Rating based on 42 reviews

Instant Finance


  • Low-interest starting from 19.95%
  • Short-term 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

Instant Finance is a New Zealand owned loan provider that has been providing finance to Kiwi’s since they were founded in 1971.

For the past 46 years, Instant Finance has built a solid reputation that is known for providing superior quick cash loans all over New Zealand.

Building long term relationships

At Instant Finance we have a large customer base, which includes many long-term clients whose families have been using our short-term financing for generations.

What Instant Finance can offer you

Instant finance provides reputable lending services that are specifically catered to New Zealanders and will help them get over a financial emergency quickly.  

We employ a staff of over 130 people and we are committed to employee welfare, training and individual development.

An experienced lender

With over 45 years of short-term credit service experience to the New Zealand community, we are able to offer the absolute best financial services to our fellow Kiwi’s.

Instant Finance Product Details

  • Loan Type Short-term loans
  • Interest Rate 19.95 – 29.95% p/a
  • Loan Amount up to $20,000
  • Repayment 14 days to 3 years

Instant Finance has the best deals on short-term loans

Despite the 23 Instant Finance branches that can be found all over New Zealand, you can easily apply online if you wish.

Finding time to visit a lender at a bank can be quite difficult when you're also working 9 to 5 on the only days they are open. This is why it is so important that online services are easily accessible.

A simple loan application

Instant Finance has a comprehensive online loan application form that can be completed in no time. Instant Finance has a maximum loan period of 3 years. The loan application process is easy to complete and Instant Finance will get back to you in order to further discuss the terms of your loan.

Loans from $200

When you apply for a loan at Instant Finance, you will have the option of lending anything from $200 to $20,000. If you are applying for a short term loan then you will, however, most likely not apply for a substantially high amount. If you would like to borrow a higher amount, then you can lend the money over a longer time.

Personal loans to fit your personality

Personal loans are highly attractive loan options because of their versatility and flexibility. If you require larger borrowing amounts then a personal loan is more suited than a short-term loan due to their lower interest rates. With the help of a personal loan, you can finance anything that your heart desires – whether it is a family vacation, wedding or debt consolidation you can get the finance that you need under the terms that you prefer. Take control of your own finances with the assistance of a personal loan from Instant Finance.

Responsible lending done the right way

When it comes to lending we believe in doing it the right and ethical way. We place the needs of our customers ahead of everything else which is why we are committed to providing the highest possible level of customer service. Before approving your loan we go through all the bells and whistles to ensure that you fully understand the implications of the loan and agree to them. We will never force anything upon our customers which is why we do not believe in the fine print. Transparent, honest and ethical is what we live by to give you the fairest loan option possible.

Customer Reviews & Testimonials

October 2018

Before completing the online application I had a few concerns that I wanted to mull over. Not only did the friendly customer care lady put me completely at ease but also assisted me to complete m...

Mandy W
— Hastings —

December 2018

Instant Finance truly live up to their name! After completing the simple, fast application I received my money within only a few hours. That’s what I call fast, excellent service!

Dave H
— Mangere —

Instant Finance Contact Details

Contact Number


  • not available


Physical Address

Postal Address

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

Opening Hours

  • not available