We've been helping Kiwis with personal loans for nearly 50 years!

Since 1971 our application process has evolved and now our quick & easy online loan approval process allows our customers like you to apply for online loans 24 hours a day, seven days a week, in just a few minutes. After all, we're here to make life easier, not harder.

Applying for a loan online has many perks, but for you, it means you can get the ball rolling on your loan anywhere, anytime and we’re that much closer to assessing your application.

If you want to get an idea of what your loan repayment could look like over a specific loan term with our standard interest rate, have a play with our personal loan calculator!

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

Applying online

Get the cash you need when you need it with our fast, online loan approval process.

Our fast approval personal loan through our online service is perfect if you need to apply for finance quickly without having to leave your couch or call into an Instant Finance branch first.

Applying for a personal loan online not only saves you time but speeds up your processing time. Win, win!

Before you get started, here are some bits and pieces you'll want handy to make the process even quicker:

  • A valid ID, such as a current New Zealand Drivers Licence or Passport.
  • Proof of income – this can be a bank statement, or if self-employed, an annual return.
  • Proof of your address – a tenancy agreement or a recent utility bill (e.g. telephone or power bill in your name).

Applying at your nearest Instant Finance branch

With 26 Instant Finance branches across New Zealand, many of our customers prefer to apply for a loan in-branch with the assistance of our friendly and helpful staff. They can help answer any questions you may have on the spot, such as how your interest rate is calculated, how to apply for a small cash loan, managing a bad credit history, the impact credit and debt have on interest rates, loans for beneficiaries, instant cash loans, debt consolidation loans, and more.

To find your closest Instant Finance branch visit our Branches page.

More about the online application process

  • If you have any questions when applying for a loan online, you can call us on 0800 760 000 (during working hours), and we can assist you with any questions. Alternatively, you can visit our frequently asked questions page for more general queries.
  • Applying for online loans with Instant Finance is both safe and secure. Our online application form uses a secure internet communications protocol (HTTPS) to ensure that the information you submit is secure and safe. We are proud to be a responsible lender.

To begin applying for a personal loan online, complete our loan application, or call us on 0800 760 000 if you have any questions.

How Instant Finance loans work at a glance

  • Instant Finance interest rates for personal loans range from 19.95% to 29.95% per annum.
  • Personal loans are required to be repaid by equal instalments of principal and interest over a loan term of between three months and three years.
  • Various fees such as an Establishment and Administration fee apply. Full details of all fees are available here.


  • An 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 $103.72. This repayment is made up of interest, an establishment fee of $400 and an administration fee of $2.50 per instalment.
    • Total interest would be $5,390.32 with total fees of $790 making the total payable over the full term $16,180.32.