At a glance
-
Borrow from $500 to $50,000
-
Interest rates from 9.95% p.a., personalised to your situation
-
Loan terms from 3 months up to 7 years
-
Funds within 24 hours of approval
-
25 branches across New Zealand, plus one online everywhere
-
100% New Zealand owned, lending to Kiwis for over 50 years
Ready to Apply?
Whatever "possible" looks like for you
Sound familiar? A fridge that's given up at the worst possible time.
A wedding you can't miss. A kitchen that's had its day. Life throws all sorts of tricky moments our way — here's a few of the ones we hear about most.
Travel & Life Events
Missing the big moment because the timing — or the money — isn't quite right? What if Instant Finance could make it possible to be there?
Home Heating & Kitchen
A house that's never quite warm enough, or a kitchen that's had its day.
What if Instant Finance could make a warmer home — or a new one — possible?
Passionate Pursuits & Lifestyle
Boats, motorbikes, or just the toys that make the weekends better.
What if Instant Finance could make your lifestyle possible?
Car Finance
Whether it's a first car or the one you've had your eye on for a while, what if Instant Finance could make it possible?
Check out our Car Loans
Debt Consolidation
Juggling more than one repayment can feel like a lot to manage. One straightforward loan could make things simpler.
Check out our Debt Consolidation Loans
Appliances & Home Goods
From a fridge that's finally given up to the everyday things that need replacing, what if Instant Finance could make it possible?
Common questions
What can I use an Instant Finance loan for?
Pretty much anything life throws at you — that's the idea behind Makers of Possible.
From a new car to a much-needed appliance, a family wedding to consolidating a few bills into one, we don't work from a fixed list of "approved" reasons. We look at what you need and whether it's affordable for you, not just what it's for.
How much will it cost me?
That depends on how much you borrow, over what term, and your own circumstances. Interest rates range from 9.95% to 29.95% per annum, and a few fees may apply on top, like a one-off establishment fee.
You can see the full breakdown, including a worked example, on our Rates & Fees page, or use the calculator above to get a feel for your own repayments.
How fast can I get the money?
Once you're approved, you can typically expect the funds in your account within 24 hours. Apply in just a few minutes and we'll take it from there.
Do I have to apply online?
Not at all — online is the fastest way, but you're welcome to pop into one of our 25 branches, or give us a call, if you'd rather talk it through with someone in person.
What if my credit history isn't perfect?
A less-than-perfect credit history isn't a deal-breaker — it's one of several things we look at, not the whole picture.
Every application gets a proper look at your individual circumstances before we make a decision, so it's always worth talking to us rather than assuming the answer's no.
Ready to Make it Possible?
Loan terms
Our minimum loan term is 3 months, and our maximum loan period is typically 7 years.
Interest rates
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.
Default interest rate
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%
Loan fees
Some or all of the following fees are payable at loan commencement, these may be added to the amount you borrow:
Loan establishment fee.
A one-off set up fee for your loan.
From $100 to $220 depending on amount of new money borrowed
ID Verification Processing Fee
A per verification charge through a 3rd party.
$7.70 per person
Security Registration fees
For secured loans where we register an interest in personal property items provided as security
$8.05
Other Fees
Administration Fee A fee payable on each instalment due date of your loan $3 (per instalment).
Credit and Default fees
Default or other fees that can arise during the course of a loan are shown in our full fee schedule.
Loan Example:
The amount repayable of your loan is made up of your interest rate, plus fees. For example, if borrowing $10,000 repayable over 3 years at an interest rate of 29.95% you would be required to make 156 weekly instalments of $102.54. This repayment is made up of interest, an establishment fee of $220, an ID verification fee of $7.70 and an administration fee of $3.00 per instalment.
Total interest would be $5,300.54 with total fees of $695.7 making the total payable over the full term $15,996.24.