Rating based on 54 reviews

Pronto Finance


  • Instant loans up to $20,000
  • Low-interest up to 11.79%

In-page navigation

Pronto Finance homepage

Author Pronto Finance. Screenshot of Pronto Finance website. [Accessed May 1, 2020]

About Pronto Finance

Pronto Finance are a 100% New Zealand owned company that aim to offer competitive instant cash loans to New Zealanders online. Their loans are competitive and can be tailored to suit not only your borrowing needs but your repayment capabilities.

With loans terms from 3 months up to 5 years, you can choose a longer loan term if you’re on a tight budget or choose a suitable loan term and rest assured that you can repay early with no penalty. Their loans are quick, affordable and tailored to your individual needs.

Fairer finance that you can trust

Pronto is big on being a fair lender. Not only are they a registered Financial Services Provider but they offer low rate loans that you can rely on to handle any financial emergency.

This is because they have a unique “client rating” system which assigns a value from 0 to 1,000 which determines the interest rate that you will be charged. Each time that you take out a new loan your client rating will be reassessed to ensure you get the most appropriate client rating and therefore interest rate.

Summary of client ratings and associated interest rates

  • 1000 or more – 11.97%
  • 800 to 999 – 14.97
  • 600 to 799 – 17.97
  • 400 to 599 – 20.97%
  • 200 to 399 – 23.97
  • 0 to 199 – 26.97

Those with high ratings will benefit from lower interest rates while bad credit borrowers will be charged a higher interest rate. To get started all you need to do is use the loan sliders on Pronto’s site and chose your ideal personal or short-term loan amount and repayment amount and payment frequency. Repayment frequency can be monthly, fortnightly or weekly.

Pronto Finance Services

Pronto Finance offer personal loans that range from $200 to $20,000 with loans terms of up to 5 years. These loans can be obtained online via a quick and easy online loan application that takes just a few minutes to complete.

Once Pronto has assessed and approved your loan application all you need to do is simply sign your loan agreement and your loan will be in your account in 9 minutes or less!

Pronto instant loan uses

Pronto Finance’s range of instant loans can be used for just about anything. From buying a vehicle to paying an overdue bill, their wide range of loan amounts and repayment terms allow New Zealanders to use the loans for just about anything.

That being said, customers who are experiencing financial hardship or who have a poor credit history may not qualify for a competitive loan. The higher the interest on your loan the less it would make sense to use the money to repay existing debt or consolidate debt.

What a Pronto loan will cost you

  • You will be charged an interest rate that will range from 11.97% to 29.97%
  • There is an establishment fee which is charged based on your loan amount
    • Loans of $200-$499 - $160
    • Loans of $500-$999 - $260
    • Loans of $1,000-$20,000 - $360
  • A weekly admin fee of $4.09

There is also a default interest rate that will be charged on the outstanding loan balance which is 17.5%. When it comes to repayments, the required amount will be automatically debited from your account which not only makes it easier for you but prevents you from forgetting to make your repayments.

Pronto Finance Instant loan

  • Loan Type Instant loans
  • Interest Rate 11.79%
  • Loan Amount up to $20,000

Benefits of Pronto Finance

  • Get a loan in 9 minutes
  • Quick instant loans
  • Quick online loan application
  • Faster loan processes

Instant online loans at competitive rates

While instant cash loans are not new to the New Zealand market, instant cash loans that come at highly competitive rates are. If you’re a customer with an excellent repayment history and are assigned a good client rating by Pronto, you can enjoy prime rates as low as 11.97%.

Requirements to apply for a Pronto loan

  • You must be aged 18 or older
  • You must be an NZ resident
  • You must be earning a stable income but they do not have a set limit
  • You must complete their online loan application
  • You must provide a suitable photo ID

How to make your loan application

As an instant loan provider, speed and efficacy are very important to Pronto. Their quick online loan application can be completed in just minutes. This is because the application only gathers the crucial information required to process your loan application and does not repeat questions.

Bad credit loans available

While Pronto offer low rate loans for customers who have high client ratings and are therefore good at managing their debt and making the required repayments, they also offer bad credit loans. These are loans that come at higher interest rates due to the borrower’s adverse repayment or credit history.

While Pronto offers bad credit loans, all borrowers are still required to have a credit check performed in order to assign a credit rating. In addition each time that you need a loan you will have to make a new loan application. This is to ensure that the lender gathers all the latest information regarding your finances.

Customer Reviews & Testimonials

August 2019

Pronto Finance has quick and easy loans

Lesley V
— Lower Hutt —

August 2019

I got my money instantly when I applied for a loan with Pronto finance

Micheal F
— Auckland —

Pronto Finance Contact Details

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