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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Author Instant Finance. Screenshot of Instant Finance website. [Accessed April 17, 2018]

About Instant Finance

Instant Finance is a New Zealand owned lender that has been providing personal loans to Kiwis, since its establishment, in 1971.

For the past 46 years, Instant finance has built a solid reputation that is known all over New Zealand. Over nearly half a century, we have built 23 branches of Instant Finance over New Zealand – covering everything from Kaikohe in the north, to Dunedin in the south. Applying for a loan with Instant Finance is simple as we offer support throughout the country. We are here to assist you in any and every manner possible.

You are more than just a number

We aim to give our clients not only a professional lending service – but a personal overall service. At Instant Finance, we want to give you the best possible short-term loans while respecting each and every one of our clients individual requirements.

Over the years, we have worked at our services to ensure your individual needs are catered for. We know that you are more than just a number, you are a valued customer and so you will be treated. At Instant Finance we have a large customer base, which includes many long-term clients, whose families have been using our short-term financing for generations.

We employ a staff of over 130 people and we are committed to employee welfare, training and individual development.

Instant Finance Services

Instant finance provides reputable lending services that are specifically catered to New Zealanders.   

With over 45 years of service, we are able to offer the absolute best financial services to our fellow Kiwis with a focus on customer service. When you apply for a loan at Instant Finance, you will have the option of lending anything from $200 to $20,000. If you are applying for a short term loan, you won't any better lender. If you would like to borrow a higher loan amount, then we are able to extend your repayment period, with a maximum loan period of three years.

Fixed interest rates

Instant Finance offers fixed interest rates. This is a very desirable feature when you are looking to apply for a loan.

Often, when you apply for a quick loan and the interest rate is not fixed, your repayment amount might increase or decrease, which makes budgeting a little more complicated. With Instant Finance you can work the fixed interest rate into your budget and be sure that it will remain the same for the entire term of your loan. 

Instant Finance Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 19.95 – 29.95% p/a
  • Loan Amount up to $2,000
  • Repayment 6 months to 3 years

Benefits of Instant Finance

  • Quick and easy short-term loans
  • Simple online loan calculator
  • Competitive interest rates

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

Instant Finance has been a leading financial provider in New Zealand for decades and by the looks of things, they will remain a leading financial provider for decades to come.

Being one of the most established and trusted lenders in New Zealand – not to mention one of the few companies that survived the 2008 financial crisis – they have a ton of benefits to offer local Kiwis looking for a short term loan.

Apply easily online

Despite the 23 Instant Finance branches that can be found all over New Zealand, you can easily apply online if you wish. Finding time to visit a lender of a bank can be quite difficult when you are also working 9 to 5. This is why it is so important that online services are easily accessible.

Instant Finance has a comprehensive online loan application form that can be completed in no time. The loan application process is easy to complete and Instant Finance will get back to you in order to further discuss the terms of your loan. At Instant Finance you will receive complete transparency during the negotiations of your personal loan, which include the terms, fees and interest rate.

Instant Finance is a great choice for a lender if you are looking for a reputable company that has been in business for ages and that offer the best fees and rates available. 

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 Details

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