Instant Finance Makers Of Possible

Instant Finance

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

Rates & Fees

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.

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.

With our simple personal loan calculator and online application process, turning dreams into realities through personal loans in NZ has never been easier with Instant Finance. Simply adjust the loan amount and term on our loan calculator to estimate your weekly, fortnightly, and monthly repayments. This will give you an idea of the financial commitment of your personal loan and help you plan ahead.

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!

  • Fast online application

    Apply from anywhere, anytime! Not only is the application form fast, but it helps us collect all the information we need and process your application faster too.
  • Same day response

    When you need cash, you don't want to be held up. You can expect a same-day response about the next steps for your application.
  • Money in your account within 24hrs of approval

    Once your loan application is approved, you could have money in your account within 24 hours and get back to what you love.
  • Personalised rates

    Get an interest rate of your own! We know there's no one size fits all, so we tailor our interest rates to you and your financial situation. Why not have a play with our calculator?

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 loans online application process:

    Instant Finance can help you with a range of personal loans to suit your needs and budget. Applying for personal loans online helps us process your application even quicker, so get started today with our easy loans 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 12.95% - 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 over 50 years! Our friendly and knowledgeable team are here to help and support you throughout the loan application process.

Responsible Lending

You are protected by responsible lending laws. Because of these protections, the recommendations given to you about consumer loans 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.

Loan terms

Our minimum loan term is 3 months, and our maximum loan period is typically 5 years.

Interest rates

Instant Finance provides loans at an annual interest rate from 12.95% 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, our 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. The Default rate that we charge is 10% per annum above the Interest Rate that normally applies to your loan.

On this basis the maximum annual interest rate charged would be 39.95%

Loan fees

We have various fees attributed to your loan which are added to your loan repayments.




Loan establishment fee

A one-off set up fee for your loan.

From $100 to $220 depending on amount of new money borrowed

Administration fee

A fee per instalment paid.

$3 (per instalment)

Variation fee

A one-off fee charged if your loan terms are changed.


Full repayment fee

A one-off fee if you pay off your loan in full before the final payment is due.

$25 + any calculated loss.   

ID Verification Processing Fee

A per verification charge through a 3rd party.


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.