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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 cash loans when you need cash now.

Concerned a bad credit score may affect you when applying for a cash loan?

We know that things don’t always go to plan. By listening to your unique circumstances, we can make lending decisions that are both responsible AND fair. 

Our trained and friendly staff are here to help, taking the time to understand your current financial situation.  From there, our team can establish whether a cash loan is the right option for you.

You can continue an application you started previously.

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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
  • Easy loan application process– Instant Finance can help you with small cash loans from $200, or much larger amounts - up to $20,000. Applying for loans 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 personal cash loans between 19.95% – 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 receive 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 nearly 50 Our friendly and knowledgeable team are here to help and support you throughout the loan application process.

Some of the most common questions we get 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 peace of mind.  If you are just looking to cover an unplanned or larger purchase, loans can help with getting cash fast, to get you the things you need now.

2. How easy is the application process?

Applying for a cash 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 will need to visit your nearest branch for your application to be approved, but applying online does reduce the amount of time required to process and approve your 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 Drivers 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 is fine.

Note: If you are 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 the bank?

When your cash loan application is approved, in most cases, you can receive your cash loan funds the same day or within 24 hours. Having your money in the bank that same day, or within 24-hours, can be a massive benefit if you need emergency cash.  

Instant Finance are caring and responsible lenders.

Money can be a sensitive topic, especially for those facing financially tough times. This is where cash loans from Instant Finance can help. Our friendly and supportive staff are always here to help. They are strongly committed to maintaining our values and duties as responsible lenders. Call us on 0800 760 000 for help and assistance.

Instant Finance provides fast cash loans from $200 up to $20,000, with interest rates between 19.95% and 29.95%. Our maximum loan term is 3-years, and we encourage you to take a look at our rates and fees page, and FAQs, to get a deeper understanding of how interest rates and the lending process works if you are feeling any uncertainty.