Rating based on 60 reviews

Finance Now


  • Instant 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 April 17, 2018]

About Finance Now

Finance Now was founded in 2000 and quickly became a trusted lender that provides quality instant cash loans and a variety of other personal loans and business loans to New Zealanders.

We form part of the Southland Building Society Bank, which was established in 1869 and is currently New Zealand’s largest building society.

Tried and trusted by NZ

Southland Building Society Bank received bank registration in 2008 they and ever since then, they have been trusted finance providers for people all over New Zealand.

The fact that we are completely owned and operated by locals, enables us to fully understand the needs of our born and bred Kiwi clients and we offer an experienced and personal service; it is what we stand for. Over the past 17 years, Finance Now has been able to help 320,000 New Zealanders obtain personal loans for the things they need.

Finance Now Services

What we have done, is invested a great amount of effort in order to ensure that we offer loans that are designed to finance a range of situations and we have designed each one to cater specifically to local New Zealanders.

Our loans can be repaid over both short and long term – either way, we will give you a great deal, and deposit the funds into your account in no time.

Competitive interest rates

As we make use of a combination of our resources in order to offer our clients highly competitive interest rates on their instant loans. We will do everything in our power to ensure that you get the best deal when you borrow from Finance Now.

Our short-term loans can be repaid over a minimum time period of six months. We differ from many other lenders in the sense that we do not have a low limit on our affordable personal loans. You can borrow up to $20,000 and repay it over the next six to12 months. You will also have the option of repaying the loan over a longer period, which can be up to 60 months.

Finance Now Product Details

  • Loan Type Instant loans
  • Interest Rate 12.95 – 29.95% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 5 years

Summary of Services

  • Flexible repayment terms
  • Competitive interest rates
  • Affordable instant loans

Need an instant cash loan today? Get in touch with Finance Now

As a reputable lender, they have proved to us, why it is important for a company to have local roots.

Their team of financial experts are not only employed by New Zealanders – they are New Zealanders. We have a great appreciation for lenders who are local and as a result, gives their clients a more accurate and quality service, in terms of their instant money loans and personal loans.

Easily apply online today

You will easily find an online loan calculator where you will be able to specify the details of your instant cash loan. This includes the amount you wish to loan, the period, over which you would like to repay the loan as well as the interest rate you wish to receive. You will then be provided with suitable information on the repayments. Once you have investigated your lending options at Finance Now, you can visit their online application where you can apply for a loan online in mere minutes.

Secured or unsecured loans

When you apply for an affordable instant cash loan, you will have the option of applying for an unsecured loan or you can apply for a secured loan, which is backed by collateral. Your collateral will depend on the size of the loan that you wish to apply for. Therefore, if you apply for a substantial loan, you might have to place a very large asset such as your house as collateral, however, smaller sized loans can be secured by a piece of machinery or a car.

Customer Reviews & Testimonials

When I came across Finance Now's website, they advertised fast approval rates. And man, they weren't kidding! I received a notification after only two hours. Happy with the experience.

Franklin S
— Gisborne —

I'm a single mother of two young children and a teen that eats as if he has a hollow pit in his stomach. Times are hard at times, and living from one paycheck to the next doesn't always cut it. M...

Abdullah M.
— Christchurch —

All the information you need right at your fingertips. No hidden costs or peppy consultants trying to sell you something you don't want.

Liam P.
— Rotorua —

Finance Now Contact Details

Contact Number



Physical Address

  • 114 Dominion Rd, Mount 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