Whether you're in Kaitaia, Dargaville, Kerikeri, the Bay of Islands or anywhere else in Northland, you can get a personal loan with Instant Finance.
You can do the whole thing online and over the phone, from application to money in your account, without visiting a branch. We've helped hundreds of customers across Northland this way.
Prefer to talk face to face? We have two branches in Northland:
To apply for a personal loan, you need to:
Be 18 or over
Live in New Zealand
Be a New Zealand citizen or resident, or hold an eligible work visa
Provide valid photo ID
Be able to afford the repayments
What you'll need to apply:
Your photo ID
Your bank statements (shared online through a secure connection)
If you're applying for a secured loan, details of what you're offering as security
You can do it all online and over the phone:
Apply online or by phone. Call 0800 760 000 if you'd rather talk it through.
Verify your ID online.
Share your bank statements online, through a secure connection to your bank.
Talk it through with our team, who'll go through your budget with you over the phone.
Sign your loan documents online, with an electronic signature.
Get your money. Once you're approved and accept the loan, it's paid straight into your bank account within 24 hours.
Most people never need to visit a branch.
Occasionally, if we can't verify your ID or bank statements online (for example, if you don't use online banking), we'll need to see original documents in person.
Not sure if that's you? Call us on 0800 760 000 before you apply.
A less-than-perfect credit history doesn't automatically rule you out.
We look at your whole situation, including what you can comfortably afford to repay now, not just your credit score. We may also be able to help if you're on a benefit, as long as you meet our responsible lending criteria.
Our team can also help you put together a household budget, so your repayments stay manageable.
Got a question about bad credit loans?
People borrow for all sorts of reasons, like a new car, travel or to consolidate other debts.
There are fees on your loan, and we make them clear up front. See our rates and fees.
A secured loan uses something you own, like your car, as security. If you can't keep up your repayments, that item may be repossessed.
An unsecured loan doesn't need security. Approval depends more on your credit history and ability to repay, so a secured loan may be more achievable if your credit history has some marks against it.
The loan you're offered depends on your situation, what you can afford to repay, any security you offer and your credit history.
Try different amounts and terms in our loan calculator, or talk to our team.
Yes, two: Whangārei (28 Vine Street) and Kaikohe (102 Broadway). Anywhere else in Northland, you can do the whole thing online and over the phone.
Yes. You can apply online or by phone from anywhere in Northland, and go all the way to having the money in your bank account without visiting a branch.
Usually not. Occasionally, if we can't verify your ID or bank statements online, we'll need to see original documents in person, and our team will let you know if that applies.
Personal loans range from $500 to $50,000, over 3 months to 7 years. How much you can borrow depends on what you can comfortably afford to repay.
Every responsible lender has to check you can afford the loan. With us, the criteria are the same whether you apply online, by phone or in a branch, and we look at your whole situation, not just your credit score.
A less-than-perfect credit history doesn't automatically rule you out. We look at what you can comfortably afford to repay now.
