Rating based on 1,366 reviews

Instant Finance

screenshot of Instant Finance homepage

About Instant Finance

A New Zealand owned loan provider, Instant Finance, established in 1971 has provided tens of thousands of Kiwi's with fast, reliable and convenient online loans in NZ.

For over 46 years, Instant Finance has strived to build a reputation, which is known and trusted by all New Zealand residents.

With a staff count of over 130, customers are sure to receive the very best and speedy service.

Our loan process is a transparent

We are also dedicated to the training, well-being and individual development of each employee. Our loan process is a transparent one and we will assist you every step of the way. Choose from a variety of loans to suit your requirements, whether it be personal loans, car loans and more.

What Instant Finance can offer you

Instant Finance offers different types of loans such as personal loans, quick loans, short term loans and car loans.

We pride ourselves in our level-best service and offer clients various options to apply and manage loans.

Simple, fast, and hassle-free

Apply online for a simple, fast way of obtaining a loan through Instant Finance. You can apply for a loan by visiting your nearest branch, applying online or downloading the loan application form, which you can fax or post to your nearest branch. The online application form is a easy and convenient way to apply today.

With various branches in Auckland, Northland, Central North Island, Lower North Island and South Island, there is always the option of visiting one of the many branches to apply for instant loans. Find the very best loan options at Instant Finance today!

Interest Rate

From 0 %

To 0 % Per annum

Loan Amount



Repayment Term

0 weeks

0 years

In a Nutshell

  •  Online application
  •  In-store application

Choose from a variety of loans to suit your requirements

Apply online and a consultant will contact you back, it is as simple as that!

You have the choice of downloading the application form, which can be faxed or posted to your nearest branch. Alternatively, the entire process can be completed online. With various branches across New Zealand, you do not need to look far, should you wish to visit a branch to apply or finalise your loan. It is simply another way Instant Finance aims to allow you the easiest possible way to get a loan for whatever it is you need finances for.

The application procedure to obtain a quick loan is hassle-free and convenient with short repayment terms.

Want a larger loan amount?

However, should you wish to loan a larger amount, the repayment period will be extended. Applying for a loan is made easy through Instant Finance!

Should our clients wish to do everything online/electronically all they need to do is to fill out our quick and simple online application form which is readily available on the home page of our website. This online application form will only take a few minutes to complete which allows you to do this at your leisure at home or during a quick tea break at work.

Rates, terms, and fees

We at Instant Finance want our clients aware of the costs involved in securing their loan amount and know exactly how much they will be required to pay back at the end of their loan term.

Below are the rates, terms and fees applicants should know of;

  • Our loan terms range from 3 months to 3 years
  • Our interest rates vary between 19.95% to 29.95% depending on the individual loan application
  • Establishment fee applies (amount dependent on loan amount)
  • Registration fee
  • $2 administration fee
  • Variation fee
  • Full repayment fee
  • Default fees may apply if loan account is in arrears

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Earning a stable income
  •  Active NZ bank account
  •  Recent pay slips
  •  Bank statements

Other Products & Services

  • Personal Loans
  • Quick Cash Loans
  • Short Term Loans
  • Car Loans

Customer Reviews & Testimonials

Here’s a short video about Instant Finance

Contact Details

  •  0800 760 000
  •  (03) 926 2300
 Visit Website Apply Directly


 Physical Address

  • 3/11 Goulding Ave, Christchurch, Hornby, 8042, New Zealand

 Postal Address

  • P.O. Box 11427, Ellerslie Level One, Building B 600 Great South Road, Greenlane, 1051, New Zealand