Rating based on 95 reviews

Finance Now

  • Business 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 March 7, 2023]

About Finance Now

Get a business loan minus the hassle!

Are you starting up a new venture? Or do you have to replace equipment? Maybe you want to expand your business without tying up your capital, whatever the reason, Finance Now has the best business finance solutions for you. Access commercial lending products such as business rentals and business loans through a wide range of B2B retailers across New Zealand

Finance Now has been assisting thousands of New Zealand businesses as well as individuals with the greatest financial services and products for more than 20 years now. They are different from your normal high-street banks when it comes to the way they approve applications, as they base their decisions on your ability to pay and previous credit history, and not just on the security you can provide.

Getting a business loan NZ

Whether you are planning on expanding your business, replacing equipment, or starting a new venture – they will help you find a financial solution specific to your needs. The best part is that Finance Now is fully New Zealand-owned and operated – so you will be getting the support you need from kiwis that understand.

They have a highly experienced team that is ready to help you reach your business goals and to answer any questions you might have. You can either call them on 0800 299 399 or you can choose to submit an online application if you prefer that over a phone call.

You can apply online now in just a few minutes and the application form is so easy to complete. As soon as you've finished, they will let you know if you've been approved and contact you to arrange payment and the completion of the contract – it’s as easy as that!

Finance Now Services

Get a business loan between $1,000 and $20,000 with an interest rate from only 12.5% to 16.5% depending on the amount, term, and your profile.

You can repay this loan over 6 to 60 months depending on the amount you borrow and the normal lending criteria and loan terms apply. Use their online calculator to give you a better idea of how much you will be paying for the amount you need.

Remember these repayments shown are only indicative and will include an application fee of $175. Before your loan is finalized you will receive full disclosure of all the terms of your loan (including the total amount payable over the term of the loan).

Get great store deals

Thousands of retail stores across New Zealand use their Credit Sales facility, allowing you to have credit options when you're shopping around. From furniture to home electronics, car accessories, and more.

Credit cards

They have 3 great credit cards to choose from that will provide you with more financial flexibility, options, and rewards.

For when it is time for new wheels

Whether your car needs a serious upgrade or you are planning on buying your first car, Finance Now is the right place to get the best car loan deal with competitive rates.

eMoney – manage your money your way

Register and join for free for you to send and receive texts for free, set up payment reminders, review payments, print statements, update your contact details, enjoy a fast approval process, receive special offers, and more.

Finance Now – Business loan

  • Loan Type Business loans
  • Interest Rate 12.9529.95% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 5 years

Benefits of Finance Now

  • Secured and unsecured loans
  • Competitive interest rates
  • Flexible repayment terms

Business loan calculator

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

From lower interest rates and flexible repayment terms, we offer it all

How to apply for a business loan online – business finance NZ!

Step 1: answer a few easy questions that will only take a quick minute of your time. Once you’ve filled in the online form, they will then let you know if you’ve been conditionally approved and what supporting documents they are requiring to accept your application.

Information you will need to provide them with during the application process:

  • Your full names
  • Address
  • Contact details
  • Where you are employed
  • Your assets
  • Your liabilities
  • ID
  • Your next of kin

Initial application criteria

  • You must be an NZ Citizen or a permanent resident and currently live in New Zealand.
  • 18 or older.
  • Have a fortnightly or monthly income
  • Current proof of identity (Passport or Drivers Licence)

Step 2: Online Pre-approval confirmation

Step 3: A loans consultant will be in contact with you to confirm that all the details you provided are correct and arrange a time to complete the loan documents.

Step 4: Confirmation of your bank account details

Step 5: The loan payment is deposited into your account!

Benefits of a business loan from Finance Now

  • They offer quick, easy, and reliable finance.
  • Their mission is to help you prosper and they’ll go the extra mile to do just that.
  • Highly competitive interest rates.
  • Secured and unsecured personal loans.
  • Bendable terms and repayments that will suit your budget.
  • Enjoy world-class service from a friendly support team.
  • Easy repayments that can be made weekly, fortnightly or monthly.
  • Cash in hand and the flexibility on how you use it.
  • Tailor-made loans, specific to your needs.

Customer Reviews & Testimonials

I was a bit skeptical at first using Finance Now as they haven't been around that long, but they have proved me wrong and won my trust. I will gladly recommend them.

Dewey G.
— Palmerston North —

Finance Now helped me not only with general start-up money but also with purchasing equipment and a vehicle for my business. One-stop-shop!

Ollie H.
— Tauranga —

Finance Now Contact

Physical Address

  • 114 Dominion Rd, Mt 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