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

About Finance Now

Get the quick loan you need today, without any hassle.

Finance Now has been assisting thousands of New Zealanders with the greatest financial services and products for more than 20 years now. They have a variety of products available to suit your needs, from retail to personal loans NZ (secured or unsecured) to business solutions.

They are different from your normal high-street banks when it comes to the way they approve applications, as they base their decisions on your ability to pay and previous credit history and not just on the security you can provide.

Getting a loan fast and easy 

Whether you are planning on buying a better car, have some urgent DIY to get done or a special event coming up, they will help you find a financial solution specific to your needs. They have a great support team that is highly experienced and ready to answer any questions you might have; the best part is that Finance Now is a local company owned and operated 100% by Kiwis.

You can either call them on 0800 299 399 or you can choose to submit an online application if you prefer that over a phone call. You can apply online now in just a few minutes and the application form is so easy to complete. As soon as you've finished, they will let you know if you've been approved and contact you to arrange payment and the completion of the contract, it’s as easy as that.

Finance Now Services

Having a financial emergency or maybe you are just in need of cash for a special event that is coming up that you don’t want to miss out on.

Apply online for a loan in just a few minutes for up to $20,000 and enjoy easy repayments either weekly, fortnightly, or monthly. Personalized loans for every budget that can be paid back between 6 and 60 months.

Credit cards – flexible finance options

They have 3 great credit cards to choose from that will provide you with more financial flexibility, options, and rewards.

Reach your business goals with Finance Now

They have a wide range of business finance available that covers items such as office automation equipment, point of Sale and Eftpos equipment, technology and computer equipment, refrigeration equipment, office furniture, and kitchens.

Don’t miss out due to financial limits

Thousands of retail stores across New Zealand use their Credit Sales facility, allowing you to have credit options when you're shopping around. From furniture to home electronics, car accessories, and more.

Get the reliable wheels you need

Whether your car needs a serious upgrade or you are planning on buying your first car, Finance Now is the right place to get the best deal with competitive rates. 

Finance Now – Quick loan

  • Loan Type Quick loans
  • Interest Rate 12.9529.95% 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

Quick loan calculator

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

Anything is possible with a quick cash loan from Finance Now

Finance Now offers you loans in quick and easy steps.

Steps to take when applying

Step 1: It is as easy as taking a few minutes to answer a few questions online, they will then let you know if you’ve been conditionally approved.

You can expect to answer the following questions: 

  • Who you are
  • Where you live
  • Contact details
  • Where you work
  • What you own
  • What you are paying off
  • ID
  • Next of kin

Initial application criteria

Step 1: Before you complete the online loan NZ application, make sure that you meet their initial application criteria:

  • You must be an NZ Citizen or a permanent resident and currently live in New Zealand.
  • 18 or older.
  • Have a fortnightly or monthly income
  • Current proof of identity (Passport or Drivers Licence)

Step 2: Online Pre-approval confirmation

Step 3: A loans consultant will be in contact with you to confirm that all the details you provided are correct and arrange a time to complete the loan documents.

Step 4: Confirmation of your bank account details

Step 5: The loan payment is deposited into your account!

Quick, easy and reliable quick loans

  • Highly competitive interest rates
  • Bendable terms and repayments that will suit your budget
  • Secured and unsecured loans
  • Cash in hand and the flexibility on how you use it
  • Easy repayments that can be made weekly, fortnightly or monthly
  • Tailor-made loans, specific to your needs
  • Enjoy world-class service from a friendly support team

eMoney – giving you more control of your money 

Register and join for free for you to send and receive texts for free, set up payment reminders, review payments, print statements, update your contact details, enjoy a fast approval process, receive special offers, and more.

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