Rating based on 37 reviews

Pronto Finance

  • Car finance up to $20,000
  • Apply in 9minutes
  • Low-interest up to 11.97%

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

About Pronto Finance

Modern finance is all about efficiency, innovation, and affordability – three aspects that Pronto Finance is happy to boast about.

Advancements in modern technology have allowed our team to foster our expert services and repack it into a simpler and more effective platform.

An improved online platform

Pronto Finance is a registered digital finance company based in Nelson, offering car loans and a variety of other financial products to Kiwis in financial need. Due to our improved online platform, we are able to cater to the requests of clients all over the country in only 9 minutes – guaranteed!

The new and improved digital signature technology

Digital signature technology is only one of the many technological improvements we have employed. With our new system, customers are able to sign their car loan documentation online. No rushing to the fax machine or arranging to take time off work. It’s as easy as visiting our website on your personal computer or Smartphone.

Up to $20,000 in finance

Pronto Finance offers borrowers the opportunity to access both small and large personal loan amounts to cover an array of borrowing needs – including car loans! Customers are able to borrow from $200 up to $20,000 and make weekly, fortnightly, or monthly repayments – the borrowing period depends on the repayment frequency.

Early repayments with no strings attached

We encourage our borrowers to finalise their loans as soon as possible by taking advantage of our ‘no early repayment charge’ policy. This means that if you choose to repay your car, personal or short-term loan early, we will not penalize you as many lenders do. Instead, we welcome the notion!

Pronto Finance Services

At Pronto Finance we understand that sometimes Kiwis are in dire need of financial assistance which is why our finance is flexible.

We are not only open to lending to those with less-than-perfect credit, we even offer joint loan application opportunities.

Financing a new set of wheels

Whether you are starting a new job, enrolled in college, or want to purchase a vehicle for your child’s eighteenth birthday, Pronto can help you arrange the vehicle finance that you need.

With a maximum borrowing amount of $20,000, customers can easily arrange for vehicle finance for either a new or second-hand vehicle.

The expected annual interest rate can range between 11.97% to 29.97% depending on the client rating – this rating differs according to the customer’s borrowing safety rank.

A few scrapes and bumps

The good news is that we also aid with smaller car loan amounts, as low as $200, to finance those unexpected vehicle repairs, maintenance, or odd jobs that need to be done.

Apply for a loan the process is quick and easy and your car can be sent to the repair shop and you will be back on the road in no time.

Ideal for emergency situations

What makes Pronto finance great is that your emergency loans can be arranged fast – or pronto, you might say! Within 9 minutes loan applications can be processed and approved and it’s all thanks to our automated systems.

In fact, we are so sure of our policy that we will even pay your first month’s repayment if our processing time is longer than the guaranteed 9 minutes.

Pronto Finance – Car loan

  • Loan Type Car finance
  • Interest Rate 11.97%
  • Loan Amount up to $20,000
  • Decision 9 minutes

Benefits of Pronto Finance

  • Low-interest rates
  • Quick online loan application
  • Affordable loans

Car loan calculator

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

Change your life with a four-minute application

Pronto Finance has not only ensured that our automated system reduces the overall turnaround time of your loan to 9 minutes, but we have also simplified and optimized the application to ensure it can be completed in a meager four minutes. Grab a cup of coffee and sit down in front of the computer – it will all be over before you know it!

It’s as easy as 1, 2, 3, 4!

While most financial lenders have complex application processes, at Pronto we like to keep matters simple. You can have your car loan application sorted out in four easy steps. All you need to do is follow these easy steps:

  • The complete online application
  • The loan application is assessed
  • Digitally sign the documentation
  • The car loan is paid into your account.

A few simple requirements

Before applying for one of our car loans, there are a few requirements that you need to meet. If you are not certain whether or not you qualify, you can always complete the application or give our customer service people a call!

All applicants should be:

  • Over the age of eighteen
  • A New Zealand resident
  • Employed full-time or part-time
  • Able to produce all relevant documentation

We even accept applications from those with less-than-perfect credit so do not let your credit rating be a hurdle – if it comes to it you can always arrange a joint application or a bad credit loan online.

What you will need for a Pronto loan

There are a couple of documents and administrative formalities that will need to be dealt with along with your application. When you apply for a car loan you should ensure that you have the following documentation is available:

  • Valid driver’s license
  • Bank account number and 90 days of income and expense statements
  • Vehicle registration plate
  • An active mobile number and email address – for contact purposes

The matter of collateral

Because you are going to be applying for a car loan, collateral is not as complex in this situation as it can become with other loan types. The vehicle that you are using the finance to obtain will be offered as collateral until the final repayment is made on the car loan.

man holding thumbs up

Pronto Finance is a trusted & reliable provider of car finance

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: FSP417766

Customer Reviews & Testimonials

October 2019

Pronto Finance has the lowest interest rates

Lydia D
— Nelson —

June 2019

It was very easy to apply for a car loan with Pronto Finance

Anthony T
— Wellington —

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