Instant Finance® specialises in personal loans. We’ve been helping people in New Zealand with their personal finance for over 45 years. You may be looking for instant loans and that’s what we aim to achieve, but we also offer you so much more. There’s an easy to understand personal loan application process, a range of really exciting products to explore and a commitment to not only responsible lending but advice on understanding late fees and responsibilities, interest rates, repayment schedules and household budgets.
We provide personal cash loans between $200 – $20,000 with terms specifically suited to your budget. Our maximum loan term is 3 years and we advise you to take a look at our FAQS and FEES page to get a full understanding of how the lending process works.
Experience the Instant Finance® service for yourself by applying for your personal loan now! Find your nearest branch using our easy Branch Finder or apply for a loan online.
Don’t like forms? Ring us on 0800 760 000 and speak to a finance company who cares!
We have experienced, helpful and easy to ask staff. They’ll help you with any queries like unsecured lending, bad credit assessments, small loans and how to turn your loan request into reality.
There’s a reason Instant Finance® have been around for over 45 years. We supply all types of loans for whatever reason in a fast, efficient and friendly way. We understand and and care about our customers, You can count on that.
Email the Online team at: email@example.com or download our loan application form so you can e-mail, fax, post or bring it in to your nearest branch TODAY! Getting your personal finance sorted out with a great personal loan has never been easier.
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 $4,000 loan repayable over one year by 52 weekly instalments at an interest rate of 29.95%:
An establishment fee of $450 and administration fee of $2 per instalment ($104).
Total interest would be $712.56 making the total payable $5,266.56.
The APR inclusive of fees is 34.11%pa.