Max Loans

Name

Max Loans

Legal name

Max Money Group Limited

Website

https://maxloans.co.nz

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Consumer Lending Advisory

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Prime Unsecured Personal Loans (Installment) (FSAKAAAA)

akta.pro secondary industries

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG), Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)

Keywords

• Personal loan advisory
• Consumer lending broker
• Debt consolidation loans
• Car finance advisory
• Bad credit lending

Headquarters

HQ city

Auckland

HQ country

New Zealand

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Advice Fees: Max Loans charges advice fees for their financial advisory services based on the size and complexity of the loan, the lender and the work required. Standard personal loan advice fee is up to 10% of the finance amount plus a $95 administration fee, capped at $1,095 (GST exempt). For loans involving caveats with large debt consolidations, the fee is capped at $2,500 (GST exempt). The advice fee is capitalised to the loan and paid directly by the lender.
2. Lender Commission: Max Loans receives initial commission from lenders who provide personal loan products. Commission is based on the amount of loan settled with that lender. Commission amounts vary depending on the product provider and type of loan.
3. Insurance Commission: When helping customers secure credit-related insurances in conjunction with personal loans, Max Loans may receive commission ranging from 20% to 30% of the premium if organized via product providers. If organized directly through Janssen Insurance, they receive the difference between wholesale and retail insurance premium.
4. Referral Commission: If unable to help secure a personal loan through their providers and referring customers to referral partners, Max Loans may receive a referral commission of 10% of the finance amount.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Max Loans operates as a New Zealand Personal Lending Adviser, acting as an intermediary that matches individual borrowers with suitable lenders from a curated panel of 10+ non-bank providers including Avanti Finance, Finance Now, Geneva Finance, Latitude Financial Services, and Unity Credit Union. The company offers secured and unsecured personal loans ranging from $1,000 to multi-year terms of 12 to 84 months, with Annual Interest Rates of 8.99% to 29.95% p.a. and APRs of 9.72% to 30.86% p.a. Revenue is earned via advice fees charged to customers (capitalized to the loan) plus initial commissions from lenders and insurance referral commissions.

Product overview

Max Loans operates as a Personal Lending Advisory company offering a comprehensive suite of personal loan products across New Zealand. The core offering is a loan marketplace that connects borrowers with an extensive panel of lenders, providing both secured loans (protected by collateral such as vehicles) and unsecured loans (without asset requirements). The product portfolio spans 12 distinct loan categories including Bad Credit Loans, Car Loans, Classic Car Loans, Debt Consolidation Loans, Emergency Loans, Holiday Loans, Home Improvement Loans, Mortgages and Home Loans, Secured Personal Loans, Unsecured Personal Loans, Wedding Loans, and Business Loans. Supporting services include Personal Loan Top-Ups for existing customers and a Loan Calculator tool. The company has been operating in New Zealand finance since 2012 and works with multiple lender partners including Avanti Finance, Finance Now, Geneva Finance, and Latitude Financial Services, among others.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Loans Core personal lending product offered in both secured and unsecured forms, giving NZ borrowers access to an extensive panel of lenders through a single application. Loan amounts start at $1,000 with terms from 12 to 84 months and Annual Interest Rates from 8.99% to 29.95% p.a.
• Bad Credit Loans Specialized loan products for NZ borrowers with poor credit histories, defaults, or damaged credit scores, designed to help customers access finance when mainstream banks decline and rebuild their credit profile through responsible repayment.
• Car Loans Vehicle financing for new and used cars, including pre-approval options that give borrowers bargaining power when negotiating with dealers or private sellers across New Zealand.
• Classic Car Loans Specialized lending for classic, vintage, performance, and muscle cars, addressing the challenge most financial institutions face in providing loans for older vehicles.
• Debt Consolidation Loans Loans that consolidate multiple existing debts into a single manageable repayment, typically at a lower overall interest rate, simplifying finances and potentially reducing monthly payments.
• Emergency Loans Quick-access financing for unexpected expenses such as medical bills, funeral costs, urgent home or vehicle repairs, providing financial relief when needed most.
• Holiday Loans Loans designed to finance holiday and travel expenses including flights, accommodation, and entertainment, enabling customers to take trips without waiting to save up.
• Home Improvement Loans Financing for home renovation projects and repairs, from essential fixes like plumbing or wiring to major upgrades like kitchen remodels or bathroom renovations, without requiring home equity.
• Mortgages and Home Loans Home financing solutions including first home buyer loans, refinancing options, and mortgage advisory services provided through the associated Max Mortgages brand.
• Secured Personal Loans Loans protected by collateral such as a car or other asset, offering lower interest rates and larger borrowing amounts due to reduced risk for lenders.
• Unsecured Personal Loans Loans that do not require collateral or security, providing financing without risking assets like homes or vehicles, with faster approval processes due to no asset evaluation required.
• Wedding Loans Specialized financing for wedding-related expenses including venue, catering, dress, photography, flowers, and rings, available in both secured and unsecured forms.
• Business Loans Commercial lending products for business purposes, provided through the associated Max Businesses brand.
• Personal Loan Top-Ups Additional funding option for existing Max Loans customers who need extra funds beyond their current loan balance, offering a stress-free way to access additional capital.

Quantifiable outcome

• Access to AIR ranging from 8.99% to 29.95% p.a. through their lender panel
• +1 more outcomes

Named customers2 records

Segments7 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Financial Services Complaints Ltd (FSCL)coreOthersIndependent external ombudsman and dispute resolution service approved by the Minister of Consumer Affairs. Max Loans is a member (FSCL 7253) providing free dispute resolution for customers.
• Janssen InsuranceminorChannel Partner/ Reseller/ DistributorInsurance provider used when Max Loans helps customers secure credit-related insurances directly. Max Loans receives the difference between wholesale and retail insurance premiums.
• FeefominorStrategic or Co-development PartnerIndependent customer review platform that connects directly with customers to collate and publish customer feedback, providing social proof for Max Loans' service quality.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Loan Market NZ: NZ arm of the Loan Market network of mortgage and finance brokers, aggregating borrowers across a lender panel with an adviser-led sales motion. Directly comparable in broker/adviser function.
• Mortgage Express NZ: NZ mortgage and finance brokerage with a multi-lender panel and adviser network, competing for the same broker-driven borrower flow as Max Loans.
• Squirrel Mortgages: NZ digital-first mortgage broker using a tech-enabled application process to match borrowers with lenders, sharing the multi-lender, online-application playbook with Max Loans.
• NZ Mortgages: NZ-based mortgage and personal finance broker connecting borrowers with a panel of lenders, with a comparable advisory-led model and multi-lender panel. Highly comparable on product breadth and consumer target.

Others

• Latitude Financial Services: One of Max Loans' panel lenders and a large Australasian consumer finance provider; relevant as both a partner and a potential direct competitor if it builds out its own consumer-facing channel.
• Finance Now: NZ non-bank personal lender on Max Loans' panel, providing installment and asset finance products; useful for benchmarking the lender side of the broker value chain.
• Geneva Finance: NZ specialist personal and asset finance lender and panel partner for Max Loans; comparable on product type (personal loans, including bad-credit) and on NZ consumer target market.
• Avanti Finance: One of Max Loans' actual lending partners and a NZ non-bank personal lender; relevant as an upstream supplier relationship and as a benchmark for non-bank personal loan economics in NZ.

Broad incumbents

• Mortgage Choice: Australia-wide mortgage broker franchise aggregator with a multi-lender panel and adviser network; serves as a benchmark for scaled broker economics, although primarily AU-focused.
• Aussie Home Loans (NZ): Australian-headquartered mortgage broker with NZ operations, offering a broader franchise and marketing scale but operating on the same broker/multi-lender model. Larger and better capitalised than Max Loans.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/max-loans

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Max Loans