Rating based on 4 reviews

Finance Now

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

In-page navigation

Finance Now homepage
Author Finance Now. Screenshot of Finance Now website.
[Accessed March 6, 2023]

About Finance Now

Since 2000, Finance Now has been offering New Zealand citizens top-of-range loans even for those who have bad credit.

Financial now has an extensive range of products, each designed to meet specific individual needs. They offer a wide range of services, including secured or unsecured retail, personal and business loans. Clients can now also get a bad credit loan with the help of their experienced sales team.

A proud local financial services provider

Finance Now has been part of the NZ financial services realm for more than 20 years and thus has extensive experience in finding loans that fit their customer’s needs. Their sales consultants are trained to find the most competitive deals within record time. Over the years, the company has helped over 530 000 Kiwis find a loan with the lowest interest rate and best terms there is to offer on the market. They also provide loans for citizens with bad credit loans to help them get into a position to start building towards a better credit score.

Apply online within minutes

On top of all their services, they also have an efficient and fast online application platform. Clients can now apply for their loan from the comfort of their homes by simply filling out their necessary details on the online form. Once they use it, a consultant will inform them about the outcome within minutes.

Finance Now Services

Finance Now personal loans offer competitive interest rates and flexible terms and repayments to suit their client’s needs.

Sometimes, it is necessary to get some help when unexpected costs arrive. A personal loan nz is perfect for those who need help covering rather large bills. People usually get a personal loan to buy a new car, pay for a family holiday, and even cover home renovation expenses.

Choose between loan options

Personal loans can be grouped into two types secured and unsecured. Secured loans are where the borrower provides the lender with an asset as collateral (usually a car or property). Secured loans offer a more significant amount,  longer-term, and a lower interest rate than unsecured loans. With an unsecured loan, clients do not provide any collateral as security. They are short-term loans for a smaller amount, making them perfect for those who don’t want a long commitment.

Personal loans for bad credit

People with a bad credit history who still have a stable income can apply for an unsecured personal loan at Finance Now. Their experienced consultants will work with the client’s application to find a loan that fits their affordability.

Finance Now – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 12.9529.95% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 60 months

Benefits of Finance Now

  • Flexible loans
  • Flexible repayment options
  • Quick online application

Bad credit loan calculator

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

Get access to bad credit loans with the help of a top NZ provider

Finance Now offers clients with bad credit the option to apply for an affordable unsecured loan by using the same online application process.

Determine your affordability with an online loan calculator

Clients need to make sure that they can afford their loan by using the Finance Now online personal loan calculator. They simply need to specify the details of their loan whereafter, the calculator will display a rough idea of the repayment terms. The details that they have entered into the calculator will appear on the loan application form. Clients then simply need to complete the rest of the record it is a straightforward application process.

The requirements for a personal loan

  • Be an NZ citizen - currently residing in the country
  • Be over the age of 18
  • Provide proof of fortnightly or monthly income after tax
  • Provide proof of employment
  • Provide proof of identity

Interest rate and terms

The interest rates on personal loans at Finance Now are, exceptionally low, ranging from 12.95% to 29.95% p.a. They offer flexible terms to fit client needs starting from 6 months up to 60 months. Clients receive full disclosure of all terms of their loan before the finalization of the agreement.

Get a bad credit loan approved within minutes

After completing the online application form and getting approved, clients can expect their money to be in their account within 24 hours. Finance Now can help any NZ citizen with bad credit get access to the financial assistance they need, without any hassles.

Customer Reviews & Testimonials

August 2019

They have fast and professional services.

Anna M
— Auckland —

June 2020

They are so reliable and their loans are flexible, not limited.

Luke B
— Hamilton —

August 2020

They were excellent, l was satisfied with their services

Den C
— Wellington —

Finance Now Contact

Physical Address

Postal Address

  • Finance Now Ltd, 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