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

Alternative online lenders are generally used by people who are blacklisted and cannot qualify for the competitive personal loan offered by the country's banks.

At Instant Finance we offer the best of both worlds and serve those who have excellent credit as well as those who have had a few bumps along the way.

Why you should choose us

In addition to all the other great reasons to choose Instant Finance, you can rest assured that you'll receive only the best customer service when dealing with any of our representativesand applying for finance. We have dedicated employees and over 40 years of experience in the industry - all this which will be put to work for you, our customer.

What Instant Finance can offer you

With so many genuinely good reasons to choose Instant Finance - we've found that our customer base is ever increasing - just as our customer satisfaction rates.

When you choose us you're choosing a finance partner that strives to get you where you want to go.

Get your secured loan today

We offer only secured personal loans which range from $500 to $20,000 and above. Our interest rates range from 19.95% to 29.95% per annum and we have loan terms which stretch from 6 months to a maximum of 3 years. We tailor loans to meet the needs of customers and will always consider you as an individual.

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

There is absolutely no reason that you have to accept subprime rates and loans because you've missed a payment or two in the past.

We will consider your payday loan application on an individual basis and ensure that you get the loan that you want and need.

Applying and getting your loan agreement form

Once you've completed the loan application form and sent through your ID, proof of address, pay slips and bank statements we will process your fast loan application and send you a loan agreement form which will contain all of the necessary information including the interest rate and term.

Our interest rates and loan fees

Our interest rates are from 19.95-29.95% the reason for this is because with us you can take a loan from 200$ to 200000$  deepening on the amount that you will be loaning and the amount of time that it would take to pay back your loan that is why the interest rates are different per your loan. However, the rate that we do give you is the fixed rate that you will pay your loan back at. Our fees are determined by the loan that you will be taking as there is different information that is allocated to a loan.

Our branches are easy to find

All you need to do is click on find a branch closet to you and then you can come and see us, perhaps you have a question or a query about your online application or you are unsure how to apply then come down and see us and we will help you. You can contact us via phone or email.

Applying for your online loan

All you have to do is click on apply for your online loan and answer the questions that you see below. Please let us know how much you would like to borrow and what purpose it would be for the more we know the better for you.

Customer Reviews & Testimonials

January 2019

I applied for a loan using the online system and within an hour I got a reply and received my loan

Ivan B
— Hamilton —

It is easy to apply for a personal loan through Instant Finance. The interest rates are low and they have a quick service

Mary S
— Tauranga —

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