Instant Finance specialises in personal loans. We’ve been helping everyday New Zealander’s with their personal finance for over 45 years. You may be looking for instant loans and that’s what we aim to achieve, but we also offer you so much more.
- ✓ Easy to understand personal loan application process.
- ✓ A range of exciting products to explore.
- ✓ A strong commitment to responsible lending.
- ✓ Advice on understanding late fees and responsibilities, interest rates, repayment schedules and household budgets.
We provide personal loans between $200 – $20,000 with terms specifically suited to your budget. Our maximum personal loan term is 3 years and we advise you to take a look at our rates and fees page to get a understanding of how the lending process works.
Experience the Instant Finance service for yourself by applying for your personal loan now! Find your nearest Instant Finance branch using our easy branch finder or apply for your personal loan online.
Don’t like filling out forms? Call us on 0800 760 000 and speak with a finance company who cares!
New Zealand’s trusted personal loan lender
We have experienced, supportive and friendly staff to talk to. They’ll help you with any questions and queries you may have, such as unsecured loans, bad credit checks and assessments, small cash loans, and how to turn your loan application into reality.
There’s a good reason why Instant Finance have been around for over 45 years. We supply all types of loans, for whatever reason, in a fast, efficient and friendly way. We understand personal finance and care about our customers. You can count on that.
Email our Online team: firstname.lastname@example.org or download our loan application form so you can e-mail, fax, post or bring it with you to your nearest branch. Getting your personal finance sorted with a great personal loan has never been easier.
How personal 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 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 rates and fees
A $4,000 personal loan repayable over one year by 52 weekly instalments at an interest rate of 29.95%:
- An establishment fee of $450 and administration fee of $2 per instalment ($104).
- Total interest would be $712.56 making the total payable $5,266.56.
- The APR inclusive of fees is 34.11% p.a.