Rating based on 45 reviews

Instant Finance


  • Low-interest starting from 19.95%
  • Personal loans up to $20,000
  • Repayment up to 3 years

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

About Instant Finance

At Instant Finance they mind because you matter. Make the smart choice today and choose a personal loan from a company that cares.

Too often lenders will only give you a loan and be done. At Instant Finance there is much more care to their personal loan process. They care about your financial well-being and they prove it.

Instant Finance will be there with trusted advice to better your financial health at no extra cost to you. When you apply for a personal loan from Instant Finance you get more than just a personal loan.

Trust Instant Finance for a personal loan

No doubt being in the lending business for nearly 50 years gives Instant Finance an advantage above the rest. They understand the lending business completely.

With branches stretching from Kaikohe to Dunedin, they have a network of 26 walk-in sites that are ready and eager to assist you in every way possible when it comes to personal loans.

Along with their walk-in sites, they are also easily reachable online. Their team of highly experienced and passionate staff is always ready to further your financial future positively.


What Instant Finance can offer you

When it comes to service there is no doubt that Instant Finance is your go-to.

Delivering outstanding service as well as giving you reliable, sound and expert advice on personal loans is something that Instant Finance highly values.

You can be sure that your financial well-being is taken good care of with Instant Finance. They are proud to say that more than 80% of their loans are for returning customers. With a track record of such high success, it is a no-brainer on who to choose for your personal loan needs.

Giving you a personal loan is their main goal

Promising to always give you the best expert advice comes with great responsibility. This is something that is a high priority with Instant Finance. Before approving a personal loan they will make sure that you can indeed comfortably afford the repayments.

With them, you will always be able to find a positive solution for your personal loan needs. By supporting their customers with all the advice and care needed to make a smart personal loan choice, they ensure financial success.


Instant Finance Product Details

  • Loan Type Personal loans
  • Interest Rate 19.95 – 29.95% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 3 years
  • Decision 24 hours

We strive to help you get a personal loan, fast

The options for applying for a personal loan from Instant Finance are simple.

You can apply for your personal loan by visiting one of their 26 branches or giving them a call. Alternatively, you are also able to apply for your personal loan online. They offer a super-easy 4 step online personal loan application.

Documentation required for a personal loan from Instant Finance 

  • You will need details of your driver's license or passport. Make sure you have a copy of either one on hand.
  • You will be required to complete a secure Credit Sense link providing details of your bank statements.
  • You will need to provide your proof of address no older than 3 months.

Eligibility requirements for a personal loan from Instant Finance: 

  • You need to be at least 18 years old when you apply for a personal loan

The 4 easy steps to getting a personal loan from Instant Finance:

Step one:

When applying for your personal loan online, the first section of the personal loan application will be requiring all your personal details like:

  • Your full names.
  • The personal loan amount you require.
  • Your email address.
  • The purpose of your personal loan.

Step two:

This section of the online personal loan application will be a more in-depth look at your personal details. These will include the following:

  • Date of birth.
  • Contact number.
  • Relationship status.
  • Address details.

Step three:

A friendly, experienced, and helpful consultant will be in touch with you shortly to go through your online personal loan application and make sure that you make the right choice. Your application will then be sent for review and approval.

Step four:

Once approved your personal loan amount will be paid into your bank account in no time. It doesn't get easier than this when applying for a personal loan.

Get a personal loan from a team that gives you more

We all find ourselves in a financial pickle at least once in our lives. It is comforting to know that there is a company that can help you with a personal loan as well as valuable and sound advice to reach the success you deserve financially.

Instant Finance is your go-to when it comes to a lender that not only gives you a personal loan but also builds a strong relationship with its clients. Having them in your corner is the best decision you can make.

Get a personal loan from a team that understands

At Instant Finance they understand that being approachable and friendly brings business a far way. They have vowed to always be friendly and inviting to every customer.

Choosing to get a personal loan does not need to be daunting. With the staff that is always there to assist you in the best way possible, getting a personal loan from Instant Finance is a pleasurable process.

Instant Loans offers you outstanding support

Many lenders will only give you a personal loan and offer you no support after your personal loan has been paid out to you. Instant Finance prides itself on being there for you even after you receive your personal loan payout. They will be there whenever you need additional advice and assistance. Building a relationship with their customers is important to them. 

The benefits of a personal loan from Instant Finance 

  • Instant Finance gives you trusted advice.
  • They have nearly 50 years of experience in the business.
  • You can apply for your personal loan online.
  • They care about your financial well-being.

Customer Reviews & Testimonials

January 2021

It is with great pleasure that we will be recommending Instant Finance to all of our friends and family. The service we received from them when applying for a personal loan was outstanding. We ar...

Brown A
— Rotorua —

September 2021

When we decided to get a personal loan we started searching for appropriate lenders. It was easy to choose Instant Finance as our lender. Being able to establish a relationship of understanding w...

Wilson E
— Tauranga —

June 2021

We were in such a pickle financially and in urgent need of a personal loan. A friend of ours recommended that we approach Instant Finance for the personal loan we needed. We have never looked bac...

Smith E
— Gisborne —

Instant Finance Contact Details

Physical Address

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

Postal Address

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

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed