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 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 just the loan for you.

With an easy online application and full transparency about lending options, we're making life's unpredictable moments that much easier.

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 today about which personal loan would work for you, or have a play with our loan calculator!

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Includes Establishment fee and Administration fee. Payment Protection Insurance is excluded. Repayments shown are an estimate based on an Interest Rate of 29.95% p.a. Minimum instalments, loan terms and lending criteria, Terms and Conditions apply.

Rates & Fees

We make applying for your personal loan 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 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.

What kind of personal loan are you looking for?

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 about our lending criteria here.

Our knowledgeable and friendly staff are here to help too and will take the time to understand your current financial situation. From there, our team can establish whether a cash 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 your personal loan 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.
  • Applying for a personal loan is easy, just apply online to get the ball rolling.