Rating based on 85 reviews

Instant Finance


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

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Instant Finance homepage

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

About Instant Finance

Instant Finance is a reputable financial services provider that has been providing quality personal loans to the general public since 1971.

Over the past 45 years, we as a New Zealand lender, have managed to establish ourselves in the community. Over time we have created a nationwide network of 25 Instant Finance branches that are strategically placed so that people all over the country will be able to visit our stores.

A personalised loan service

At Instant Finance we value quality personal service. We have around 150 fulltime employees, who will personally assist you and provide you with information on our various loans and help you get the quick cash loan you need.

Instant Finance Services

At Instant Finance we offer our clients a variety of lending services ranging from quick cash loans to general personal loans, like car loans and home loans.

We understand that unexpected bills can sometimes make it hard to manage your money. Additional medical bills take a huge chunk out of your disposable income. An affordable quick cash loan from us will get you the money you require.

Convenience is key

You can borrow anything between $200 and $20,000 from Instant Finance and repay it in a maximum term of three years – but you also have the option of a quicker loan repayment term.

Instant Finance Quick loan

  • Loan Type Quick loans
  • Interest Rate 19.95 – 29.95% p/a
  • Loan Amount up to $20,000
  • Repayment 4 weeks to 3 years

Benefits of Instant Finance

  • Apply with a bad credit score
  • Affordable loan deals
  • Fair lending

With Instant Finance you can apply for a loan anytime, day or night

Instant Finance is a trusted New Zealand lender that that specifially cater for Kiwis.

Being in business for the past 45 years and having survived the 2008 financial crisis has proven that Instant Finance is a trusted lender that can help you find a loan at an affordable price.

Apply online at Instant Finance

Applying for an easy quick cash loan on the Instant Finance website is unbelievably easy as you simply need to click on the ‘Apply Online’ option that can be found under the personal loans tab.

You will then need to enter basic details, such as personal information, the amount you wish to borrow, what you would like to use the loan for, whether you would like to place security on your loan and if so, what form of security, your name and date of birth, for example.

Simply submit the loan application and wait to get feedback on your quick cash loan – this should not take long at all and then if you are approved then the money will be deposited into your account. 

Customer Reviews & Testimonials

Fastest approval rates I’ve seen yet.

Stephanie D.
— Ashburton —

The consultant was very friendly and guided me every step of the way. My loan was approved within an hour.

Evelyn O.
— Tauranga —

Very happy with the service Instant Finance provided: a speedy online application process and approval rates of less than two hours.

Melissa F.
— Dunedin —

Instant Finance Contact Details

Contact Number


  • not available


Physical Address

Postal Address

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

Opening Hours

  • not available