Instant Finance Makers Of Possible

Instant Finance

Personal loan? No problem. If you need a cash loan that’s quick and easy, you're in the right place. Apply online now.

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Includes 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 & Fees
Rates & Fees

Includes 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.

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Personal Loans from Instant Finance

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 personal loans and access to finance 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 easy and as quick as possible.

You are protected by responsible lending laws. Because of these protections, the recommendations given to you about this consumer loan and any associated payment protection insurance are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.

We make sure your personal loan works for you!

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 personal loan to your needs and circumstances, plus we won’t let you get in over your head.

Why choose Instant Finance?

With many finance companies out there, we have a few things that make us stand out from the crowd.

  • Easy online loan application process: Instant Finance can help you with personal loans ranging from $200 to $20,000. Applying for personal loans online helps us process your application even quicker, so get started today with our simple loan application form and get quick cash and finance ASAP.
  • Affordable loan repayment plan: Instant Finance provides fixed-rate personal loans with an interest rate between 19.95% - 29.95% per annum. We also have easy to manage repayment plans to suit your financial situation. We will help choose the best plan for you, helping decide the best loan term and loan amount for your circumstances.
  • Fast funding finance: Once your personal loan has been approved, in most cases, you can have the money in your account within 24-hours or the following business day.
  • Personal service: We pride ourselves on being a responsible lender with the best customer service and have done so for nearly 50 years! Our friendly and knowledgeable team are here to help and support you throughout the loan application process.

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Our customers say the nicest things!

We've been helping out all kinds of Kiwis with personal loans for nearly 50 years now. We're proud to be a trusted and responsible lender with a reputation for excellent customer care, so it’s easy to see why our customers have excellent things like this to say.

"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