Rating based on 21 reviews

Finance Now


  • Quick loans up to $20,000
  • Low-interest starting from 12.95%
  • Repayment up to 5 years

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Author Finance Now. Screenshot of Finance Now website. [Accessed September 13, 2021]

About Finance Now

For over 10 years in the industry, Finance Now has served more than 320,000 New Zealanders.

Our finance company was established in 2000. It is locally owned and operated. It is dedicated to providing online loans in NZ to individuals and businesses.

A variety of secured & unsecured loans

We are part of SBS Bank and this enables us to tap on highly valuable resources. What makes us different is that we focus on your individual situation and needs and not just on your income and credit rating. We make the loan application process as convenient and comfortable as possible. Our dedicated team of financial experts are here to assist you with every aspect of borrowing.

Finance Now practices responsible lending as per the Banking Ombudsman Scheme.

Finance Now Services

The personal loans of Finance Now are designed to meet your immediate financial needs in an effective way.

Whether you need to pay for the home renovation, family holiday or a wedding, we can assist you fully.

Our loan terms

You can select a term from 6 months to 5 years. A longer term will result in smaller regular payments while a shorter term will enable you to reduce the interest which you need to pay. You can make weekly or monthly payments on the loan depending on your income inflow and on your spending pattern. We provide both secured and unsecured best rate personal loans. If you place an asset as security, the interest rate will be lower.

Finance Now Quick loan

  • Loan Type Quick 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

  • Affordable quick loans
  • Competitive interest rates
  • Fast loan payouts

Anything is possible with a quick cash loan from Finance Now

Finance Now provides loans in New Zealand to use as you please.

Is there something you need at this very moment?

It may be another car, a family occasion, home re-designs, critical repairs... whatever it is, we can offer assistance. With really competitive loan fees, adaptable terms and instalments to suit your pocket, anything's possible with a quick loan from Finance Now.

Utilize our loan calculator to work out your reimbursements and how much you can comfortably afford.

Financing costs for individuals

Things you ought to know: Finance Now's typical loaning criteria and advance terms apply. Reimbursements demonstrated are characteristic and incorporate a $275 application charge and a $10.50 month to month administration fee. Full exposure of the terms of your fast cash loan will be given to you before your loan application is completed. Instalment Protection Insurance (PPI) is discretionary and has NOT been incorporated into the instalment fees.

Choose your loan type

  • An unsecured loan means there's no requirement from you (the borrower) to give any insurance or security to an advance. Ordinarily, this implies the sum you can obtain is less and the financing cost charged is slightly higher than a secured advance.
  • A secured loan is one where you (the borrower) promises/gives some security (like a vehicle or property) as security for the advance. Giving security can offer you some assistance with borrowing a bigger sum and decrease the loan fee we offer.

We are a completely New Zealand owned company offering you the decision of unsecured individual advances and secured individual advances. You can apply online, it just takes a couple of minutes and it's so easy and quick to finish. When you've completed, we'll fill you in as to whether you've been endorsed and get in touch with you to orchestrate instalment and the culmination of the agreement.

Customer Reviews & Testimonials

The online application process wasn’t so easy, but the friendly consultant helped me through everything. Very happy.

Hester W.
— Hastings —

Short and sweet application process and it can be completed online as well. My loan was approved in less than an hour and I received the money shortly thereafter.

Eve B.
— Whakatane —

Finance Now Contact

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