Need cash fast? Our Fast $500 Loan gives you a quick cash boost at 0% interest with repayments over just 3 months. It’s a simple, fast & affordable way to get your hands on some extra cash.
Why Choose our Fast $500 Loan:
- 0% Interest – pay no interest for the full 3-month term.
- No hidden fees – just a one off $95 establishment fee
- Not restricted to specific shops or purposes – use anywhere you want.
- Apply online or in person.
- Instant Finance is 100% New Zealand owned & operated for over 50 years.
- Friendly, local teams. 25 Branches in 14 cities across NZ. Here to help when you need it.
The Instant Finance Fast500 product is also more flexible than other short-term options like Afterpay, Laybuy and other buy now pay later options – you can use the $500 cash anywhere and anytime you like!
What can I use the Fast $500 loan for?
Life happens & Instant Finance is here to help you wherever we can! Our Fast $500 loan is perfect for short term or emergency loans, when you need cash fast.
- Cash for that gig you can’t possibly miss.
- Funds for the latest in tech you need to get your hands on, now.
- Latest in designer clothing or shoes
- Minor car repairs and breakdowns
- Medical bills
- That sports gear you need for the Kids
- Small household appliances and goods
Our Fast $500 loan may also be a great way to start to re-build your credit score, if you’ve had previous issues with Bad Credit or problems accessing finance through traditional lenders like the banks.
Trusted, Responsible Lending
We’ve helped Kiwis get on top of their finances and make their aspirations possible for over 50 years. Our loans are assessed by a team of Real people, based in New Zealand, who will listen & understand your individual situation – we won’t let you get in over your head!
- Proud member of the Financial Services Federation (FSF)
- 100% Kiwi owned and operated for over 50 years.
- 25 branches across New Zealand, with a team ready to help when you need it.
- Apply online, or in person today!
Responsible lending criteria and terms and conditions apply. You can find a full break down of the Fast500 terms and conditions here.
Apply Now!
FAQ
What is the total cost of the Fast $500 Loan?
Just $595 total – the $500 principal plus a one-off $95 establishment fee. No interest, no hidden fees.
Can I Apply online?
Yes, you can apply online in minutes and get an answer fast. We aim to have all applications processed within 60 minutes. You can also choose to visit your local branch if you prefer.
What happens after the 3 months?
The loan is structured to be fully repaid within 3 months, but if you miss a payment default interest fees may apply -we will always work with you to try and avoid this situation.
What if I want to repay early?
No problem! You can repay the loan in full at any time prior to the maturity date at no extra cost.
Can I apply with bad credit?
Yes, you can apply even if you have a poor credit history. Credit is just one of the considerations our team consider when assessing an application.
Will applying impact my credit score?
Applying for a loan does not directly impact a credit score, but an application will show on your credit file. It’s a good idea to only apply if you’re serious about proceeding.
Apply Now – It’s Fast & Easy
Get the help you need – fast. No complicated forms, no hidden fees and no interest.
- Get $500 cash fast.
- 0% interest for 3 months
- One-off $95 establishment fee
- Apply in minutes, get an answer in 60.
Apply Now!
FAST $500 Promotional T&Cs
Instant Finance provides the FAST $500 loan product as a promotional offering to introduce new and existing customers to our products and services. The FAST $500 is specifically designed to help customers to avoid the trap of the Pay-Day loan cycle by spreading a small urgent need over a slightly longer period so they can afford the required repayments as a part of their normal weekly expenses.
Terms & Conditions
Instant Finance’s normal Terms and Conditions of approval and responsible lending assessment apply. The following special Terms and Conditions apply to FAST $500 applications and loans.
Availability:
The FAST $500 loan product is available during limited promotional periods.
FAST $500 loans are only available to be drawn down during the stated period.
Customers may have only one FAST $500 loan with an outstanding balance at any time.
Amount: $500
All FAST $500 loans are for a Principal Sum of $500, plus the Establishment Fee.
Interest Rate: 0.00%pa
Default Interest Rate: 39.95%pa
Default interest will be charged on any overdue loan payments while they remain unpaid.
Establishment Fee: $95.00
This is a contribution towards the cost of assessing and processing approved loan applications.
Administration Fee: $0.00
This is a contribution towards the costs of ongoing maintenance/processing of a loan.
Security: Unsecured
FAST $500 loans are unsecured. If a customer does not qualify for an unsecured loan they may be offered a secured loan under Instant Finance’s normal lending terms and conditions.
Loan Term: Maximum of 92 Days
This equates to 13 weeks, or 6 fortnights or 3 months.
Repayments:
FAST $500 loans are required to be repaid by equal instalments over the 13 week, 6 fortnight, or 3 month loan terms as we may agree.
30 Minute Approval*:
Once you have provided us with all of the required information to assess your application we will provide an answer within 30 minutes. Loans are available to be drawn down within our normal business hours.
*NOTE: every effort will be made to meet this response time but it is dependant upon receiving all of the required information to process individual applications.
Required Information:
This includes all of the information on our standard application form together with proof of address income employment and/or benefit qualification details. If you are not already an Instant Finance customer, or if identity documentation is out of date, then we will require to sight and copy your current government issued photo identification (Drivers License or Passport).
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