Rating based on 37 reviews

Finance Now


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

In-page navigation

Finance Now homepage

Author Finance Now. Screenshot of Finance Now website. [Accessed September 2, 2021]

About Finance Now

Finance Now was founded in 2000 and has become a trusted leader in personal loans, retail loans and business loans.

We form part of the Southland Building Society Bank, which was established in 1869 and is currently New Zealand’s largest building society. In 2008 they received bank registration and ever since then they have been a trusted long and short-term finance provider for people all over New Zealand.

Over 300,000 satisfied customers

Over the past 17 years, Finance Now has been able to help 320,000 New Zealanders obtain financing for a number of financing requirements. We make it our goal to provide the local citizens of our beautiful country with only the best financial services.

100% New Zealand

We are a proud New Zealand owned and operated bank. The fact we are completely owned and operated by locals enables us to fully understand the needs of our born and bred Kiwi clients. We offer an experienced and personalised service, specifically designed for New Zealanders. No matter what your financing needs are, we are ready to assist you to obtain your goals.

Finance Now Services

Finance Now offers a large variety of financial services to suit your requirements.

With Finance Now you can find a loan that can be repaid over both short and long terms – either way, we will give you a great deal and deposit the funds into your account in no time. We pride ourselves in offering speedy, reliable financial services. Our clients have a number of loan options, such as secured and unsecured loans.

We offer low-interest rates

We make use of a combination of our resources in order to offer our clients highly competitive interest rates on their loans. We want to help you; while you still enjoy the benefit of your disposable income. Therefore, we will do everything to ensure that you get the best deal when you borrow from Finance Now.

Minimum loan repayment term

Our quick loans can be repaid over a minimum time period of six months. We differ from many other lenders in the sense that we do not have a low limit on our affordable short-term loans. You can borrow up to $20,000 and repay it over the next six to 12 months. You will have the option of repaying the loan over a longer period, which can be up to 60 months

Finance Now Short-term loan

  • Loan Type Short-term 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

  • Competitive interest rates
  • Reliable short-term loans
  • Flexible repayment terms

Apply for a loan with Finance Now today

Finance Now is a reputable New Zealand lender that is completely owned and operated by Kiwis. This makes them far more relatable to local New Zealander looking to get a short term loan from a capable lender.

At Finance Now, you will have the option of applying for an unsecured loan or you can apply for a secured loan, which is backed by collateral. Therefore, the loan amount you apply for will determine the assets you would have to secure the loan with. By securing your loan with collateral, you will be granted a lower interest rate on your loan, which is a much-desired feature when securing a loan. It ultimately lowers the entire amount you will pay back to a lender.

Apply online - it's fast

If you visit the Finance Now website, you will easily find an online loan calculator where you will be able to specify the details of your loan. This includes the amount you wish to loan, the period over which you would like to repay your loan as well as the interest rate you wish to receive. You will then be provided with suitable information on the repayments.

Once you have investigated your lending options at Finance Now, you can visit their online loan application where you can apply for a short term loan online in mere minutes.

Customer Reviews & Testimonials

I’m happy with the service I received. I’m not that bothered by the service, I just needed my loan approved quickly, which I got.

Ayaan S.
— Christchurch —

Really quite pleased with how quickly the loan was approved. The company has my “stamp” of approval!

Lani S.
— Auckland —

Needed a financial boost as my budget didn’t cover some surprise expenses. Thankfully, my loan was approved in moments and the money reflected in my account within hours. I’m very pleased.

Flintan J.
— Wellington —

Finance Now Contact

Contact Number



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