Online loans provide a faster loan approval process to get you the quick finance you need now.

Instant Finance has been helping Kiwis with personal finance since 1971. We’ve developed a quick and easy online loan approval process to enable our customers to apply for loans online in just a few minutes.

Applying for online loans

Our quick approval loans online is a fast and convenient process for those who would like to apply for a quick finance without having to call into an Instant Finance branch.

By completing an online loan application, you save a lot of time by helping us process your application faster and improve the convenience of our service, making the whole process even easier.

Applying in-branch

With 26 Instant Finance branches throughout New Zealand, many of our customers prefer to apply for a loan in-branch with the assistance of our friendly and helpful staff who can also help answer any questions you may have, such as how interest rates work, applying for small loans, dealing with a bad credit history, loans for beneficiaries, instant cash loans, debt consolidation loans, and more.

To find your closest Instant Finance branch visit our ‘Branches’ page.

Having trouble with the online form?

You can download our application form and print it, then fill it in. Fax or post it to your local branch, or bring it with you when you visit.

Find your local branch contact details by hovering your mouse over ‘Branches’ in the menu at the top of our site.

Quick loan approval online

• Our online loan application form has been developed to enable you to apply for online finance fast, and get a fast decision. If you’re after quick finance, doing it online is your best option.
• The online loan application process is super easy. If you complete the online loan application you won’t need to write out all the required details and fax it to us. Once you submit your application form on the website, one of our Instant Finance lending staff will begin working on your application.
• If you have any questions when applying for a loan online you can call us on 0800 760 000 (during working hours) and we can assist you with any questions. Also visit out frequently asked questions page.
• Applying for online finance is both safe and secure. Our online application form uses a secure internet communications protocol (HTTPS) to ensure that the information you submit is secure and safe.
• If you don’t have a local Instant Finance branch or would rather just apply for quick finance online from the convenience of your own home (or anywhere else) our online loan application is the best option for you.

To begin applying for a loan online, complete our loan application or call us on 0800 760 000 if you have any questions.

FAQs

Can I apply for a loan if I am a beneficiary?

Yes of course you can.

We will complete a household budget and align your repayment schedule with your benefit income to make sure you’re not over-extending yourself.

We will also look at the security you may be able to provide, check your credit record and make an overall assessment of your suitability to borrow, just like every application we assess.

I’m self-employed, can I apply for a loan?

Yes of course you can.

We normally require your most recent business accounts plus GST returns for the last 6 months, and the last 3 months of statements from all personal and business bank accounts showing income and out-goings to assess your affordability and income.

We will also look at the security you may be able to provide, check your credit record and make an overall assessment of your suitability to borrow, just like every application we assess.

Am I still able to apply for a loan if I’m unemployed?

Yes, you can.

We will complete a household budget and align your repayment schedule with your benefit or other income to make sure you’re not over-extending yourself.

We will also look at the security you may be able to provide, check your credit record and make an overall assessment of your suitability to borrow, just like every application we assess.

How Instant Finance loans work at a glance