Rating based on 78 reviews

Instant Finance

  • Short-term loans up to $2,000
  • 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 March 3, 2023]

About Instant Finance

Instant Finance is a New Zealand-owned credit lender that is putting communities back on a sound financial footing by providing smaller bad credit loans at affordable rates of interest.

The lender completely understands that many New Zealanders may find themselves in the middle of a credit crunch. They grant loans up to NZ$20,000 to various communities.

Among the leaders of Bad Credit Loans in New Zealand  

Instant Finance can assist New Zealanders who might need easily online bad credit loans through their online portal. With 23 branches spread all over the country, they have built a solid reputation among their client base for the past 46 years. Next to their vast experience in the credit lending market comes dedicated highly trained staff who are available to address their clients' every need.

Needing a cash loan for an unexpected emergency such as a broken-down car, or a leaking roof, or a much-needed holiday? Instant Finance makes applying for a loan, whether it is a bad credit loan or not, a simple and easy task. The credit lender prescribes the rules governing the National Credit Act in New Zealand and therefore clients can rest assured of receiving the best deal for their loan.

Easy online Bad Credit Loans that payout

Instant Finance delivers loan services in a rapid time. If successful, a client who applies for a bad credit loan can have his or her money in the bank account within 24-hours. Through their easy online loans NZ application, they can secure loans for clients from as little as NZ$200 up to amounts of NZ$20,000.

The credit lender offers fixed interest rates of between 19.95% and 29.95% and repayment plans that are tailored to suit every client’s needs. Instant Finance takes pride in the fact that they deliver a professional lending service and are known to give every loan application that “personal touch”. Their highly-trained staff will analyze each loan application with a fine-tooth comb and ensure that successful applicants secure loans that they can afford.

Instant Finance Services

Instant Finance gives clients the opportunity to apply through their fast and efficient online portal or by visiting an office in all the centers where they are located.

Applying online, however, ensures that loan applications can be processed in double-quick time. This is what clients will need when applying for a loan:

  • A valid identity document. A current New Zealand Driver’s Licence or passport is best.
  • Clients will need proof of income. This can be through a bank statement not older than 3-months, or if self-employed, they can furnish an annual tax return.
  • Proof of address. A current rental agreement or a recent utility bill will suffice.
  • If an applicant is planning to use a home as collateral for the loan, the company will also need a mortgage statement.
  • If applying online, clients will need to provide their names, contact details, address and proof of citizenship, and bank statements.

Giving bad credit clients a chance to secure their loan

The experts at Instant Finance believe that every person is deserving of a chance to acquire credit. Instant Finance assesses each and every client’s loan application on a case-by-case basis which means that their staff will exhaust all avenues to assist loan applicants.

A person’s credit score is just one part of the process and professional staffers handling applications will make sure they see the whole picture when handling an application. As responsible lenders, they are also well-positioned to give bad credit loan clients advice on whether to seek debt counseling, if need be.

Setting up a debt consolidation loan to manage any bad debt in one fell swoop will immediately improve a client’s credit standing – and pave the way for a successful bad credit loan application.

Instant Finance – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 19.9529.95% p/a
  • Loan Amount up to $2,000
  • Repayment 6 months to 3 years

Benefits of Instant Finance

  • Quick and easy loan application
  • Fast response
  • Competitive interest rates

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.

We give our clients the best rates on short-term loans

Instant Finance's simple to understand online loan calculator helps speed up the application process.

All the client needs to do is indicate the amount of the loan and adjust the repayment period for the loan accordingly.

Once the information is uploaded, a company staff member will be in touch immediately to discuss the application with the client. The lender may ask the client for some form of security as collateral against the loan. This could be a home, a car, or other valuable personal property that will now take the form of a secured loan for bad credit.

Benefits for bad credit loan clients

Clients who choose Instant Finance can be assured that the company will not turn away anyone before exhausting all options on their loan applications. They are in the game long enough to know that sensitivity to clients’ needs is what wins the day. As a Responsible Lender who complies with the rules of the Credit Act, clients are guided every step of the way in their loan application 

Other benefits

  • Quick and easy short-term loans.
  • An online presence that streamlines loans online applications, with quick turnaround times.
  • Competitive interest rates.
  • Repayment terms from six to 36-months.

Customer Reviews & Testimonials

Received average service, but my application was processed fast. Had the money a couple hours later.

Lillian F.
— Hamilton —

Website was easy to use, the application process was smooth and I was approved in mere moments. My money though, that took 48 hours to be paid out.

Trevor B.
— Palmerston North —

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, 9012, New Zealand

Opening Hours

  • not available