Rating based on 8 reviews

Instant Finance


  • Instant loans up to $20,000
  • Low-interest starting from 19.95%
  • Repayment up to 3 years

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Author Instant Finance. Screenshot of Instant Finance website. [Accessed April 17, 2018]

About Instant Finance

For over 40 years, Instant Finance has been providing high-quality personal loans to consumers in New Zealand.

The finance company, which was established in 1971, is locally owned. At present, it has a network of 23 branches around the country. The company has an excellent reputation as a trusted personal loan provider.

Why our customers choose and recommend us

It has a large customer base which includes many long-term clients whose families have been using the company's financial services for generations. Instant Finance employs a staff of more than 130 people and is committed to employee welfare, training and individual development. The provided instant cash loans are designed to have a low level of risk. They are provided on the basis of sound lending guidelines which have been developed over many years of professional operation.

Instant Finance Services

The instant cash loans of Instant Finance are designed to help you out in all kinds of financial emergencies from urgent car repair to the unexpected dental bill.

If you provide the full set of documents required for making an application, we will be able to process them quickly and provide a same day cash loan.

You can apply online or instore

You can make an online loan application 24 hours a day from any place with a computer and an internet connection. We offer loan amounts from $200 up to $20,000. The maximum repayment term is 3 years. When you come to us, we will provide a loan which matches your circumstances and budget perfectly.

Instant Finance Product Details

  • Loan Type Instant loans
  • Interest Rate 19.95 – 29.95% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 3 years

Summary of Services

  • Apply online, it's quick and easy
  • Affordable repayment plans
  • Loans are approved fast

An instant loan is easy to apply for & you can have the cash within just minutes

Get instant cash loans and personal cash loans in North Shore New Zealand simple and fast.

When you are in a money-related gloom, with no place to turn. We at Instant Finance can help you to get the money you require for those indeterminate times when the monetary needs begin surrounding you.

Our loan offerings are clear

Our fast cash loans are a simple solution when it comes to our client’s budgetary needs. Instant Finance offers a special scope of cash administrations giving quick and uncomplicated administrations to supply financial help to any or all New Zealand’s that require an advance in a short span of time.

Here's the reason our customers get funding with us:

One of the least complex things in regards to our personal cash loans is how straightforward they are! You’ll have the capacity to apply online, or by telephone for quick access to cash in minutes. We mitigate the costs and additional items and get the best rates for you, allowing our transparency to shine through, and our clients know exactly what they are getting, and what all the costs involved will be upfront. Our one of a kind our loan fees are extremely competitive in the industry, making us the first choice once compared to others.

You can contact us to help you through the whole advance procedure

We can advise you on the rates and fees involved, as well as indicate how much you can lend on your given salary. We will adopt the loan accordingly, ensuring They will clarify the amount you are qualified to loan, and what your reimbursements will be including the terms. With Instant Finance, there is no more need to stress over how to pay those ills and auto repairs. We have everything made simple for you. Get approval in minutes and have the emergency cash loan in your account by the very next day when you apply for a loan online.

Customer Reviews & Testimonials

Instant Finance offered me exceptional rates and a repayment term to suit any budget.

Camden B
— Queenstown —

Lovely call staff who were able to assist me with my loan application.

Darrell M
— Tauranga —

Instant Finance Contact Details

Physical Address

Postal Address

  • P.O. Box 11427, Ellerslie Level One, Building B 600 Great South Road, Greenlane, 1051, New Zealand

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed