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We understand the challenges that unexpected expenses can bring.

So we've made it as simple as possible to apply for quick cash loans online when you need cash immediately. We can help you, whether it is small loans you're after or bigger cash loans up to $50,000.

Concerned about a bad credit score or debt that may affect you when applying for a cash loan? We're here to help. As a responsible money lender, we listen to your unique loan circumstances and can recommend a personal cash loan solution that is both responsible AND fair for you. Find out more about getting quick loans for bad credit.

  • 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?

Commonly asked questions about cash loans

1. What are cash loans?

Cash loans provide funds for those surprise expenses or a bit of a helping hand for that big purchase. When faced with unexpected bills and expenses, cash loans can provide some peace of mind. If you are just looking to cover an unplanned or larger purchase, these loans can help you get your hands on extra cash fast to get things moving with that purchase.

2. How easy is the application process?

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Applying for a loan is as simple as filling out any other standard application form. Instant Finance provides the option of applying online or in-store at your nearest branch.

Note: If you're applying online, you may still need to visit your nearest branch to have documentation validated. Applying online does, however, reduce the amount of time required to process and approve your quick cash loan.

Like most application processes, it's best to prepare before completing the form. Here's what to have handy with you:

  • A valid ID. A current New Zealand Driver's Licence or passport is best.
  • Proof of income. This can be a bank statement or, if self-employed, an annual return.
  • Proof of your address. A current tenancy agreement or a recent utility bill will do the trick.
  • If you're planning on using your home as security for the loan, we will also need a mortgage statement.

If you're applying at your nearest branch, make sure to bring everything along with you, and one of our friendly staff will help you complete your application.

3. When can I expect money in my bank account?

When your cash loan application is approved, in most cases, you can receive your cash loan funds on the same day or within 24 hours. This is a massive benefit if you need emergency cash.

 

 

Why choose Instant Finance?

  • Easy loan application process: Instant Finance can help you with an instant cash loan from $500 or personal loans for much larger amounts – up to $50,000. Applying for fast loans in NZ online helps us process your application even quicker, so get started today with our simple online loan application form.
  • Affordable loan repayment plan: Instant Finance provides fixed-rate loans in NZ between 12.95% - 29.95% per annum with easy-to-manage repayment plans to suit your financial situation.
  • Fast funding: Once your loan has been approved, in most cases, you can have money in your account within 24 hours or the following business day.
  • Personal service: We pride ourselves on customer service and have done so for over 50 years! Our friendly and knowledgeable team are here to help and support you throughout the loan application process.

Instant Finance is a caring and responsible lender. We know money can be a sensitive topic, especially for those facing financially tough times. This is where Instant Finance can help. Our friendly and supportive staff are always here to help you and are strongly committed to maintaining our values and duties as a responsible lender. Call us on 0800 760 000 for help and assistance.

Instant Finance provides quick cash loans in NZ from $500 up to $50,000, with interest rates between 12.95% and 29.95%. Our maximum loan term is 5 years, and we encourage you to take a look at our fee and monthly fee options on our rates and fees page regarding our standard interest rate and establishment fee and FAQs to get a deeper understanding of how interest rates and the lending process works.

Loan terms

Our minimum loan term is 3 months, and our maximum loan period is typically 5 years.

Interest rates

Instant Finance provides loans at an annual interest rate from 12.95% to 29.95% per annum.
The rate that applies to your loan will be based on a range of factors including your circumstances, credit history with us or others, the security you can provide and the loan amount.

Once set, the interest rate is fixed for the term of your loan.

Default interest rate

If you get behind in your loan repayments, then we may charge a default interest rate on any overdue loan payments, while they are unpaid.

For our Personal Loan Product, the Default rate that we charge is 10% per annum above the Interest Rate that normally applies to your loan.

For our Consumer Loan Product, the Default rate that we charge is 10% per annum.

On this basis the maximum annual interest rate charged would be 39.95%

Loan fees

Some or all of the following fees are payable at loan commencement, these may be added to the amount you borrow:

Fee

Description

Cost

Loan establishment fee.

A one-off set up fee for your loan.

From $100 to $220 depending on amount of new money borrowed

ID Verification Processing Fee

A per verification charge through a 3rd party.

$7.70 per person
Security Registration fees For secured loans where we register an interest in personal property items provided as security $8.05
Other Fees    
Administration Fee A fee payable on each instalment due date of your loan $3 (per instalment)
Credit and Default fees Default or other fees that can arise during the course of a loan are shown in our full fee schedule.  

 

Loan Example:

The amount repayable of your loan is made up of your interest rate, plus fees. For example, if borrowing $10,000 repayable over 3 years at an interest rate of 29.95% you would be required to make 156 weekly instalments of $102.54. This repayment is made up of interest, an establishment fee of $220, an ID verification fee of $7.70 and an administration fee of $3.00 per instalment.

Total interest would be $5,300.54 with total fees of $695.7 making the total payable over the full term $15,996.24.