Rating based on 40 reviews

Finance Loans

  • Short-term loans up to $5,000
  • Low-interest starting from 12.95%
  • Repayment up to 12 months

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Finance Loans homepage
Author Finance Loans. Screenshot of Finance Loans website.
[Accessed March 3, 2023]

About Finance Loans

Finance Loans offer New Zealanders one of the most transparent, reliable and affordable lending services on the market.

Unlike other payday lenders we offer customers larger payday loan amounts, clearer terms and quicker turnaround times. We also provide a faster and more personalized service than our larger mainstream competitors. If you're looking for a loan product that can be flexible enough to meet your unique needs you'll find it at Finance Loans.

Top-class customer service

We're a direct, transparent and fair lender that makes lending and finance simple. We speak to our customers in a way that is honest and easy to understand.

Finance Loans have no hidden fees, fair interest rates, flexible loan amounts and terms and a team that is dedicated to delivering top-class customer service. We understand our customers and their need to access short-term credit in a way that is effortless and quick and we strive to meet this need.

Finance Loans Services

Finance Loans offers customers short-term loans of between $300 to $5,000 and a loan term that ranges between 4 weeks to 12 months.

For those who wish to get an unsecured loan we offer $300 to $2,000 and a loan term of between 1 and 30 weeks and for those which wish to apply for a secured loan, we offer between $2,000 and $5,000 and a loan term of up to a year.

Pay bills or buy furniture - it's your money!

Customers can use our payday or a low rate personal loan to purchase a new car, buy appliances or furniture, pay for a wedding or just catch up on late bills - whatever you need the cash for, we have a loan amount and repayment schedule to suit your needs, income and pay schedule.

Applications can be completed online and you can have your quick loan sent to you on the very same day. 

Finance Loans – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 12.9529.95% p/a
  • Loan Amount up to $5,000
  • Repayment 4 weeks to 12 months

Benefits of Finance Loans

  • DEBT Consolidation Loans
  • HOLIDAY Loans
  • HOME Improvement Loans
  • WEDDING Loans
  • SECURED Loans
  • VEHICLE Loans

Short-term loan calculator

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

At Finance Loans you will get the best deals on short-term loans

Finance Loans is a reliable, versatile and transparent provider of short and medium term loans. Our entire business is based on speed and efficiency - so we try and attend to our customers quickly and professionally each and every time no matter how small or how big the loan amount may be.

No credit check payday loans

If you're thinking about taking out a personal loan the first thing you have to determine is whether you want to take out a secured or unsecured loan. Payday loans that are typically below $600 and are unsecured - Finance Loans provides payday loans that are unsecured and will typically not run a credit check or require you to have a good credit history.

Vehicle or holiday loans - we're flexible

If you want to borrow a little more (up to $2,000) and have a good credit score you typically don’t need to provide security and can find great rates by applying with Finance Loans. For vehicle or holiday loans that exceed $2,000 you will generally have to provide some form of security.

Once you decided on how much money you want to borrow and whether this will be via an unsecured or secured loan you can visit our website and complete the online loan application form.

We worked hard to make our application easy and quick - all you have to do is give us your name, basic personal info, contact information and tell us how much you want to borrow, whether you want to provide security or not and what loan term you want. We will then contact you to request any other details and supporting documentation.

What you need to apply

Typically you will need a utility bill or other form of proof of address, 3 months worth of bank statements, your most pay slips and an identity document. Once we've received these we will then work out an interest rate and repayment schedule and compile a loan agreement. Once you've signed the short-term loan agreement we will immediately transfer the money to you account.

It's important to note that we reserve the right to run a credit check where necessary and, that we will never borrow to those who are overly indebted or who cannot realistically be expected to afford the loan repayments.

Our team is ready and standing by to assist you with your loan application and get the money into your account on the very same day - contact us now if you need an affordable, flexible and transparent personal or payday loan. 

Customer Reviews & Testimonials

Happy with the speed and service I’ve received. Friendly consultants.

Yusrah S.
— Auckland —

The consultant who helped me didn’t leave me impressed at all, but I could manage the application process on my own. At least my loan was paid out quite fast.

Kade L.
— Queenstown —

Super helpful consultant explained every step of the application process. Very impressed with the speedy payout.

Darcie-May M.
— Masterton —

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