Our Blogs

Why You Should Keep Track of Your Spending

Understanding where your money is going can help you make ends meet, prepare for the unexpected or even help you put aside extra funds for a rainy day. Our favourite way to do this is to track your spending and put a realistic budget together. If you’re looking to apply for a loan or already have a current loan with us, keeping track of your spending can also help you keep on top of your repayments too.

In need of a loan top up for Christmas?

Did you know, Instant Finance customers can top up their loans? A loan top up could help keep things moving in time for the festive season.

Understanding Payday Loans in New Zealand: Key features, risks, and features

In this guide, we’ll look at the rules and risks of payday loan so you can make the right decision for you.  

4 tips to save money for your Christmas shopping

We understand preparing for Christmas shopping is essential, especially if you’re on a tight budget. Even if you haven’t been able to save for Christmas just yet, carefully planning your spending over the next few weeks might help you avoid a budget blow-out.

DIY Home Renovation Ideas on a Budget

We all spend a lot of time at home, whether that be for relaxing, entertaining or, more commonly now, working too. Your home should be somewhere you love to be, but often we forget to make our home a priority!

Everything you need to know about the Cost of Living Payment

Have you noticed everything getting a bit more expensive? With the rising cost of living in New Zealand, at the end of June, inflation hit a 32-year high at 7.3% as food, petrol, and housing costs soared after COVID. Thankfully, the Government has rolled out a Cost of Living Payment (CLP) to help New Zealanders through this challenging time.

How Does a Credit Score Work in NZ?

The terms ‘credit score’ or ‘credit rating’ can be a confusing and daunting concept to get your head around, but don’t worry, you’re not alone! A credit score is used to help lenders like us during the loan application process to determine your loan approval and the loan terms.

Top 10 Tips to Save Money While Travelling in the Pacific Islands

Whether you’re planning a holiday or returning home to see your family, now’s the time to pack your bags, book your stay and hop on a plane! We’ve put together a comprehensive Pacific Islands travel guide with tips to help you enjoy your stay and save money while travelling.

How to Consolidate Debt into One Easy to Manage Loan in Four Simple Steps

We know that managing debt can be difficult at times. It’s even more challenging when you have multiple sources of debt or loans to pay off at once. That’s why we’ve put together four simple steps to help you consolidate your debt.

Following up with Makers of Possible Study Award (MOPSA) winners

Budget-Friendly Activities & Fun Things to Do in NZ

It’s exciting for all Kiwis that travel is becoming possible again as restrictions start to lift, but that doesn’t necessarily mean you need to head overseas. There are still plenty of great and budget-friendly things to do in NZ.

5 Common Loan Myths, BUSTED!

Let’s set the record straight for some long-running urban myths about loans, credit scores and non-bank lenders. Myth 1 – A low credit score means you can’t get a personal loan.

Can I Sell My Financed Car?

Thinking about selling your car but you purchased it with a personal loan? We’ve got the answers to how you can sell a financed vehicle in this how-to guide!

Christmas Expenses to Work into your Budget

Not sure where your savings have gone? Most of the time when we think of a Christmas budget, we only think about gift shopping and forget about all the extra costs that come with the holiday season. Don’t be blind-sided by your bank balance this year – we’ve got everything you need to consider in your xmas budget right here!

How to Maximise on Christmas Saving and Get Ahead of the Rush

Hold on to your Santa hat cause the Christmas shopping rush is about to hit stores both in-person and online. If you want to beat the rush of peak retail season, you’d better be quick. After months of delayed shipping and postage, we can only expect one thing this December – Christmas madness!

Top Saving Tips During Lockdown

Lockdown can mean fewer expenses and more time on your hands, so it’s a great opportunity to reassess your finances, put some money aside and set new savings goals! Here are our top tips to get your savings back on track and better than ever.

Personal Loan Affordability Tips

As a responsible lender, it’s our job to make sure when you’re applying for a personal loan you can afford the repayments. It’s our commitment to you to not let you get in over your head because that doesn’t work for us or you! But there are some tools and tips that will make sure your affordability is in tip top shape before you apply. Let’s take a look…

Celebrating 50 Years of Instant Finance!

The Instant Finance team has had a few different faces over the years, but our purpose has always remained the same – helping Kiwis get ahead with quick and responsible short-term finance. This year marks our 50th birthday so we thought we’d take you for a little walk down memory lane to celebrate 50 years of making possible happen!