Rating based on 2 reviews

Real Finance


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

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Real Finance homepage

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

About Real Finance

Real Finance has set a goal to bring you the best fast loans NZ has to offer. With over 100 years of experience within the finance industry, they have served Wellington & Canterbury for nearly 50 years.

Whether you're looking to travel or just repair your car or go on a relaxing holiday they can assist you with an instant loan. A fast and flexible loan from Real Finance will make it possible.

Real finance welcomes you into their family

Their highly professional and dedicated team will treat you like you are part of the Real Finance family. If you need any advice or support with your loan, they will be more than happy to assist. They use their expertise to provide the perfect lending solutions and have thousands of happy customers all over New Zealand.

The most flexible fast loans

With expenses and prices on the rise and salaries staying just about the same, many Kiwis are feeling the crunch and running short on cash.

They offer you a simple, fast, and affordable solution in the form of quick loans, to assist you when your finances get tight. When you need a fast loan, they are certainly the perfect lender for you.

Loans can be paid back in as little as a week or within 3 years it all depends on your financial situation.

What Real Finance can offer you

Service is provided directly to the public and through a network of partners who wish to give their customers excellent financing options.

They offer fast loans that range up to $20,000 and offer both secured and unsecured options depending on your credit history and affordability. Their loan terms stretch from 1 to 36 months and every instant loan is tailored to meet your individual needs.

Rates, terms, and fees

Real Finance believes in simplicity and their repayments start as low as $10 a week. Their loan terms are effortless and tailored to your individual needs allowing you to pay back your loan with ease.

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

  • Interest rates range between 11.95% and 29.95%.
  • An establishment fee (depended on loan amount)
  • An administration fee of $18 per month.

Be in control of your Quick loan

Real finance wants to help you take control of your finance so you can make better decisions when it comes to your loan. By giving you access to your credit profile, you can understand your credit status and make improvements where it is needed.

You can also make use of the loan calculator as it will help you to determine what your repayments will be. This is an ideal way to also help you budget and know what you will have left after your loan has been deducted.

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

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

Their fast loan application process is a seamless and stress-free process. Their friendly staff members would be delighted to assist and give you the best customer treatment possible. Their application requirements are not as strict as those you'll see with the major banks in the country.


It is required of you to be an NZ citizen or resident, be aged over 18 with full-time employment, and have valid proof of address to apply for a quick loan. If you meet the requirements, you are very likely to be approved.

Follow these easy steps to apply for your loan online:

Step 1:

On their website, you can fill in their quick and easy minute application form with all your personal details.

Step 2:

Your application will be processed to make sure it fits for purpose and that it will fit your budget.

Step 3:

If your loan is approved, they will explain all information and assist you to sign up, after which they will pay out your funds.

The best instant loans

Their expert team is ready to accept your call now to guide you through the loan application process and the solution that works for you.

You can call them, go visit them at their office if you prefer a more personal setting or simply apply for a loan online. They look forward to hearing from you when you require an easy cash loan from a reliable and personal lender.

Benefits when you apply for a loan at Instant Finance

  • Flexible interest and repayment terms.
  • Dedicated and helpful customer service.
  • 100% NZ-owned and operated.
  • Safe and secure online application.
  • Funds are paid into your account within 24 hours.
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 2020

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 2020

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 —

October 2020

Instant Finance was so passionate about finding the correct solution to my needs, that I felt I could relax while they took care of everything for me. And they did just that!

Course A
— South Island —

August 2021

I can’t believe how fast it was to apply and then get the funds into my account. A truly seamless experience.

Hamilton N
— Napier —

February 2022

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

Watson C
— Wellington —

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