Rating based on 25 reviews

Finance Now

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

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

Finance Now - Reliable short-term loans

Being stranded for money is not a position that we wish on anybody. Having nobody to turn to when you need money the most is the worst feeling.

Finance Now is a registered financial services provider that has been helping a number of clients access online loans. Seeing that an emergency doesn’t often inform you in time, you might be in a crisis and have no money to help yourself get out of it.

Payday might be too far away and you usually need money right away. At Finance Now, we understand all these frustrations and that is why you should never try to deal with your problems alone, we are here to help.

Keeping New Zealand citizens happy

It is usually very difficult to keep any human being happy. However, we have been able to keep a lot of smiles on our client’s faces because we know how to meet their demands with our short-term loans. The reviews that we get from the customers that we help on a regular basis are one of the reasons we have kept going.

Affordable loans and fees

Credit goes a long way when it is heartfelt. Our rates are also low because we try to accommodate the entire hierarchy of earners. The last thing we want is having our client’s personal loan applications declined due to affordability.

Therefore, we have made sure that everybody who is literally anybody can apply and have their applications declined due to other reasons such as bad credit or having too much debt.

Finance Now Services

Any client who has taken a keen interest in our loan application process can apply by completing the online loan application form.

The application form is online and doesn’t take long to complete it. All that is required of you is that you answer by giving us your personal details which vary from your place of residence to your place of employment.

When you apply, we conditionally approve your short-term loan. In simple terms, we are saying we are awaiting certain documents to either accept your credit application or decline it.

Submission and verification of documents

Upon receiving your online application, there are certain documents that we will need from a customer to proceed with the loan. Sending these documents to us doesn’t automatically mean your credit plan has been approved.

There are still verifications that need to be done. For starters, we need to verify if the paperwork you sent for our attention corresponds with the information you have stipulated on your quick cash loan application. We normally don’t find any discrepancies but if there are any similarities discovered, we will contact you to clarify the variances seen for us.

The money will be deposited into your bank account

Once everything has been cleared outPaydayand we are happy, Finance Now will ensure that the money is deposited to your bank account before the end of the business day.

Finance Now – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 12.9524.95% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 5 years

Benefits of Finance Now

  • Secured and unsecured loans 
  • Affordable loans
  • Easy loan application

Short-term 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 - Fast and affordable loans

Once the money has left Finance Now and we have deposited it in your bank account, we are no longer accountable for what happens in your bank account

The best option would be giving it some time to appear or calling your bank to find out what the hold-up is. There could be a valid explanation as to why the money isn’t reflecting on your bank account. However, that is only a reason that will be known by your bank and not by us.

Can I apply for more than one loan?

We don’t allow our clients taking up more than one loan. When they take one credit plan at a time, we would like to think it gives them room to breathe. Therefore, having more than two or just two may be a financial burden to an individual.

Once you have paid up your existing loan, you are more than welcome to apply to a new credit plan. We don’t want our customers changing their entire lives just to be able to pay for an instant cash loan they took at Finance Now. We want them to be able to continue living the same way they used to regardless of having a loan with us simply because they can afford to pay it off.

What if I am facing financial hardship?

Financial Hardship happens to the best of us. It is best to inform us as soon as you realize that you may not be able to meet your financial obligations as opposed to waiting for the scheduled date of payment to tell us or even worse wait until we find insufficient funds in your bank account. Notifying us in time will give ample time to try and come up with a plan for you.

However, we must mention that you will be liable for extra charges for failing to keep your financial promise. Always remember that having a bad credit rating may block your chances of being granted future short term loan applications and it takes a significant amount of time to clear your name from bad credit.

Customer Reviews & Testimonials

They have given me the peace that I needed I have been stressing all night knowing that I need to pay for something but didn’t have the money and now I do.

Jenny H
— Auckland —

Great service faster than I had taught it would be and now I am almost done paying off my loan.

Violet B
— Wellington —

If you are looking for a company that cares for you without judgment then this is the company for you and I will recommend them.

Karen H
— Nelson —

Finance Now Contact

Contact Number



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 – 18:00
  • Tuesday 08:30 – 18:00
  • Wednesday 08:30 – 18:00
  • Thursday 08:30 – 18:00
  • Friday 08:30 – 18:00
  • Saturday 09:00 – 16:00
  • Sunday Closed –