Do you need quick cash, but you’re worried about your credit history? Have the traditional banks turned you down for a personal loan? At DollarDealers, we believe everyone deserves access to finance, regardless of their credit score. That’s why we offer personal lending options designed to help you unlock the hidden value in your everyday items.

If you’re struggling to get a loan, personal lending from DollarDealers can be a quick and accessible option. By unlocking the value of your belongings, you can access instant cash via pawn loans – without the hassle of credit checks or lengthy approval processes that come with dealing with a big, impersonal financial institution.

Get an estimate

Why choose DollarDealers for personal lending?

  • Bad credit? No problem! We don’t perform credit checks, so your past financial history won’t hold you back. No small print to worry about either!
  • Lend against almost anything: We accept a wide range of items as collateral for pawn loans, from electronics and tools to vehicles.
  • Get paid the same day: Receive your cash instantly in-store upon approval.
  • No hidden fees: Our transparent pricing means you’ll never be surprised by unexpected costs for your same day loan.
  • Safe, fast, and secure: Our process is designed to protect your privacy and ensure your transactions and pawn loan items are kept secure.
  • Trusted by Kiwis: DollarDealers has been trusted by New Zealanders for instant loans for over 25 years. We provide reliable no credit check loans when you need them most.
  • Our Pawn Price Promise: We promise to beat any competitor’s pawn loan amount that you have been quoted, offered, or loaned on your item. Read more
Get an estimate Find your local store

How personal lending works at DollarDealers

If you need same day loans for unexpected costs, lending for debt consolidation, or quick loans to tide you over, the trusted team at DollarDealers is here to help you unlock the value of your everyday items. Our easy loans four-step process is straightforward, transparent, and designed with your convenience in mind:

  1. Choose your items: Select items you’re willing to temporarily part with as collateral for your fast loan. This could include electronics, jewellery, musical instruments, or even household appliances.
  2. Get an appraisal: Visit one of the DollarDealers stores, where your items will be assessed for their value. You’ll receive an instant loan offer based on this appraisal. You can even get an initial estimate online using the estimate form on our website.
  3. Receive instant cash: If you accept our offer, you’ll get your cash on the spot. No waiting or complicated paperwork. 
  4. Repay the loan: You’ll have a set timeframe to repay the loan plus the transparent cost of borrowing. Once the loan is repaid, you’ll get your items back – it’s that simple and discreet!

How to unlock the value of your everyday items

Our quick loans process is simple. Bring in your items of value – such as your TV, laptop, bike, tools, or even your microwave – and our team will assess them to determine their loan value. We lend against almost anything of value! Once approved, you’ll receive cash for your instant loan on the spot, with no credit checks and no hidden fees.

Unlock the value in your assets

Whether you need a small loan of $20 or a larger amount exceeding $10,000, we’re here to help. We even offer high-value asset loans against your car, boat, or jet ski. 

Don’t let bad credit stand in your way of getting the personal lending you need. Visit your nearest DollarDealers store today and discover how easy it is to unlock the value of your everyday items. Read our pawn price promise or FAQs to find out how we put you first!

FAQs about pawn loans for personal lending

How does personal lending with pawn shops work?

Pawn loans are a simple process where you use your personal belongings as collateral for a same day loan. You bring your items to a pawn shop like DollarDealers, and we’ll assess their value and offer you a fair and transparent loan amount. If you accept, you get cash on the spot. To get your items back, you simply repay the loan plus the cost of borrowing within a specified timeframe.

Can I get a personal loan with bad credit?

Absolutely! Pawn loans with DollarDealers don’t require credit checks, which makes them a great option if you have bad credit or no credit history. Your eligibility is based on the value of your items, not your credit score.

What is the meaning of personal lending?

Personal lending is when you borrow money for personal use, such as covering unexpected expenses, lending for debt consolidation, or buying something. Pawn lending is a form of personal lending that doesn’t require traditional credit checks.

How much can I borrow?

The amount you can borrow depends on the value of the items you pawn. Pawn shops typically lend a percentage of the appraised value, usually ranging from 25% to 60%. Higher value items like cars, boats, jewellery, or electronics could fetch larger instant loan amounts.

How do I lend against my stuff?

Simply gather the items you want to use as collateral and bring them to a reputable pawn shop like DollarDealers. We will evaluate your items and present you with a fair and transparent loan offer. If you agree to the terms, you’ll receive cash for your fast loan instantly.

Can I get a pawn loan online?

While some pawn shops offer online loan applications, most transactions still need you to visit a physical store for the item to be appraised and for you to receive your cash. However, online platforms can be a convenient way to research pawn shops and get an initial estimate before you visit a DollarDealers store in person.

How much will a pawn personal loan cost me?

DollarDealers are open and transparent about the fee structure of all pawn loans. We always show you and explain the principal amount lent and the redemption fees on all pledge agreements. Read more on our pawn calculator page.

How do I know my pawned items will be kept secure?

DollarDealers will store your pawned items securely in a safe, storage facilities, or shop storage areas that are under 24 hour, 7 day a week monitoring and camera surveillance.