Rating based on 21 reviews

Finance Now


  • Low-interest starting from 12.95%
  • Debt consolidation loans up to $20,000
  • Repayment up to 5 years

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Author Finance Now. Screenshot of Finance Now website. [Accessed May 23, 2018]

About Finance Now

Pay off your debt and enjoy one easy-to-manage debt consolidation loan.

Finance Now is one of New Zealand’s leading alternative credit providers with one of the largest ranges of financial products available to consumers. They are an innovative lender that offers you less stringent lending criteria, flexible terms, and decent interest rates that you’ll certainly appreciate.

Quality debt consolidation loans for you

Apart from their fantastic rates, flexible products, and extensive range of loan types, Finance Now has a team of people that care about quality and strive to deliver only the best value-for-money and supreme customer service.

When you deal with them, you’re dealing with people who are just like you and who care about your well-being and financial success.

A loan will increase your credit score

The best way to increase your credit score is by saving more and spending less. A debt consolidation loan makes this possible as it enables you to pay off your debt and repay one low-interest loan. Paying off your debts will immediately improve your credit score while it will provide you with extra cash at the end of the month.

What’s more, is that you will be able to repay your debt consolidation loan early and save even more on interest.

What Finance Now can offer you

They offer excellent rates on their personal loans – which means that these loans are ideal for debt consolidation.

Debt consolidation means combining your smaller, unsecured, and high-interest debts together and taking out another, cheaper loan to pay them off with. Finance Now offers secured loans of up to $20,000 at a rate starting from just 12.95% per annum.

Secure the perfect loan from Finance Now

You can make use of their advanced loan calculators, find the ideal loan type for your needs and even find insurance products that will fit into your lifestyle and budget. With their nifty tools, you can figure out what your ideal debt consolidation loan looks like.

Bad credit debt consolidation loans

Worried about the missed payments you had? Finance Now mainly focuses on your ability to repay and not too much on your credit history.

They believe that everyone deserves a second chance and it is their main objective to assist New Zealanders with a fair chance in obtaining the credit they need to build a better future.

They have been the first choice of thousands of clients for years now and they are proud of the excellent service they deliver to the people of NZ. 

Finance Now Product Details

  • Loan Type Debt consolidation loans
  • Interest Rate 12.95 – 29.95% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 5 years
  • Decision 48 hours

We are the professionals when it comes to debt consolidation loans in NZ

They recommend that you make your way to their website and use their loan calculators to find out how much you need to borrow to consolidate, how much it will cost and how much you can save.

Once you know how much you need to borrow and how much you can afford to pay a week – you can then apply for your debt consolidation loan online.

Their basic eligibility requirements

At Finance Now, they don’t have such strict lending requirements as banks do but, they will require you to provide security for your debt consolidation loan.

If you cannot provide security yourself, they will encourage you to provide a guarantor who can so that you can secure your loan. They require applicants to be over 18, NZ residents, and employed with a stable income.

Get your debt consolidation loan within 6 to 60 minutes

Step 1:

Select your loan type, amount, and term.

Step 2:

Provide your details as well as the required supporting documents.

Step 3:

They will then check whether you can actually afford the loan you are applying for. They will always give you valid reasons if your credit request has been turned down. If approved, they will send you the debt consolidation loan agreement for you to sign.

Step 4:

Once you have signed the funds will be transferred to your account and you will have access to it within 24 hours.

The great benefits of getting a debt consolidation loan with Finance Now

  • Lightning-fast service.
  • Trustworthy and transparent staff.
  • Competitive and reasonable prices and terms.
  • Your way to financial freedom
  • Helpful tools and guidelines.

Customer Reviews & Testimonials

October 2020

Finance Now gave me the relief of knowing that my debt consolidation wouldn’t take longer than expected. Everything was done in the quickest turnaround time. By the end of the same business day o...

Peter P
— Balfour —

November 2020

Finance Now was able to put me at ease by providing me with accurate and factual information after applying for credit. They didn’t give me misleading information and refrained from informing me ...

Isabella W
— Barrhill —

November 2021

Got a very cheap loan from them and used it for all my expensive debts. Very happy with their service.

Moore J
— Hamilton —

September 2021

A great company to take a debt consolidation loan with, they are fast, reliable, and extremely transparent.

Mitchell D
— Tauranga —

February 2022

A company that still maintains a personal touch while providing supreme online loans within 6 minutes.

Harris A
— Rotorua —

Finance Now Contact Details

Physical Address

Postal Address

  • Finance Now Ltd, PO Box 1204, Invercargill, 9840, New Zealand

Opening Hours

  • Monday 08:30 – 18:00
  • Tuesday 08:30 – 18:00
  • Wednesday 08:30 – 18:00
  • Thursday 08:30 – 18:00
  • Friday 08:30 – 18:00
  • Saturday 09:00 – 16:00
  • Sunday – Closed