Instant loans from Instant Finance.

We can help you out in an instant.

Applying for an instant loan with Instant Finance is fast and easy. We’ve got lots of ways for you to arrange a loan quickly and without the fuss.

Borrow up to $20,000 fast.
It only takes a few minutes to apply. It’s simple, quick, and can be done online.
No excessive paperwork, queuing, or long waiting times.
Clear and transparent terms and conditions.
Fixed interest rates for the life of your loan.

For instant loans it has to be Instant Finance. We’ve been helping Kiwis with loans since 1971 and have developed a reputation for great customer service. If you find that you’ve got unexpected bills, need money for a new car, or simply end up with ‘too much month at the end of your money‘ an instant loan could be what you need to get back on top of your finances.

Where I can get an instant loan?

We have designed our loan application process to be as simple and quick as possible. You can apply for an instant loan online at anytime, or drop into one of our 26 branches nationwide (please check your nearest branch opening hours).

What’s the fastest way to apply for an instant loan?

The fastest way to apply for an instant loan is online. To make the application process as fast and simple as possible, be sure to have the following at hand:

Valid ID, such as a current New Zealand Drivers Licence or Passport.
Proof of income, such as a bank statement (or if self-employed, an annual return)
Proof of your address, such as a tenancy agreement or a recent utility bill (e.g. telephone or power bill in your name).

How personal loans work at a glance

Instant Finance interest rates for personal loans range from 19.95% to 29.95% per annum.
Personal 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 and interest rates are available on our rates and fees page
Example: A $4,000 personal loan repayable over one year by 52 weekly installments of $99.94 at an interest rate of 29.95%:
An establishment fee of $390 and administration fee of $2 per installment ($104).
Total interest would be $702.88 making the total payable $5,196,88.
The APR inclusive of fees is 54.00% p.a.

Easy ways to apply for an instant loan.

Drop into one of our 26 Instant Finance branches.
Apply for a loan online with our online application form.
Download our application form, fill it in and fax or post it to us.
Call 0800 760 000 and speak to one of our instant loan specialists.

Instant Finance practice responsible money lending and we can help tailor a loan for you to suit your budget and circumstances. If you find yourself needing instant cash or some money in the short-term, get in touch and we’ll help arrange a loan for you in an instant.