Rating based on 14 reviews

Instant Finance

  • Personal loans up to $20,000
  • Low-interest starting from 19.95%
  • Repayment up to 36 months

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Author Instant Finance. Screenshot of Instant Finance website.
[Accessed July 3, 2019]

Instant Finance - Fast reliable loans

Instance Finance has been in the financial and loaning services for 45 years.

Becoming the loan company of choice for Kiwis have not come easy it’s been hard work and we are proud of the fact that we are also a responsible lending company and that we lead the personal loan industry by means of customer care and services.

We are passionate about customer service

Over the years Instant finance has served the people of New Zealand during these years we have also developed a robust service, orientated philosophy and our Frontline customer services are passionate about the well being of all Kiwi customers.

We offer in-house training and mentoring to all our employees, this has secured our philosophy which continues to remain unbroken; this makes a good recipe for paramount strengths when added to a healthy inter-branch competition. We have regular management meetings ensuring that a reporting structure is kept in place.

A strong team ethic

It’s important for us to attend team building activity’s, and regular branch functions as well as hosting social events throughout the year so that we maintain a strong team ethic. Our core values are to help the people with financial assistance that can be trusted.

As a reputable loan company, we are trusted by New Zealanders, our core value is a true reflection on what we believe in, we have built a respected reputation over the years and people identify us by our philosophies and inspirations because it shows in the way we behave as a payday loan company and as people.

Instant Finance Services

Our core value is to help everyone with financial assistance that can be trusted. We respect our customers as well as each other, we care and show understanding at all time, we are honest as well as transparent and we work hard and believe it's important to play just as hard.

We are committed to our core values and with the continuous support of our customers, we aim to continue providing the best personal loan and finance product well into the future.

Instant Finance is your number one finance company been assisting individuals with finance for many years, if you’re looking for an instant cash loan, we are here and aim to achieve just that.

We offer a wide range of products to choose from

We offer an easy to understand online loan application, a wide range of exciting products to explore and we have a strong commitment to responsible lending.

We are able to advise you and help you 3 understand about late fees and responsibilities, repayment schedules, household budget and loan interest rates.

Personal loans with a difference – call us

Our personal loan offers are between $200 and $20 000with terms tailored to suit your budget. We offer a maximum term of 3 years.

Use our easy branch finder and visit a branch nearest to you and come and experience the Instant Finance services we have to offer or you could apply online for a personal loan.

Instant Finance – Personal loan

  • Loan Type Personal loans
  • Interest Rate 19.9529.95% p/a
  • Loan Amount up to $20,000
  • Repayment 3 months to 36 months

Benefits of Instant Finance

  • Loans are affordable
  • Quick funding
  • Simple online application

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Instant Finance - A range of financial products to choose from

You’ll find that our staff members are supportive, they will treat you with respect and are here to listen and assist with any questions you may have with regards to our personal loans whether it be secured loans or unsecured loans, checks on credit history, debt consolidation, and small cash loans. We turn your loan application into a reality.

There’s a very good reason we’ve been around for so many years. We provide a wide range of short-term loans, we are friendly and efficient plus not only is our service excellent it’s also friendly. You may use your personal loan for almost anything like debt consolidation or renovations perhaps a wedding or just spoil yourself with something nice.

Applying for a personal loan online

  • Tell us how much you need to borrow, provide some personal details like contact information, employment details and your income and expenses. Once your loan application has been submitted, we’ll be sure to be in contact as soon as possible.
  • Apply for your quick cash loan from the comfort of your own home. Our online service is 7 days a week, 24/7
  • To make your loaning experiences with Instant Finance easier please have the following documentation ready, it will speed up the process and maybe you could receive your funds on the same day.
  • You will need a valid identification document like your driver’s license or passport, you also need to be a New Zealand resident
  • Bank statement where your remuneration is paid directly into or if you are self-employed you will need to provide an annual return
  • Proof of residences like a tenancy agreement or a utility bill (ensure that it is in your name)
  • Should you be using your home as security for your personal loan, you will need to provide a mortgage statement.
  • Please note that if you are planning on using your home as security for the loan, we will also need a mortgage statement.

We aim to understand you and what your circumstances are

All our online loan applications are assessed on a case by case base. We use real people to make decisions rather than that of an automated system. The key part of what we do is to understand the circumstances of all our customers.

Customer Reviews & Testimonials

Instant Finance assisted me with a personal loan that was truly tailored to my personal situation.

Gareth B
— Auckland —

I went to a local branch for the first time to apply for a personal loan. I was met with staff that was polite, professional and efficient. Everything was explained to me very clearly and I coul...

Amy W
— Wellington —

Instant Finance worked swiftly. They got back to me very quickly after I applied for a personal loan.

Darren C
— Whanganui —

Instant Finance Contact

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