Christmas opening hours

Need something sorted before Christmas?

From 19 November to 23 December, our branches are open until 7pm on Thursdays and Fridays, and on Saturdays too, so you can come in after work or at the weekend.

You can apply online any time, and we're open right through Christmas and New Year, apart from the public holidays.

Christmas opening hours at a glance

• Open until 7pm on Thursdays and Fridays, 19 November to 18 December

• Open Saturdays 9am to 1pm, 21 November to 12 December, and until 4pm on Saturday 19 December

• Open until 7pm on Tuesday 22 and Wednesday 23 December

• Open right through Christmas and New Year, closed only on the public holidays

• Apply online any time, day or night

• Money within 24 hours

Open late and on Saturdays, so you can get it sorted

Can't get to us during work hours? That's exactly why we're open late. Pop in after work on a Thursday or Friday, or come and see us on a Saturday. No appointment needed.

Want to keep things moving? Here's how to make it quick and easy:

• Start your application online, any time of day

• Have your bank statements ready, as they help speed things along

• If you're coming in, bring photo ID and proof of income

• Once you're approved, we can usually pay out the same day

As a responsible lender, we'll still go through your budget with you first, so whatever you borrow fits comfortably alongside your other costs.

Extended hours by branch

Hours vary by branch. Every branch opens at its usual time: 8:30am on weekdays and 9am on Saturdays. Late nights run 19 November to 18 December; Saturdays run 21 November to 19 December.

Rather sort it from home? Apply online any time.

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What we can help with

Whether it's a car that's let you down, bills that have stacked up, or something bigger, our local teams can talk you through your options.

• Personal loans for whatever life throws at you

• Car loans to get you back on the road

• Debt consolidation to bring your repayments into one

• Fast $500 if you just need a little to tide you over

See what your repayments could look like with our loan calculator.

Open right through Christmas and New Year

We're only closed on the public holidays, so we're here right through the Christmas break.

• Thursday 24 December: usual hours, closing at 5pm

• Friday 25, Saturday 26 and Monday 28 December: closed

• Tuesday 29 to Thursday 31 December: usual hours

• Friday 1, Saturday 2 and Monday 4 January: closed

• Tuesday 5 January: usual hours resume

Already with us?

• Need a bit extra before Christmas? If you can comfortably afford to borrow a little more, you may be able to top up your loan. Apply online, call us, or pop into your branch.

• Your repayments come out as usual over Christmas and New Year, including on the public holidays, because banks now process payments every day.

• Want to make a payment? You can pay online any time.

• Planning ahead for January? Talk to us early. Call 0800 760 000 or pop into your branch, and we'll work through it with you.

• Online Direct customer? Your team's hours are on the Online Direct page.

Christmas opening hours: your questions answered

What time does Instant Finance close?

Usually 5pm on weekdays. From 19 November to 18 December, our branches are open until 7pm on Thursdays and Fridays, and we're also open until 7pm on Tuesday 22 and Wednesday 23 December. Check the table above for your branch.

Is Instant Finance open today?

Our branches are open from 8:30am Monday to Friday, and from 9am on Saturdays between 21 November and 19 December. We're closed on the public holidays: 25, 26 and 28 December, and 1, 2 and 4 January. You can apply online any time.

What is the Instant Finance 0800 number, and what are its opening hours?

It's 0800 760 000. Calling it puts you through to your branch, so it follows your branch's hours, including late nights and Saturdays in the lead-up to Christmas.

Are you open between Christmas and New Year?

Yes. We're open as usual from Tuesday 29 to Thursday 31 December. We're only closed on the public holidays: 25, 26 and 28 December, and 1, 2 and 4 January.

How long does Instant Finance take to approve?

Often the same day. Many people apply and have their money within 24 hours, and having your bank statements ready helps speed things up. Every application is different, so we can't guarantee it.

Can I get my money the same day?

Often, yes. Once you're approved, we can usually pay out the same day. Apply online any time, or come in after work or on a Saturday in the lead-up to Christmas.

Can I get a loan before Christmas?

Yes. Whether it's a Christmas loan or something unexpected, apply online any time, or pop into a branch, including after work and on Saturdays in the lead-up to Christmas.

How do Christmas loans work?

A Christmas loan is a personal loan you use for Christmas costs, like gifts, travel or catching up on bills before the holidays. You borrow a set amount and pay it back in regular repayments, set at a level you can comfortably afford. See what your repayments could look like with our loan calculator.

Can I get a Christmas loan with bad credit?

Past credit issues aren't an automatic no. We look at your whole situation, including what you can afford now, not just your credit score. Find out more about our bad credit loans.

Can I get a loan with WINZ benefits?

Yes, you can apply. A benefit counts as income, and we look at it the same way as any other regular income. If you're approved, you can ask Work and Income to pay your repayments straight from your benefit. To apply, you'll need photo ID, three months of bank statements and your MSD information. Find out more in our guide to loans for beneficiaries.

Will my repayments still come out over Christmas?

Yes. Banks now process payments every day, including weekends and public holidays, so your repayments come out as usual.