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We've been helping Kiwis with personal loans for over 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 loans 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!

  • 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?

Applying online

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

Our fast online loan application 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 loan online not only saves you time, but also speeds up your processing time. Win, win!

Before you get started, here are some bits and pieces you'll want to have 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 25 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 loan application process

  • If you have any questions about applying for a loan online, you can call us on 0800 760 000 (during working hours), and we can assist you with any concerns. 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 your journey to apply for a loan online, complete our loan application, or call us on 0800 760 000 with any questions.

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

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 online loans for bad credit.

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 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.

How Instant Finance loans work at a glance

  • Instant Finance interest rates for personal loans range from 12.95% 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:

    • 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 $102.96. This repayment is made up of interest, an establishment fee of $270 and an administration fee of $3.00 per instalment.

      Total interest would be $5,323.76 with total fees of $738 making the total payable over the full term $16,061.76.