With over 50 years of lending to Kiwis, we know that life doesn’t always go to plan, and it sometimes gets in the way of your wants & needs!
A top-up lets existing customers borrow more on the loan they already have.
You keep one loan and one regular repayment.
We check the new repayments fit your budget first.
Top up by calling your branch or 0800 760 000, visiting in branch, or applying online.
Once you're approved, the money is in your account within 24 hours.
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.
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.
Instead of applying for an additional, entirely new loan, you're increasing the amount you borrow under your existing loan agreement.
You can use a loan top-up for a variety of purposes, including:
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!
How your current loan is going. We'll look at your repayment history with us.
Whether you can afford more. We'll go through your budget to make sure the new repayments fit.
You may need to provide updated bank statements or payslips. If anything has changed since you took out your loan, just let us know.
Not sure if you can afford more? Our personal loan affordability tips can help you check.
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
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
Get in touch: Contact your local branch, or call us on 0800 760 000 or contact us online
Submit your details: Provide any required documents (updated payslips, ID, etc.).
Assessment: Our team will review your application and provide an answer quickly.
Receive your funds: Upon approval, your extra funds will be transferred directly to your bank account within 24 hours of approval.
If you have an existing loan with Instant Finance, yes, you can apply to top it up. We'll look at how your current loan is going and check the new repayments fit your budget. Get in touch with your branch team on the phone, online or in branch.
You don't need to pay off your current loan first. A top-up lets you add to the loan you already have, so you keep one loan and one repayment. Your branch team can talk you through your options.
Yes. Borrowing more means you'll probably be paying more, and we'll show you what your new repayments would be before you sign anything.
If you're an existing Instant Finance customer and need a bit more, a top-up could help. Talk to your branch team or apply online.
