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

About Instant Finance

Access quick cash with their fast, online approval process.

They have been assisting New Zealanders with their quick cash requirements for nearly 50 years now, with quicker and easier lending. Get the ball rolling on the cash you need and apply online anywhere, anytime, 24 hours a day, seven days a week, in just a few minutes. Use their online loan calculator to get a better idea of what your loan repayment, rates, and terms could look like.

Access quick cash with Instant Finance

You can borrow from as little as $200 all the way up to $20,000 over a term between 3 and 36 months and repay the installments either monthly, fortnightly, or weekly.

Instant Finance is the perfect option if you need to apply for cash without leaving your couch. It is a win, win to apply online as you don’t only save time on applying, but this also speeds up the processing time. They have a customer care number you can call during working hours if you have any questions.

You can also apply at one of their 26 branches across New Zealand if you prefer face-to-face assistance with their friendly and helpful staff that can answer all your questions on the spot. Visit their branch page to find the closest branch to you.

Instant Finance Services

Whether you need cash for wedding costs, an important birthday, funeral, reunion or to pay an urgent bill.

They can assist you with the quick cash you need to keep you on track. They offer affordable loan repayment plans with fixed-rate quick loans with interest rates between 19.95% - 29.95% per annum.

Get the support you need from their friendly team of experts when you apply for a quick loan between $200 and $20,000. Once approved, you will be able to access your funds within 24 hours!

Quick, easy, and reliable car loans

If you don’t have the funds to buy a reliable car, Instant Finance can assist you with competitive finance options and they can even introduce you to Easy Driver, a sister company of theirs. 

Home improvement loans with low installments 

Whether you have a DIY project that you have been postponing for a while now or if you need to fix constructional damage, buy furniture, phones, whiteware, or more, they can assist you.

Travel loans for all your travel expenses

If you are planning a holiday or you need to make an emergency trip for family reasons, their quick and easy loan process can help get you on your way.

Instant Finance – Quick loan

  • Loan Type Quick loans
  • Interest Rate 19.9529.95% 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

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.

Instant Finance – Apply for a loan anytime, day or night

You can apply in just a few minutes by filling in the online application form or you can visit your nearest branch to get face-to-face assistance. 

Make the process quicker 

  • A valid ID – a current New Zealand Drivers Licence or Passport will do.
  • Proof of income – a bank statement, or if self-employed, an annual return.
  • Proof of your address – a tenancy agreement or a recent utility bill like a telephone or power bill in your name.

Make sure you are

  • Over 18 – if you are still underage, they can talk to you with a parent or guardian to see how they can assist in the meantime.
  • Living in New Zealand – You need to reside in New Zealand and be a resident or a citizen.
  • Have a Photo ID – if you are not a resident, they will ask for your Passport or they will need to see your NZ Drivers Licence or a Kiwi Access/18+ card.
  • Able to afford the loan repayments – they will assist with working out a perfect finance solution for you that you can afford according to your budget.

Benefits of applying with Instant Finance

  • Earn rewards when referring a friend
  • An online loan NZ application process that is quick and hassle-free
  • Affordable loan repayment plans
  • Fast funding
  • Enjoy a personal service
  • Transparency
  • A friendly and helpful support team that is ready to assist you
  • Online or face to face assistance

Debt consolidation loans to pay off loans fast

Get instant relief from debt such as store cards, credit cards, hire purchases, and other loans that are piling up on you by consolidating all your debt into one manageable and affordable loan with Instant Finance.

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

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