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 September 6, 2021]

About Finance Now

Since 2000, Finance Now has been serving Kiwis by providing affordable and flexible financial solutions.

We specialize in retail, personal and business loans. We offer both secured and unsecured solutions. In addition to our loans, we have a Credit Sales facility available in over 1400 retail stores nationwide. We are a 100% NZ-owned subsidiary of SBS Bank, formerly the largest building society in the country.

A team of professionals

Our lending team consists of experienced professionals who put the needs of the client first. We will do everything necessary to offer a business loan solution that is perfectly tailored for you. Finance Now is a Qualifying Financial Entity and participates in the Banking Ombudsman Scheme. We are committed to responsible lending and follow the professional Code of Conduct of the Financial Services Federation.

Finance Now Services

The business loans of Finance Now are designed to provide asset finance to entities of all sizes and all industries.

We are particularly proud of our savings options and flexible terms and conditions. We offer very competitive rates and a repayment term of up to 60 months. You choose the size of the deposit. We are able to offer no-deposit short-term loans which are particularly beneficial for small businesses and start-ups.

Tax-deductible opportunities

Intangible items such as servicing and software can be included in the purchase price for maximum convenience. You can generate considerable savings with tax deductibility opportunities. The GST component can be claimed almost immediately. Interest and depreciation can be claimed afterward.

Finance Now Business loan

  • Loan Type Business loans
  • Interest Rate 12.95 – 29.95% 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

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

Finance Now is your one stop financial institute that can assist you with your business finance needs.

Finance Now is a pro-business financial supplier, offering budgetary solutions for you and your customers. Utilizing an online framework, we give our clients and retailers a simple, quick, and basic financial solution process. We will offer you a variety of easy and affordable repayment options that will not leave you feeling bankrupt at the end of the month.

What is business finance?

Any asset(s) that is obtained or leased principally for business purposes can be bought utilizing our business loan arrangements. This can include vehicles, equipment, and furniture needed to run your business smoothly. Whatever you need, we will help you get it.

We have the capacity to give business finance on an extensive variety of things that will boost your business. If you require a cash injection to either start a business from the ground up. Develop your existing business by adding new infrastructure, new equipment, vehicles, or computer programs. We can assist you with your requirements.

Ability to apply for a loan

Apply for a loan online, Download our easy application forms from our site or Call us free on 0800 365 287. We have a range of platforms to suit the comfort of our clients.

Now you can have the financial assistance you need to improve, expand or start up your business it’s never been easier, quicker and user-friendly than with our business loans at Finance Now. Build your company through a partnership of financial experts who care about you and your success.

Apply online or contact our call center. We have a friendly consultant on hand to answer all your business loan queries.

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 – 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