Call Us

0800 760 000

For personal loans, it has to be Instant Finance.

New Zealand’s trusted personal loan provider.

Here at Instant Finance we’ve taken pride in offering our valued customers personal loans with great customer service and support for over 45 years. We provide all types of loans, for whatever reason, in a fast, efficient and friendly way. We understand personal finance and care about our customers. You can count on that.

Whether you need a loan to finance a wedding, purchase a new car, help with unexpected bills and expenses, planning a holiday or need urgent finance for other reasons; you can count on a few simple promises:

Instant Finance are responsible lenders.
We will always listen to you if you have difficulty with your loan repayments. We will not react without discussion or fail to offer you choices.
We will continue our commitment to offer you the best service in personal loans we can and always offer you choices to make your life easier.
We will disclose every aspect of your borrowing to you so you will be informed, comfortable and in full possession of all the facts surrounding your personal loan.
We have served tens of thousands of happy personal loan customers in New Zealand over the years and will continue to do so in the years to come.

Applying for a personal loan

We provide personal loans between $200 – $20,000 with a fixed interest rate for the term of your loan. Loan terms are normally over a maximum of 3 years and we encourage you to visit our rates and fees page to understand how personal loan interest rates and the lending process work.

Also, visit our FAQ page where you can find more information on applying for a personal loan including useful tips on a range of common questions from secured and unsecured personal loans, loan applications for beneficiaries/self-employed/non-residents, loans for debt consolidation, applying with a bad credit history and more.

Community Spirit

Supporting our local community is a wonderful way stay involved and visible. Our decision to sponsor the Otahuhu Rugby Club was an easy one to make considering they are well known in the wider community for helping develop young players follow their dreams to achieve All Black fame – Players such as Kevin Mealamu, Joe... Read More

Instant Finance^® interest rates for loans range from 19.95% to 29.95% per annum.
Loans are required to be repaid by equal instalments of principal and interest over terms of between three months and three years.
Establishment fees vary based on the new loan amount.Full details of all fees are available here https://instantfinance.co.nz/rates-and-fees/

Example:
A $10,000 loan repayable over 3 years by 156 weekly instalments at an interest rate of 29.95%:
An establishment fee of $420 and administration fee of $2 per instalment ($312).
Total interest would be $5,402 making the total payable $16,134.
The APR inclusive of fees is 34.75%pa.

Home