Personal loan? No problem. If you need a cash loan that’s quick and easy, you're in the right place. Apply online now.
You can continue an application you started previously.
Continue my applicationIncludes Establishment fee and Administration fee. Payment Protection Insurance is excluded. Repayments shown are an estimate based on an Interest Rate of 29.95% p.a. Minimum instalments, loan terms and lending criteria, Terms and Conditions apply.
Rates & FeesIncludes Establishment fee and Administration fee. Payment Protection Insurance is excluded. Repayments shown are an estimate based on an Interest Rate of 29.95% p.a. Minimum instalments, loan terms and lending criteria, Terms and Conditions apply.
With our simple personal loan calculator and online application process, turning Kiwi dreams into realities through personal loans has never been easier with Instant Finance.
Let's see what's possible.
We make loans easy for everyday Kiwis, whether you need some extra cash or a personal loan 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 quick and simple as possible.
When you choose a finance company for a personal loan there are lots of things to think about. You need to choose someone who works with you and has your best interests at heart. We’re a responsible finance company so we tailor your loan to your needs and circumstance plus, we won’t let you get over your head.
With many finance companies out there, we have a few things that make us stand out from the crowd.
If you got a bit too festive over Christmas and New Year’s, you’re not alone. Many of us let our budgets go out the window over the festive season, but now we’re into a new year, it’s time to get back on track – and we can help with that!
Christmas on a budget? No problem! The big day is just around the corner, so here are our Christmas spending tips for a festive day.
Summer holidays are upon us, so if you’ve had to rethink your overseas holiday plans, or you just can’t wait for a break and some time to socialise, it’s time to start planning your Kiwi Summer roadie to some of the best places to visit in New Zealand!
"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
"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
"Linwood Instant Finance has great people, customer service and are lovely and kind to talk to. Recommend these guys to everyone"
Renee, Christchurch
"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
