Instant loans from Instant Finance

We can help you out in an instant.

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‘ a personal loan could be what you need to get back on top of your finances.

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

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 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% p.a.

Easy ways to apply for an instant loan.

Drop into one of our 26 Instant Finance branches
Apply for an loan online – See 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. So if it 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.