Online loans from Instant Finance
If you’ve been looking for a loan online, then you’ve come to the right place.
Instant Finance has been providing Kiwis with personal loans since 1971. We’ve developed a quick and easy online loan application form to enable our customers to apply for finance online.
Applying for an online loan
Our online loan application form has been developed for people who want to apply for a loan without having to call into an Instant Finance branch first.
It improves the convenience of our service and makes applying for a loan online even easier.
With 26 Instant Finance branches throughout New Zealand, many of our customers prefer to apply for their loan in-branch with the assistance of our friendly and helpful staff.
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.
You can find your local branch contact details by hovering your mouse over ‘Branches’ in the menu at the top of our site.
Why apply for a loan online?
- Our online loan application form has been developed to enable you to apply for a loan quickly, and get a fast decision. If you want a fast loan decision to get quick cash, our online loan application is your best option.
- The online loan application process is super easy. If you complete the loan application online 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 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 online is both safe and secure. Our online loan 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 finance online from the peace and quiet of your own home (or anywhere else) our online loan application is ideal.
To begin applying for a loan online, fill in our online loan application or call us on 0800 760 000 if you have any questions.
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 are available here rates and fees.
- For 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.