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

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

About Finance Now

Finance Now is changing the lives of New Zealanders for the better as a trusted provider of personal loans for bad credit.

The credit provider forms part of the Southland Building Society Bank which was established in 1869. Therefore its bad credit loan offerings come with an unrivaled reputation in the market. Since 2000 they have been a trusted long and short-term finance provider for people all over New Zealand.

Bad credit loans putting Kiwis back on track

The credit provider is a totally New Zealand-run operation and is familiar with the needs of its locals when it comes to bad credit loans. Whether it’s an easy loan for bad credit or a loan to run a business, Finance Now has a plan that suits the particular needs of each and every client.

The credit provider prides itself on the fact that its main goal is to provide citizens with only the best financial services. Over the past 20 years, Finance Now has been able to help 320,000 New Zealanders obtain financing for various projects that have set them on the road to financial freedom.

Top-class service for Kiwis 

 Finance Now lives up to its billing of being a  financial services provider that’s run by New Zealanders for New Zealanders. This online financial service provider has a reputation for excellent standards of service when it comes to the personal loans market, including bad credit loans.

Professional staff is always on hand to assist each and every client with their bad credit low rate personal loan needs. A feature of their bad credit loan offerings is low-interest loans. Short-term loans start from NZ$20,000 which are subject to the low interest of 12.95% Repayment terms on their loans for bad credit are for a period of up to 5 years.

Finance Now Services

Finance Now is proud of its speedy bad credit personal loan services and exceptional service standards.

With an established footprint in the sector, the staff is trained in all aspects of the Finance Act.

What clients get with personal loan services in New Zealand:

  • Loans can be repaid over both short and long terms
  • Funds can be deposited into the client’s account in double-quick time.
  • Clients have several loan options, such as secured and unsecured loans.
  • Finance Now offers low interest.
  • Quick loans can be repaid over a minimum period of six months.

Secured loans for bad credit 

Finance Now clients can borrow up to NZ$20,000 and can request a repayment period of up to 60 months. Finance Now makes it easier for clients who have an asset, such as a car or property to acquire a loan. This can be put down as collateral that is a “cover” for the bank’s granting of a loan. A secured loan allows a client to borrow even more.

Secured loans offer the following

  • With these loans, the company can provide a loan for more than the asset that is provided.
  • These secured loans can reduce the rate of interest on the loan.
  • Once the online application is approved, it can be in the client’s account in next to no time.

Finance Now – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 12.9529.95% 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

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.

Apply for a loan with Finance Now today

Finance Now online loan calculator helps applicants to assess whether they can afford any loan for Bad Credit.

By simply clicking on the loan calculator link the applicant can enter the amount required (up to NZ$20,000). The client can then choose the repayment terms which are monthly or fortnightly.

The applicant simply hits the apply button and a staffer, on receiving the information will respond immediately to discuss the application. Finance Now is an Associate Member of the Financial Services Federation and is a participant of the Insurance and Financial Services Ombudsman Scheme. 

Debt consolidation for bad credit woes

Many New Zealanders may find they are battling to pay debts such as credit cards and retail debt. However, they need not worry because they can request Finance Now to consolidate their various debt commitments into one manageable sum.

This has the effect of freeing up money for other daily needs or projects they have planned if the credit provider can negotiate the debt into one manageable amount. Finance Now's competitive rates for debt consolidation loans could mean that monthly repayments will be even lower than what clients are currently paying. The advantage of debt consolidation is that clients can improve their credit scores if they stick to the terms of the agreement.

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

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