Dreaming up a quick trip out of town or travelling around NZ?

Whether it's holiday travel or emergency travel, an Instant Finance personal loan is just the ticket.

With cash loans for between $200 and $20,000 at your fingertips, we can get you on your way without financial pressure. Find out just how far you can go with a travel loan using our loan calculator.

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Total repayable based on weekly instalments. ${{state.repaymentTotalW}}

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

We're making applying for your personal loan online easy!

Apply online

With our easy loan application process, you can apply for a loan without leaving the couch! Make sure you have valid photo ID, proof of income and proof of address on hand to make the process smooth too.

We'll tailor your loan to you

We'll get in touch with your official quote including your personalised interest rate and repayment terms. These will be influenced by your credit history and past debt.

Get your money within 24 hours!

Once you accept the loan, you'll have the cash in your account within 24 hours, so you can get back on with life.

Why choose Instant Finance?

  • Easy online loan application process: Instant Finance can help you with travel loans from $200, or even much larger vacation loan amounts with personal loans ranging up to $20,000. Applying for loans online helps us process your application even quicker, so get started today with our simple loan application form and get quick cash.
  • Affordable loan repayment plan: Instant Finance provides fixed-rate personal loans with an interest rate between 19.95% - 29.95% per annum. We also have easy to manage repayment plans to suit your financial situation. We will help choose the best plan for you, helping decide the best loan term and loan amount for your situation.
  • Fast funding: Once your personal loan has been approved, in most cases, you can have the money in your account within 24-hours or the following business day.
  • Personal service: We pride ourselves on being a responsible lender with the best customer service and have done so for nearly 50 years! Our friendly and knowledgeable team are here to help and support you throughout the loan application process.