Borrow $500 to $50,000, over 3 months to 7 years
Personalised rates between 9.95% and 29.95% p.a.
Apply online or at any of our 25 branches nationwide
Funds available same day or within 24 hours of approval
All credit backgrounds considered
Rated 4.8/5 ⭐ from 1,240+ reviews on Feefo
So we've made it as simple as possible to apply for quick cash loans online when you need cash immediately. We can help you, whether it is small loans you're after or bigger cash loans up to $50,000.
Concerned about a bad credit score or debt that may affect you when applying for a cash loan? We're here to help. As a responsible money lender, we listen to your unique loan circumstances and can recommend a personal cash loan solution that is both responsible and fair for you. Find out more about getting quick loans for bad credit.
Need money for an emergency? A cash loan can help — see our full guide to emergency borrowing options for a wider look at what's available to you.
We know money trouble doesn't always give you warning. If your car's broken down, a bill's landed at the worst time, or things have gotten tighter than they should be, you don't need a lecture — you need someone who'll actually listen. We look at what's really going on for you, not just a number on a file, and we'll always be straight with you about whether we can help.
A default or a mark on your credit file isn't an automatic no for us.
We look at your current situation, not just your history, and we'll always tell you honestly where you stand. Read more about bad credit loans.
We know income doesn't always come from a regular payslip. If you're self-employed, we may be able to work with your annual accounts or bank statements to understand your income.
We assess applications based on your actual ability to manage repayments, and that includes benefit-based income. It's one more thing we look at properly, not something that rules you out automatically.
A Cash Loan isn't the only way we can help — here's how our options compare.
|
Cash Loan |
Fast $500 |
Debt Consolidation |
|
|
Best for: |
Bigger or ongoing unexpected costs |
A smaller, short-term need |
Combining multiple debts into one repayment |
|
Amount: |
$500 – $50,000 |
$500 |
$500 – $50,000 |
|
Interest: |
9.95% – 29.95% p.a. |
0% (flat $95 establishment fee) |
9.95% – 29.95% p.a. |
|
Term: |
3 months – 7 years |
3 Months |
3 months – 7 years |
|
Find out more |
(this page) |
Cash loans provide funds for those surprise expenses or a bit of a helping hand for that big purchase. When faced with unexpected bills and expenses, cash loans can provide some peace of mind. If you are just looking to cover an unplanned or larger purchase, these loans can help you get your hands on extra cash fast to get things moving with that purchase.
Applying for a loan is as simple as filling out any other standard application form. Instant Finance provides the option of applying online or in-store at your nearest branch.
Like most application processes, it's best to prepare before completing the form. Here's what to have handy with you:
A valid ID. A current New Zealand Driver's Licence or passport is best.
Proof of income. This can be a bank statement or, if self-employed, an annual return.
Proof of your address. A current tenancy agreement or a recent utility bill will do the trick.
If you're planning on using your home as security for the loan, we will also need a mortgage statement.
If you're applying at your nearest branch, make sure to bring everything along with you, and one of our friendly staff will help you complete your application.
When your cash loan application is approved, in most cases, you can receive your cash loan funds on the same day or within 24 hours. This is a massive benefit if you need emergency cash.
Applying may directly impact your credit score, and the application itself will show on your credit file. It's worth only applying once you're ready to go ahead.
Yes. Joint applications are assessed on your combined affordability together, rather than one person acting as guarantor for the other.
Whatever you need it for — car repairs, medical or dental bills, a broken appliance, vet costs, family events, or simply catching up when things have gotten tight. There's no restriction on the purpose.
It depends on your circumstances and the amount you're borrowing — we'll talk you through your options during your application.
Yes, you can choose to repay the loan in full at any time you so wish, should you be able to.
Our minimum loan term is 3 months, and our maximum loan period is typically 7 years.
Instant Finance provides loans at an annual interest rate from 9.95% to 29.95% per annum.
The rate that applies to your loan will be based on a range of factors including your circumstances, credit history with us or others, the security you can provide and the loan amount.
Once set, the interest rate is fixed for the term of your loan.
If you get behind in your loan repayments, then we may charge a default interest rate on any overdue loan payments, while they are unpaid.
For Personal Loans written prior to 1 March 2026, the Default rate that we charge is 10% per annum above the Interest Rate that normally applies to your loan.
For Personal Loans written after 1 March 2026, the Default rate that we charge is 5% per annum.
On this basis the maximum annual interest rate charged would be 39.95%
From $100 to $220 depending on amount of new money borrowed.
$2.55 per person
$7.70 per person
$8.05
$3 (per instalment)
