Our Locations

Where our branches are

• Northland: Whangārei, Kaikohe

• Auckland: nine branches: Clendon, Glenfield, Henderson, Mangere, Manukau, Mt Roskill, New Lynn, Panmure/Otahuhu, Papakura

• Waikato and Bay of Plenty: Hamilton, Tauranga, Rotorua

• Hawke's Bay, Taranaki and Manawatū-Whanganui: Napier, Hastings, New Plymouth, Whanganui, Palmerston North

• Wellington: Porirua, Lower Hutt, Wellington City

• South Island: Christchurch (Hornby and Sydenham), Dunedin

For addresses, phone numbers and opening hours, use Find a Branch.

From application to money in your account, without visiting a branch

Wherever you live, you can do the whole thing online and over the phone. Here's how it works:

1. Apply online or by phone. Call us on 0800 760 000 if you'd rather talk it through.

2. Verify your ID online. It's quick and secure, and it's our preferred way.

3. Share your bank statements online, through a secure connection to your bank. No printing or posting needed.

4. Talk it through with our team. A real team at one of our branches will go through your budget with you over the phone.

5. Sign your loan documents online, with an electronic signature.

6. Get your money. Once you're approved and accept the loan, it's paid straight into your bank account within 24 hours.

Most people never need to set foot in a branch.

Occasionally, if we can't verify your ID or bank statements online (for example, if you don't use online banking), we'll need to see original documents in person.

Not sure if that's you? Call us on 0800 760 000 before you apply, and we'll talk you through your options.

Online, by phone or in branch: same people, same criteria

However you apply, you deal with the same team and the same lending criteria.

Applying in a branch doesn't make it easier or harder to get a loan. What matters is your whole situation, including what you can comfortably afford to repay.

So choose whatever suits you. Some people like to sit down face to face; others prefer to do it all from home.

Personal loans where we don't have a branch

We have dedicated pages for the regions where we help lots of customers but don't have a branch:

• Northland: Kaitaia, Dargaville, the Bay of Islands, Kerikeri and the Far North

• Southland: Invercargill, Gore, Queenstown and the rest of Southland

• Gisborne and Tairāwhiti: Gisborne, Wairoa and the East Coast

• Nelson, Tasman and Marlborough: Nelson, Blenheim, Richmond, Motueka and Picton

• West Coast: Greymouth, Westport and Hokitika

Anywhere else, from Taupō to Timaru, you can apply online or by phone in exactly the same way.

Common questions

Where are Instant Finance's branches?

We have 25 branches in 16 towns and cities: Whangārei, Kaikohe, Auckland (nine branches), Hamilton, Tauranga, Rotorua, Napier, Hastings, New Plymouth, Whanganui, Palmerston North, Porirua, Lower Hutt, Wellington, Christchurch (two branches) and Dunedin.

Do you lend to people who don't live near a branch?

Yes. Around 1 in 5 of the customers we've helped, more than 9,000 people, live outside the towns where we have a branch. You can apply online or over the phone from anywhere in New Zealand.

Do you lend in small towns and rural areas?

Yes. We help customers in towns right across the country, from Kaitaia to Invercargill, including places like Levin, Taupō, Masterton and Timaru. You can do the whole process online and over the phone.

Can I get a loan without going into a branch?

Yes. Most people do the whole thing online and over the phone: apply, verify their ID, share bank statements, sign their loan documents electronically, and get the money paid into their bank account. Occasionally we'll need to see original ID or bank statements in person, and our team will let you know if that applies.

Is it easier to get approved in person than online?

No. The criteria are the same whether you apply online, by phone or in a branch. What matters is what you can comfortably afford to repay.

Can I pick up my loan money at a branch?

No. Once your loan is approved and accepted, the money is paid straight into your bank account within 24 hours.

What's the difference between applying online and in a branch?

Mainly how you'd like to do it. You'll deal with the same team and the same criteria either way.

Is there an Instant Finance online login?

There isn't an online login or customer portal. You can make a payment any time using Pay Now. For anything else, call us on 0800 760 000 or contact your local branch.

Terms and conditions, and responsible lending criteria apply. 

Last updated: October 2026.