Rating based on 11 reviews

Finance Now


  • Low-interest starting from 12.95%
  • Personal 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

Putting aside good rates and flexible loan terms Finance Now is one of the only NZ lenders that offers quick approval and also helps people with poor credit histories get the finance they need.

If you want to be treated with respect and obtain your loan quickly than we're the lender you're looking for!

A technologically advanced lender

We're a lender that has embraced modern technology with open arms. Our online lending system allows the customer to obtain fast loan approval and complete their applications in just minutes. Although it is our staff that will essentially decide whether your loan will be approved our system will generally make that decision first.

What Finance Now can offer you

Our personal loans are highly flexible and can offer you a large amount of money that can be repaid in a short or long space of time.

This means you can use our loans to pay staff or buy stock and not have to worry about long term debt and commitment if you need a loan for business purposes.

Our loan products

We offer quick loans that range from $1,000 to $20,000 at interest rates from 12.95% to 29.95% per annum. Whether you need to consolidate debt or pay for a wedding our flexible loan with terms from 6 to 60 months are ideal.

Finance Now Product Details

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

Getting a personal loan with Finance Now has never been easier

When it comes to applying for finance people get nervous before they even make the first step.

Although this is very common when you use Finance Now you'll find that our whole process is simple and stress-free. Choose a better way to access credit - choose Finance Now.

If you've been denied a loan by a bank or other online lender, we may still be able to provide you with a personal loan and welcome you to make an application with us. Once you've been approved you need not wait long until we credit the cash to your account.

Chat to one of our customer services agents

We would like for you to be able to contact us at any time even when you are busy with your online application. If you have any questions or you get stuck in a section you an all us and we will help you as soon as possible. We are here for you and we will make sure that you get the best treatment and get your application sent through to us.

Our company will have a loan for you

We offer you all the loans that you can think of. The best part is that we will make sure that we will find the loan that will suit your needs. We offer personal loans and Business loans and debt consolidation and more.

Using our calculator

We recommend that you use the calculator if you are unsure about the amount that you would like to loan as the calculator can help you. it will help you find the loan that you are happy paying for the month the week or every fortnightly you will be able to choose for how long you would like to pay your loan off. You will be able to adjust the interest to suit your loan.  You will be able to see the amount that you will be paying back.

Our interest rate

Our interest rates will depend on the loan amount that you will be taking as your loan. Our rates are from 12.95 % all the way to 27.95% for a loan. Our loan interest will also depend on whether it will be safe to loan you or if you are higher risk your interest rate would be higher.

Customer Reviews & Testimonials

November 2018

When I applied for my loan online I got a quick response to let me know that I had been accepted and my loan paid out instantly

Joe A
— Auckland —

April 2019

I went to the offices to apply for my loan I was helped straight away and they even helped me apply on the day for my loan

Tim M
— Dunedin —

Finance Now Contact Details

Physical Address

Postal Address

  • 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