We’ve been helping Kiwis with personal lending since 1971. Our quick and easy online loan approval process allows our customers to apply for online loans 24 hours a day, seven days a week, in just a few minutes. We are here to make life easier, not harder.

Applying online

Our fast approval loans online service is perfect if you need to apply for finance quickly without having to call into an Instant Finance branch first.

Applying for a loan online not only saves you time but speeds up our 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) is fine.

You can continue an application you started previously.

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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

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 then and there - such as how interest rates are calculated, applying for a small cash loan, managing a bad credit history, 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. Also, you can visit our frequently asked questions page for more general queries.
  • Applying for online 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.

To begin applying for a 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 installments of principal and interest over terms of between three months and three years.
  • Establishment fees vary based on the new loan amount. Full details of all fees are available here.
  • An example:
    • A $10,000 loan repayable over 3 years at an interest rate of 29.95% would require 156 weekly instalments of $102.93 An establishment fee of $370 and administration fee of $2 per instalment ($312 for the term) would apply.

    • Total interest would be $5,375.08 with total fees of $682 making the total payable over the full term $16,057.08.

    • The APR inclusive of fees is 34.37%pa.