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Apply online anywhere, anytime.

Here at Instant Finance, we know that life can sometimes present some unforeseen obstacles. That's why we're here to assist you in finding the perfect personal loan that suits your unique requirements.

Our user-friendly online application form allows you to apply for a personal loan from the comfort of your own space, be it your home, workplace, bus, or any other location right across New Zealand. Simply have all your documents ready and submit them electronically - the process is fast and easy, no matter where you are.

Have a play with our online loan calculator to get an estimate of what your repayments could be. 

You can continue an application you started previously.

Continue my application
Continue my application
Loan Calculator

How much would you like to borrow?

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Monthly
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Fortnightly
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Weekly
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Total repayable based on weekly instalments. ${{state.repaymentTotalW}}

Apply now

Includes Establishment fee from $100 to $220 depending on amount of new money borrowed, Administration fee of $3 per instalment & an ID Verification Processing Fee of $7.70. Repayments shown are an example based on an Interest Rate of 19.95% p.a. Instant Finance offers personalised rates ranging from 12.95% to 29.95%. Minimum weekly repayment amount is $25. Minimum instalments, loan terms and responsible lending criteria, terms and conditions apply.

Rates & Fees
Loan Calculator

How much would you like to borrow?

Monthly
$
Fortnightly
$
Weekly
$

Total repayable based on weekly instalments. $

Apply now

Includes Establishment fee from $100 to $220 depending on amount of new money borrowed, Administration fee of $3 per instalment & an ID Verification Processing Fee of $7.70. Repayments shown are an example based on an Interest Rate of 19.95% p.a. Instant Finance offers personalised rates ranging from 12.95% to 29.95%. Minimum weekly repayment amount is $25. Minimum instalments, loan terms and responsible lending criteria, terms and conditions apply.

Rates & Fees

If you’d prefer to talk to us in-person, come visit one of our 25 branches located throughout New Zealand. Have a chat with our friendly and knowledgeable team who are ready to guide you through the loan application process and answer any questions you may have.

Want to chat to us in person?

Find A Branch Near You

Whether you prefer our in-person experience at one of our branches or the convenience of applying online from anywhere in New Zealand, Instant Finance is here to support you every step of the way.

If you would like to discuss your loan options with our team, you can contact us online, visit our FAQ page to find answers to common queries or give us a call at 0800 760 000.

Our Locations