Rating based on 2 reviews

Real Finance


  • Low-interest starting from 11.95%
  • Quick loans up to $20,000
  • Repayment up to 36 months

In-page navigation

Real Finance homepage

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

About Real Finance

With financial services in New Zealand lagging behind in both innovation and speed Real Finance have made set a goal to bring the country better, faster and more flexible quick loans.

Whether you're looking to travel or just repair your car so you can get to work and back - we can assist you with a fast loan.

Why Kiwis prefer us

We value our customers and believe that the best way to show this is through great customer service that touches the heart. Instead of trying to mindlessly process personal loans with no consideration for the customer - we focus on building a long-term relationship with you and this is why so many Kiwis prefer us.

What Real Finance can offer you

We offer fast loans that range from $500 to $20,000 and offer both secured and unsecured options depending on the applicant's credit history and needs.

Our loan terms stretch from 1 to 36 months and we tailor each loan to meet the customers' individual needs.

We understand and we listen

With expenses and prices ever on the rise and salaries staying just about the same - many Kiwis are feeling the crunch and running short on cash. We offer a simple, fast and affordable solution in the form of quick loans. If you need a quick loan we're certainly the lender for you - just visit our website and start your application.

Real Finance Product Details

  • Loan Type Quick loans
  • Interest Rate 11.95 – 29.95% p/a
  • Loan Amount up to $20,000
  • Repayment 30 days to 36 months
  • Decision 2 hours

Real Finance has a goal to bring the country better, faster and more flexible quick loans

We make deciding on an ideal loan amount and loan term simple and will tailor the loan package to meet your loan needs, your budget, income and pay cycle.

Our personal micro-loan currently boasts a competitive interest rate that ranges from 11.95% to 29.95%.

Our simple loan eligibility requirements

Our application requirements are not as stringent as those you'll see with the major banks in the country. We require you to be an NZ citizen or resident and be aged over 18 with full-time employment and a valid proof of address in order to get a loan. If you meet our requirements - you are very likely to be approved for a loan - even with bad credit!

How to apply for a loan with Real Finance

When you are looking into a loan service provider Real Finance is the right choice for you.

Our loan application is process is really fast. Applicants can fill out our fast online form or they can give us a call and apply telephonically where one of our friendly staff members would be delighted to assist and treat you as part of the Real Finance family.

Our online application form takes only a few minutes to complete and applicants will have an answer on their loan request within 60 minutes and more often than not, have access to the loan amount the same day!

Rates, terms and fees

At Real Finance we believe in keeping things real simple and start repayments as low as $10 a week. Our loan terms are easy and tailored to your individual needs and circumstances allowing clients to pay back their loans within a week or take up to 3 years to repay a full loan amount.

Like all lender companies, there are some rates and fees clients need to be aware of, such as;

  • Interest rate ranging between 11.95% and 29.95%
  • An establishment fee (depended on loan amount)
  • An administration fee of $18 per month
man holding thumbs up

Real Finance is a trusted & reliable provider of quick loans

In our review, Real Finance adheres to the compliance criteria in accordance with Credit Contracts and Consumer Finance Act (CCCFA), where the granting the loan will not cause financial distress to the consumer.

Real Finance is a registered credit provider in New Zealand: FSP3821

Customer Reviews & Testimonials

January 2019

Absolutely adore this lender, they really keep things fast, simple and easy. Great to have such a reliable lender who understands my needs.

Lauren P
— Gisborne —

January 2019

My husband and I had a wonderful experience with this lender. All very organised and professional, couldn’t have asked for better.

Cindy W
— Queenstown —

Real Finance Contact Details

Contact Number



Physical Address

Postal Address

  • PO Box 21342, Christchurch, 8013, New Zealand

Opening Hours

  • Monday 09:00 – 17:30
  • Tuesday 09:00 – 17:30
  • Wednesday 09:00 – 17:30
  • Thursday 09:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed