend you will depends on many factors. For example, what is your credit rating, your age (if you’re under 18) and what payments you will need to make in relation to your current income. We understand that everyone has different needs and different situations to deal with.  Larger finance companies generally have a very fixed criteria to meet, whereas a smaller loan company like Linsa Finance has the ability to deal with each clients situation on a one to one basis. This means it’s possible to offer more flexible solutions for people who may not otherwise be able to qualify for a loan.


With any loan company, the more money you want to borrow, the more hoops you will generally have to jump through. Most people that we talk to are looking for short-term loans for a short-term solution to get past a short-term problem. They don’t want to have to go through days of hassle just to get a loan for under $1000. Ideally a quick walk in through the door, talk to someone who understands their situation, and who can get them the cash they need within 24 hours.
If you are in a spot of financial bother, and don’t want to have to go to the bank or a big corporate loan company, and don’t want to risk your credit rating by trying to bridge the financial gap, a small loan company is a good option.

The average loan amount Linsa Finance typically deals with is between $500 to $1000. For loans under $1000 the process is very easy and quick. Most loans can be approved on the same day or within 24 hours (except of course on weekends).

Because Linsa Finance is a small family owned business and likes to focus on personal service, we generally stick to the most commonly requested loans – for up to $1000.  Loans for small amounts are an effective way to build your credit history and cover times where you just need a helping hand to get through a small financial crisis.


Most of our clients prefer to give Robert in Tauranga, or Rod in Auckland a call to work out what is needed as a solution to their current situation.

If you want to know what you need to do to get a loan to solve your situation, call Robert or Rod today.

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