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Personal Loans from Instant Finance
At Instant Finance, we understand that life can throw unexpected challenges your way. That's why we're here to help you find the right personal loan tailored to your needs.
We make personal loans and access to finance easy for everyday Kiwis, whether you need some extra cash or quick loans for an emergency, a new car, or a significant life event that’s sprung up. We'll do our best to make your loan application with us as easy and as quick as possible. Ready to take out a personal loan, apply online today!
Our latest blogs
Our customers say the nicest things!
"Excellent help – friendly staff. Always willing to do what they can."
Sheryl, Dunedin
"Excellent customer services skills – friendly. They take a personal interest in the customer; they are quick to help"
Lynette, Waterview, Auckland
"Super friendly staff kept things nice and simple. I absolutely loved the homeware and furniture options available to add to my loan. Very helpful."
Isiah, Dunedin
"Instant Finance rocks! Always finding ways to help whanau with unforeseen bills. Love it!"
Louise, Hastings
"Just the best people to deal with!"
Kelly, Christchurch
"Service is efficient and sufficient. Very helpful, thank you."
Ken, Warkworth
"I feel I am treated professionally and respectfully by all personnel at Instant Finance and they are always very friendly and helpful to me"
Elizabeth, Avondale, Auckland
"Excellent customer service, Kuini and staff at Onehunga are thoughtful and really listened to us. The process was thorough, and we really felt we were listened to."
Katherine and Howard, Manurewa Auckland
"Linwood Instant Finance has great people, customer service and are lovely and kind to talk to. Recommend these guys to everyone"
Renee, Christchurch
Loan terms
Our minimum loan term is 3 months, and our maximum loan period is typically 7 years.
Interest rates
Instant Finance provides loans at an annual interest rate from 9.95% to 29.95% per annum.
The rate that applies to your loan will be based on a range of factors including your circumstances, credit history with us or others, the security you can provide and the loan amount.
Once set, the interest rate is fixed for the term of your loan.
Default interest rate
If you get behind in your loan repayments, then we may charge a default interest rate on any overdue loan payments, while they are unpaid.
For our Personal Loan Product, the Default rate that we charge is 10% per annum above the Interest Rate that normally applies to your loan.
For our Consumer Loan Product, the Default rate that we charge is 10% per annum.
On this basis the maximum annual interest rate charged would be 39.95%
Loan fees
Some or all of the following fees are payable at loan commencement, these may be added to the amount you borrow:
Loan establishment fee
A one-off set up fee for your loan.
From $100 to $220 depending on amount of new money borrowed.
Digital ID Verification Fee
A per verification charge through a 3rd party where we meet face to face
$2.55 per person
Digital & Biometric ID Verification Fee
A per verification charge through a 3rd party where the loan is transacted remotely.
$7.70 per person
Security Registration fees
For secured loans where we register an interest in Personal Property items provided as security
$8.05
Administration Fee
A fee payable on each instalment due date of your loan
$3 (per instalment)
Credit and Default fees
Default or other fees that can arise during the course of a loan are shown in our full fee schedule.
Loan Example:
The amount repayable of your loan is made up of your interest rate, plus fees. For example, if borrowing $10,000 repayable over 3 years at an interest rate of 29.95% you would be required to make 156 weekly instalments of $102.54. This repayment is made up of interest, an establishment fee of $220, an ID verification fee of $7.70 and an administration fee of $3.00 per instalment.
Total interest would be $5,300.54 with total fees of $695.7 making the total payable over the full term $15,996.24.