We have a range of secured and unsecured personal loan options to cater for your needs. Let’s make it possible!

No matter what you want or need, we've got a personal loan for you.

Sometimes life throws curveballs, but that's where we come in!

At Instant Finance, it's our job to offer you the best possible personal loan and interest rate to help catch them.

We know everyone's different, so our personal loans are specific to you ­– just like your financial needs. Whatever you need cash for, whether it be a new car, home renovations or even a holiday, we've got you covered.

With an easy online application and full transparency about lending options, we're making life's unpredictable moments that much easier. You can typically borrow between $200 - $50,000.

We even offer a range of repayment options to help you out and tailor your loan amount and loan term to you.

Get in contact about which loan option would work for you, have a play with our loan calculator, or apply for personal finance online today!

You can continue an application you started previously.

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Includes Establishment fee from $100 to $220 depending on amount of new money borrowed, Administration fee of $3 per instalment & an ID Verification Processing Fee of $7.70. Repayments shown are an example based on an Interest Rate of 19.95% p.a. Instant Finance offers personalised rates ranging from 12.95% to 29.95%. Minimum weekly repayment amount is $25. Minimum instalments, loan terms and responsible lending criteria, terms and conditions apply.

Rates & Fees
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Includes Establishment fee from $100 to $220 depending on amount of new money borrowed, Administration fee of $3 per instalment & an ID Verification Processing Fee of $7.70. Repayments shown are an example based on an Interest Rate of 19.95% p.a. Instant Finance offers personalised rates ranging from 12.95% to 29.95%. Minimum weekly repayment amount is $25. Minimum instalments, loan terms and responsible lending criteria, terms and conditions apply.

Rates & Fees
  • Fast online application

    Apply from anywhere, anytime! Not only is the application form fast, but it helps us collect all the information we need and process your application faster too.
  • Same day response

    When you need cash, you don't want to be held up. You can expect a same-day response about the next steps for your application.
  • Money in your account within 24hrs of approval

    Once your loan application is approved, you could have money in your account within 24 hours and get back to what you love.
  • Personalised rates

    Get an interest rate of your own! We know there's no one size fits all, so we tailor our interest rates to you and your financial situation. Why not have a play with our calculator?

Concerned a bad credit score or past finance may affect you when applying for a personal loan?

We know that things don't always go to plan, but we're here to help. As a responsible lender, we listen to your unique loan circumstances and can make lending decisions that are both responsible AND fair for you. Find out more about getting a bad credit personal loan.

Our knowledgeable and friendly staff are here to help and will take the time to understand your current financial situation. From there, our team can establish whether a loan is the best option for you and even help you plan a household budget to make sure you stay on top of your loan repayments.

Understanding your personal loan

As a responsible lending company, we want you to be 100% clear about what you’re signing up for. That’s why we’ve broken down everything you need to know about personal loans right here.

  • You can get a personal loan for many reasons, like for a new car, travel, or to consolidate other debt.
  • There are some rates and fees attributed to your loan, but we make everything clear so there are no surprises. Play with our loan calculator to find out more, or read up on our Rates & Fees page.
  • A secured loan is one where you can provide us with a charge over one or more of your possessions as security. If you can’t keep up with your secured loan repayment, we may consider seizing the security – meaning you could lose your home or any asset used as security. 
  • An unsecured personal loan is one where you do not provide us with a charge over one or more of your possessions as security.​ Other common types of unsecured loans include credit cards, student loans, and peer-to-peer loans.
    • We’ll use your financial history to determine if you qualify and how much money you can borrow. If you have a good credit score and have kept up with loan repayments (if you took a loan previously), we’d be more likely to approve your loan application. If you’re looking for unsecured personal loans with bad credit, it can be a tougher process to get a loan. You could try applying for a secured loan instead. Or, contact our friendly team at Instant Finance to discuss how we could help if you have a poor credit score.
  • Instant Finance offer secured and unsecured personal loans. The type of personal loan would be based on a range of factors, including your circumstances, affordability, security you may be able to provide, credit record and whether you are borrowing responsibly.​
  • Have a play with our loan calculator to see your repayment amount and the total costs. When you’re ready to take out a personal loan, apply online.

Are you eligible?

Here is our list of criteria you must meet in order to apply for an Instant Finance loan:

  • You need to be 18 years old or over
  • You need to be currently living in New Zealand
  • You need to be a citizen or a resident of NZ
  • You need to provide a valid photo ID
  • You need to be able to afford repayments

It will also be helpful if you have the following information to get your loan approved quickly:

  • Your credit history
  • Some form of security and related documents to show the value and ownership of it

We make applying for your personal finance online easy!

1. Apply online

With our easy online loan application process, you can apply for a loan without leaving your couch! Make sure you have a valid photo ID, proof of income and proof of address on hand to make the process smooth too.

2. We'll tailor your loan to you

We'll get in touch with your official quote including your personalised interest rate and repayment terms.

3. Get your money in 24 hours!

Once you accept the loan, you'll have the cash in your account within 24 hours, so you can get back on with life.