Rating based on 39 reviews

Pronto Finance

  • Bad credit loans up to $20,000
  • Quick approval
  • Low-interest up to 11.97%

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

About Pronto Finance

At Pronto Finance they assist New Zealand citizens with fast, safe, and easily accessible personal loans. 

Pronto Finance provides you with online applications, which makes the lending process so much easier and faster.  With their unique digital technology, they can be of help to their clients from anywhere in New Zealand.

A renowned easy application process

Pronto Finance has made drastic changes within the loan industry after seeing what struggle it is for individuals to get excess to a quick online loan. They became determined to not only make the process easier but also faster and convenient for each client.

Taking out a loan at a bank has proven to be more difficult and time-consuming. That is where Pronto Finance can save the day. Instead of waiting hours or even days, you get to credit your loan within minutes.

Personalized interest rates just for you

Pronto Finance treats all the customers equally and with respect, whether you want to apply for a low rate personal loan or a bad credit loan. They reward their customers with low-interest rates therefore when you apply for a bad credit loan, you can be assured that they will supply you with fair interest rates.

Pronto Finance has a unique system in place which automatically adapts each client's interest rates to their situation. No need to worry about ridiculous rates anymore, Pronto Finance has your best interest at heart.

On top of their customer services

Pronto Finance provides the best customer service. They have been making use of “Shopper Approved” to help them collect their customers' feedback. By looking at the feedback of their customers, they can see where they need improvement and wherein they excel.

They are one of the world’s largest websites with thousands of reviews submitted every day.  It is an independent website and all reviews are from actual customers.

Pronto Finance Services

Pronto Finance provides fast approval, you can expect to hear from them within 9 minutes of signing your contract.

With the advanced technology that Pronto Finance accumulated, they can now supply quick loans as well. The application process has been made so easy, that you can do it within minutes via your mobile devices. No need for going into the store or scanning documents, it can all be done electronically from the comfort of your home

When your bad credit loan is approved, you can then sign your easy loan contract using their digital signature technology. Pronto Finance offices are originally situated in Nelson, but you can complete their online loan application from anywhere in the world. 

You are in control of your  bad credit loan

Pronto Finance has come across banks and financial providers, who take the borrower’s right to control their loans away. Therefore, Pronto Finance eliminated that and gave control back to their customers.

Their system allows you the choice of how much you would like to borrow and let you choose the payment options that suit your needs best. Pronto Finance does not charge any extra fees on early repayments. They rather encourage you to pay your bad credit loan NZ off sooner so you can save on interest fees.

Excellent lending services

Pronto Finance believes in being fair to the borrower and lending money responsibly. They want to make sure that the loan covers your needs as well as fits into your repayment budget.

They use a unique client rating system together with an affordability algorithm. By combining hundreds of pieces of data, Pronto Finance assesses each application with accuracy and speed. Interest rates start from 11.97% annually and are tailored according to your unique circumstances.

Benefits of Pronto Finance

  • Access to a loan within minutes
  • Provides bad credit loans which are affordable
  • Can sign the loan contract online

Pronto Finance – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 11.97%
  • Loan Amount up to $20,000

Benefits of Pronto Finance

  • Get a loan in 9 minutes
  • Affordable bad credit loans
  • Apply the loan contract online

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.

9 Minute processing time guaranteed

Applying for your loan at Pronto Finance is extremely easy and fast.

Required documents upon application 

  • Driver's license or Passport details - unfortunately, no other identity documents will be accepted.
  • Bank account and statements - It will be used to access your income and expenses, preferably you should be banking at one of NZ’s major banks.
  • Vehicle registration plate - all vehicles must be registered in your name and need a current WOF and rego.
  • An active mobile phone - Will be used to inform you about your application process.
  • An active email address- Your digital contract will be forwarded via email whereby you can sign online, with no need for printouts or going into the store.
  • There is no minimum income required to apply for a loan. Using your bank statement their unique algorithms assess your income and expenses. Each person’s surplus is different depending on their income and expenditure. By this procedure, you can be assured that your repayment terms are affordable.

Personalized bad credit loan amounts 

Pronto Finance believes in giving the borrower control over their loan. You can choose the amount you would like to borrow as well as the payment options. Payment options can be weekly, fortnightly, or monthly, whichever options suit you best. You can choose a loan amount from $200 to $20,000.

Loan security for vehicle finance

All loans need a security vehicle. The vehicle must be registered in your name and need to have a WOF and rego. You can’t have any money owing on the vehicle. 

If you do not own a vehicle Pronto Finance can also assist with a joint application for your quick loan. This is also done online. Simply choose the option “joint application” and provide the details of the security offered. 

The following costs will form part of the bad credit loan agreement:

  • Annual interest rate: Depending on your client rating the interest rate is set between 11.97% and 29.97%. By using their unique system they can reward borrowers and give them a lower annual interest rate.
  • No early payment fees: Pronto Finance promises to never charge for early repayments. You are encouraged to pay as much as you can reasonably afford.  This will save you on interest charges and get the loan paid off faster.
  • Establishment fee: This is a once-off fee that applies to all personal and bad credit loans. It is included in your repayments.
  • Administration fee: A fee charged for the administration of your loan. Included are all customer inquiries, updates, processing of payments, and regular statements.
  • A default fee: Only if your loan is in default will this fee be charged. The default fee is charged at $0.97 per day while the loan is in arrears.
man holding thumbs up

Pronto Finance is a trusted & reliable provider of bad credit loans

In our review, Pronto Finance adheres to the compliance criteria in accordance with the Credit Contracts and Consumer Finance Act 2003, where the granting the loan will not cause financial distress to the consumer.

✅ Pronto Finance is a registered credit provider in New Zealand: FSPFSP 417766

Customer Reviews & Testimonials

May 2019

I got a quick and reliable loan from Pronto Finance

Anthony P
— Christchurch —

September 2019

I got a great deal on a loan from Pronto Finance, I will recommend them to my friends and family

William J
— Auckland —

Pronto Finance Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed