Not all loans are the same. With secured lending, an asset you already own — commonly a vehicle — helps support your application and shape a loan that fits your plans.
At Instant Finance, we offer secured loans for car and vehicle purchases, as well as secured lending for travel and home improvements. Each loan is assessed individually, with repayments and terms tailored to your circumstances, and support available either online or through one of our nationwide branches.
At Instant Finance, we offer secured loans that can be supported by an asset you already own. These loans are commonly used for car and vehicle purchases but can also help with things like travel or making improvements to your home.
We keep things simple, with loans tailored to your situation and support available both online and through our nationwide branch network.
A valid New Zealand driver licence or passport.
This helps us understand your income and outgoings.
For example, a car or vehicle purchase, travel, or home improvements.
Including details of insurance where relevant
Most commonly a vehicle, but this can vary depending on the loan.
If you’re not sure about anything, our team will talk you through what’s needed — whether you apply online or visit one of our branches.
You can find your closest branch by visiting our Find a Branch Near You page.
A secured loan is supported by an asset you already own, which forms part of the lending assessment. This is commonly a vehicle, but can vary depending on the loan and your circumstances.
Most secured loans are supported by a vehicle, such as a car or motorbike. In some cases, other suitable assets may also be considered. We’ll talk this through with you as part of your application.
Secured loans are often used for car and vehicle purchases, but they can also help with things like travel or making improvements to your home.
The amount you can borrow depends on a number of factors, including the type of loan, the security provided, and your ability to make repayments. Each application is assessed individually.
You can apply online from anywhere or visit one of our branches if you prefer to speak with someone in person. The choice is yours.
All details about rates and fees are available on our Rates & Fees page. Everything is clearly explained before you agree to a loan.
Once you apply, we’ll review your information and get in touch to work through the next steps. We’ll explain the loan options available to you and answer any questions before anything is finalised.
You can learn more in our detailed FAQs page
