How to Top Up Your Instant Finance Loan

With over 50 years of lending to Kiwis, we know that life doesn’t always go to plan & it sometimes gets in the way of your wants & needs! 

What Is a Loan Top-Up?

A loan top-up lets you borrow additional money on top of your existing loan. It’s a fast and convenient way to access extra funds without needing to start a brand-new loan from scratch.

How Does an Instant Finance Loan Top-Up Work?

Easy Application Process

• Simply contact our team online, by phone, or at your local branch.
• We'll review your current loan and financial situation.
• If approved, the additional funds will be added to your current loan balance.

No Need for a New Loan

• Instead of applying for an additional, entirely new loan, you're increasing the amount you borrow under your existing loan agreement.

What Can I Use a Loan Top-Up For?

• Home improvements
• Vehicle repairs
• Unexpected bills
• Medical expenses
• Family events like weddings or funerals

Ready to Apply Now? Simply fill out our quick and easy online application form to get things started!

What Do I Need to Be Eligible for a Top-Up?

General Eligibility Requirements

• Your existing loan must be in good standing
• Your income situation should be stable
• You may need to provide updated bank statements or payslips

Responsible Lending

• As a responsible lender, we’ll make sure that any top-up is affordable for you and won’t put undue strain on your finances

Benefits of Topping Up with Instant Finance

• Quick, easy application process
• No need for a new loan account
• One simple regular repayment instead of many
• Friendly, personal service
• Tailored solutions based on your needs

How to Apply for a Loan Top-Up

1. Get in touch: Contact your local branch, or call us on 0800 760 000 or contact us online
2. Submit your details: Provide any required documents (updated payslips, ID, etc.).
3. Assessment: Our team will review your application and provide an answer quickly.
4. Receive your funds: Upon approval, your extra funds will be transferred directly to your bank account within 24 hours of approval.

Ready to Top Up?

Don't let unexpected expenses stress you out. If you’re an existing Instant Finance customer and need a bit more flexibility, a top-up could be the perfect solution.