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ClearScore Cashback Offer – Instant Finance.

Get rewarded when you apply via ClearScore.

Instant Finance has partnered with ClearScore to offer a gift card reward to eligible customers who take out a qualifying loan. If you apply for an Instant Finance loan through ClearScore and are approved for $10,000 or more, you will receive a Bonfire Gift Card valued up to $300, depending on your approved loan amount.

This offer is available for a limited time and is subject to the terms and conditions below, including Instant Finance’s responsible lending criteria.

Promotional period is from Friday the 24th of April 2026, to Friday 5th June 2026.

How the offer works

  • Apply for a loan with Instant Finance via ClearScore

  • Get approved for a loan of $10,000 or more

  • Receive a Bonfire Gift Card once your loan funds have been advanced

  • The value of the Bonfire Card is based on the total amount of your approved loan.

Offer tiers

Approved Loan Amount Bonfire Card Value
$10,000 - $14,999 $100
$15,000 - $24,999 $200
$25,000+ $300

Terms & Conditions

  • Offer runs 24 April 2026 to 5 June 2026 (“Promotion Period”).

  • Eligible customers will receive one (1) Bonfire Card of up to $300.

  • Loans with a total amount Advanced of $10,000 to $14,999 qualify for a $100 Bonfire card, Loans of $15,000 to $24,999 a $200 card and Loans of over $25,000 qualify for a $300 card.

  • To qualify, your loan application must be initiated via ClearScore and verified during the Promotion Period

  • The offer applies to the total amount advanced and a minimum of $10,000.

  • Limit of one Bonfire card per customer.

  • Bonfire Cards will be issued within 2 weeks of funds being advanced and will be sent to customers home address or can be collected from their nearest Instant Finance branch.

  • If a customer is unable to receive the Bonfire card, or collect the card from any Instant Finance branch, can be used to offset the remaining loan balance as a one-off payment

  • This offer cannot be transferred, exchanged for cash, or used in conjunction with any other promotion.

  • Standard responsible lending criteria, fees, terms and conditions apply.

 

FAQ's

How do I apply for this offer?

To be eligible for this offer, you must apply for your loan through ClearScore.

Visit the Offers section on ClearScore at:
https://www.clearscore.com/nz

Select the Instant Finance offer and follow the link from ClearScore to start your application. Applications started outside of ClearScore are not eligible for this promotion.

Can I apply directly through Instant Finance and still qualify?

No. To qualify, your loan application must be initiated via the ClearScore offers section and verified during the Promotion Period. Applications made directly through Instant Finance channels will not be eligible.

Do I need a ClearScore account to apply?


Yes. You will need an active ClearScore account to access the Instant Finance offer and to apply through the ClearScore platform.

When will I receive my Bonfire Card?


Bonfire Cards are issued within 2 weeks of your loan funds being advanced, provided all eligibility requirements are met.

How will I receive my Bonfire Card?

Your Bonfire Card will be:

  • Sent to your home address, or

  • Available for collection from your nearest Instant Finance branch

What if I can’t receive or collect my Bonfire Card?

If you’re unable to receive or collect your Bonfire Card, the value of the card may be applied as a one‑off payment to your loan balance.

Can I receive more than one reward?

No. This promotion is limited to one Bonfire Card per customer, regardless of the number of applications submitted.

Is my loan guaranteed to be approved?

No. All loans are subject to Instant Finance’s responsible lending criteria, and approval is not guaranteed. Standard fees, terms, and conditions apply.