Rating based on 33 reviews

Instant Finance

  • Quick 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 April 17, 2018]

Instant Finance - Quality quick cash loans

Instant Finance has been in the business of helping people with short-term loans for a number of years.

We are a registered financial services provider that knows that certain things happen when you least expect them and as a result of that, they may need money to fix. We are always a phone call away to assist with whatever financial issue you are going through.

Talk to us, we are here for you

Most of the times, clients are hesitant to speak to us about their financial problems. The primary reason we opened Instant Finance was not to gain profit but to help our customers on the days they feel like nobody is available to assist.

We keep reassuring our clients to come to us for their online loan needs because our doors are wide open and everything we do is strictly confidential.

Out of total respect of our customers, we would never share what we do or say to them with either their employer or anybody else for that matter. The only person who will know about your personal details and loan application is the consultant that is going to receive your application.

Two methods of applying for a loan

Instant Finance has made things easier for the people that are looking for a quick loan but don’t necessarily have the time to come to one of our branches and apply for one. They can apply for a loan online and we will see to it that we give them a response before the end of business.

Instant Finance Services

We always recommend our clients use a method that doesn’t only work for them but is also convenient.

Although they can download the online loan application form, fill it in and send it back to us, the online method is slightly quicker. Therefore, it will depend on how fast you want the money. However, if you are looking to use the money on the same day or the next, we urge you to go the online route.

Instant Finance verification and assessment

After we have received your loan application, there is certain documentation that we are going to request. Although the documents may differ from one client to the next, there are usually basic documents that we require from everyone. These include your bank statement, proof of residence, and proof of identification.

Money is deposited into your bank account

Once we have received all the necessary paperwork and we are happy, we will our level best to ensure that you get the money on the same business day. However, we don’t guarantee that because it will depend on the time the fast cash loan was approved and how your bank operates.

Therefore, once the money has left Instant Finance, we have little to no control over how long the money will reflect on your bank account. We always encourage our clients to apply in the morning if they want to use the money on the same day. That way, the instant loan will be available on the same day.

Instant Finance – Quick cash loan

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

Benefits of Instant Finance

  • Simple loan application
  • Loan repayments are affordable
  • Quick funding

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.

Instant Finance - A quick cash loan without delay

What is the difference between a secured and unsecured loan?

A secured personal loan is a type of credit that requires the client to use certain assets as collateral. The assets that are used are normally equivalent to the amount taken on the loan. Should you not be able to pay your loan for a certain period of time, we will then take your assets and use them as surety.

At the end of the day, we always advise our customers to not make rational decisions when they want to take a loan, but to think everything through because once those assets are gone, they may never come back.

In essence, if you are not certain that you will always have money to pay your loan, it is best to not apply for credit in the first place. This will save you from a lot of bullets. On the other hand, an unsecured loan is a type of credit that doesn’t require any security. It is usually small amounts that don’t require security, but the bigger amounts always do.

Debt consolidation options

If a customer is interested in consolidating their loans with one of our debt consolidation loans, they are more than welcome to do so. When you combine your loans and pay for one merged credit plan, it makes things much easier for the customer. After all, our job is to ensure that the client is always put first. A lot of customers have had good things to say about our consolidation services because they were able to pay off their loan sooner.

The minimum age for applying for a loan

In order to apply for our fast loans, the client has been above the age of 18 years in order to apply.

Applying for more than one loan

Should you require an additional loan, you can apply for it. We will take the necessary precautions that we always take for a payday loan and if you meet our criteria, we will grant your loan application. However, we always encourage our clients to finish off one loan before applying for the next.

Customer Reviews & Testimonials

One business day was the amount of time it took Instant Finance to deposit the funds to my bank account.

Peter L
— Hastings —

I would like to commend the agents at Instant Finance for going out of their way to ensure that we get good affordable loan offers.

Luther D
— Raglan —

What a convenient loan application system Instant Finance uses!

Alexander C
— Gore —

Instant Finance Contact

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