Rating based on 33 reviews

Finance Loans


  • Low-interest starting from 12.95%
  • Short-term loans up to $20,000
  • Repayment up to 5 years

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

About Finance Loans

If you're looking for a quick cash loan that you can take out entirely online without having to leave your house than we're the perfect lender for you.

We care about our customers and conduct individualized affordability checks to ensure we abide by the industry's best practice guidelines.

Responsible lending practices

Finance Loans is a registered lender and is committed to maintaining its responsible lending practices by ensuring all customers can afford the short-term credit they are applying for. We do run credit checks as required and will only lend you as much as you can comfortably afford to repay.


What Finance Loans can offer you

We don’t like to get too technical or use language that our customer will misinterpret or not understand so we keep things simple.

We will always be transparent about what you need to apply, how much we can offer you and what we will charge you for that particular personal loan amount.

Borrow up to $5,000

At Finance Loans we offer both secured and unsecured fast cash loans that customers can apply for and obtain entirely online. We also have flexible loan terms which means that you can choose a term that ranges from 4 weeks to 12 months to suit your budget.

Finance Loans Product Details

  • Loan Type Short-term loans
  • Interest Rate 12.95 – 29.95% p/a
  • Loan Amount up to $20,000
  • Repayment 4 weeks to 5 years
  • Decision 2 hours

Finance Loans is New Zealands best lender when it comes to short-term loans

If you've been denied a loan by a bank or other online lender, we may still be able to provide you with a short-term loan and welcome you to make an application with us.

We approve applicants based primarily on their income and expenses which should balance out to make room for the loan repayments.

Our loan application requirements

To apply for a loan you must be able to provide proof of address, 100 points of ID, a document verifying your address and 3-month bank statements. In addition, we require you to be over 18 and employed in a full-time position where you earn a stable monthly income to ensure affordability.

Simple, fast and convenient loan applications

Applying for a loan has never been simpler than now. You no longer need to take time out of your busy day to visit the bank; instead, you can complete an application online from the comfort of your home or the office. If you prefer you may also apply telephonically if you have any questions relating to the application process. Within a few minutes, you will receive a response to your application and, if approved, you can have the money paid into your bank account before the end of the day. Finance does not need to be complicated – apply with Finance loans today.

Secured loans versus unsecured loans – what’s the difference?

At Finance Loans we offer both secured and unsecured lending options but what do these terms mean? With a secured loan the borrower is required to provide a form of collateral or security when applying for a loan. This allows the borrower to access higher borrowing amounts and lower rates due to the increased security. However, an unsecured loan option does not require the borrower to provide any collateral and consequently can only access lower borrowing amounts at higher rates due to the increased risk. The type of option that you choose will depend on the amount which you would like to borrow and your personal financial circumstances.

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Finance Loans is a trusted & reliable provider of short-term loans

In our review, Finance Loans 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.

Finance Loans is a registered credit provider in New Zealand: FSP480586

Customer Reviews & Testimonials

December 2018

When I found myself in a bit of a financial pinch I was concerned about how long it would take to resolve the issue. I was pleasantly surprised when the application process was fast with little d...

Jack L
— Albany —

January 2019

As a non-homeowner, obtaining a loan can be a difficult business which is why I was relieved when I saw that Finance Loans offers both secured and unsecured loan options. Not only was I able to o...

Jayne E
— Brighton —

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