Rating based on 32 reviews

Finance Now

  • Quick loans up to $20,000
  • Low-interest starting from 12.95%
  • Repayment up to 60 months

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Finance Now homepage
Author Finance Now. Screenshot of Finance Now website.
[Accessed April 17, 2018]

Finance Now - A reputable financial partner

One of the reasons why many New Zealand citizens prefer Finance Now is because we are born and bred from the Land of the Long White Cloud.

It is easier to trust a company you have seen with your own two eyes established and growing into a reputable financial services provider.

Receiving such admiration has made giving our clients quick cash loans with ease. The fact that they trust us has made us trust them. Therefore, one can rest assured we would never turn our backs on them when they apply for credit.

We support responsible lending

We must emphasize that we still follow our set rules and regulations and if you don’t meet our requirements or you submit fraudulent documents, we will have no choice but to reject your loan application. We don’t do any favors or offer easy bad credit loans, all rules need to be adhered to regardless of how much we love our Kiwis.

What to do if when a loan application was rejected

If your loan is rejected, we will give you valid reasons why this is so. Furthermore, we will advise you on how you can improve your chances of a successful credit application next time. Most of our declined clients take our tips and go and correct whatever needs to be rectified.

It also shouldn’t take you longer than a year to fix your credit record or stop spending more than you need to. After all that has been done, your short-term loan application should breeze through our credit processes.

Finance Now Services

The minimum you can borrow is $1000 and the maximum is $20 000. In cases where you need more than the maximum amount, you can still apply for more. Clients shouldn’t borrow more than they need.

Customers can apply for a personal loan by filling in the online application which doesn’t take more than 30 minutes to complete.

Everything that we ask you in your application is information about you. There aren’t any surprises or anything you should be worried about.

How long it takes for the money to reflect 

An agent will assess your online loan application as soon as it reaches us.

We normally require certain documentation to verify a few things. However, the documents will differ from one client to the next.

After we have checked everything and we are satisfied, the money will be deposited in your bank account within one business day.

Depending on the type of bank you use and the time the loan was approved, it may take longer.

When you need security for a loan

Security is only required when a client is applying for quick loans that are more than $20 000.

Anything below doesn’t require security.

Finance Now – Quick cash loan

  • Loan Type Quick loans
  • Interest Rate 12.9522.5% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 60 months

Benefits of Finance Now

  • Rates are competitive
  • Loans are affordable
  • Quick payout

Quick cash 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.

Finance Now - Getting a loan can be stress-free

I have applied online, why is someone contacting me?

We need to verify if we are dealing with the correct individual as far as identity is concerned. With so many scams lately, we have become extra careful with identity theft and fraud on the rise.

When interest higher

The calculations that are done on the loan calculator are estimates. A calculation will differ from one customer to the next. There are certain things we take into consideration that may slightly increase your interest. This includes your affordability and other personal circumstances.

 Self-employed clients

Absolutely, all you need to furnish us with is proof of your business’s bank statements. We need to see how your operation is performing financially so we can determine how much we can lend you and whether your organization is in a good financial state to pay for the quick loan or not.

Unemployed clients

The only way you can apply if you are unemployed is if your partner is working and you apply through our Joint Borrower process.

International clients

At Finance Now, you don’t only have to be a New Zealand resident to be considered for an instant cash loan. A client from Australia can also apply for our loan services. All we require from the customer is a bank account that was opened in New Zealand and proof that the same bank account is where your salary is debited to.

How to pay for your loan

We have a number of ways of paying for your loan at Finance Now. For starters, clients can make their payments through online banking which is easy and convenient for the people that don’t have time to visit a branch. A second method is by going to manually deposit your money at a Westpac branch of your choice. The last payment method is by cheque.

 Extra payments options

We always encourage our clients to make extra payments on their online loans if they can. This way, they will finish paying their loan sooner than the scheduled date. A customer is liable to pay $10 as a once off fee.

The loan repayment perio

A client can take out a loan for 60 months. However, you are also welcome to finish paying off your loan earlier than 60 months.

Customer Reviews & Testimonials

I applied for the Finance Now loan in the morning and my money was deposited to my bank account within hours of approval.

James W
— Masterton —

Through Finance Now, I was able to settle all my loan applications.

Zandia C
— Cromwell —

I am paying really affordable interest rates at Finance Now. Thank you for being financially considerate.

John L
— Levin —

Finance Now Contact

Physical Address

  • 114 Dominion Rd, Mount Eden Auckland Auckland Region 1024 New Zealand
  • Get Directions

Postal Address

  • PO Box 1204, Invercargill, 9840, New Zealand

Opening Hours

  • Monday 08:30 – 19:00
  • Tuesday 08:30 – 19:00
  • Wednesday 08:30 – 19:00
  • Thursday 08:30 – 19:00
  • Friday 08:30 – 19:00
  • Saturday 09:00 – 17:00
  • Sunday 09:00 – 17:00