Rating based on 32 reviews

Pronto Finance

  • Short-term loans up to $20,000
  • Low-interest up to 11.97%
  • Repayment up to 5 years

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

About Pronto Finance

Looking for a short-term loan that meets your needs but won’t do damage to your budget?

Pronto Finance offers quick loans that can meet your cash need quickly and easily. They are a reliable, modern and transparent online loan provider that consistently deliver excellent customer service to Australians.

With a complete loan application online and quick digital signature technology, customers are happy to recommend their services to anyone who needs it.

Apply for a loan in just 4 minutes

With Pronto, you can get a loan of between $200 and $20,000 by completing a 4-minute online loan application. This application flows smoothly and is easy to complete whether you’re applying for a loan alone or with your partner.

A flexible lender

Early loan repayment has a number of benefits that includes being able to clear up debt fast as well as saving money.

While most lenders penalise you for repaying your loan early, Pronto Finance actually encourages it. They also don’t charge any early loan prepayment penalties! This gives you the freedom to repay when you want to while saving on interest.

Maximum Annual Percentage Rate

As a transparent lender, Pronto has made a complete list of their interest rates and fees and have a maximum APR of 28.57%. This maximum figure is slightly below the maximum as specified by the CCFA (Credit Contracts and Consumer Finance Act).

Pronto Finance Services

Applying for a short-term loan with Pronto Finance is not only simple and quick but you’re guaranteed to get your cash in 9 minutes or less!

Forget complicated peer-to-peer loans that require a perfect credit score and apply for a short term loan that meets your needs and stays within your personal budget limits while giving you the freedom and flexibility to repay early and save.

Flexible repayment terms

Pronto Finance prides themselves in providing New Zealanders with loans that are fairer than those options offered by other lenders.

Their maximum APR sits at 28.57% and they list all of their fees and rates in a clear and simplified manner on their website so that consumers receive the information they need to make an informed borrowing decision.

Short-term loans from pronto can be used for anything from changing tyres on your car to purchasing a new fridge when yours has packed up.

Larger loans requiring collateral

In addition to short-term loans, Pronto Finance also offers secured loans online that can be used to purchase a vehicle.

These loans will be secured on the vehicle being purchased and can go up to as much as $20,000 with loan terms up to 5 years. By applying for secured loan customers are able to secure lower interest rates.

Pronto Finance – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 11.97%
  • Loan Amount up to $20,000
  • Repayment 26 weeks to 5 years
  • Decision 9 minutes

Benefits of Pronto Finance

  • Get a loan in 9 minutes
  • Quick online loan application
  • Affordable short-term loans
  • Sign the loan contract online

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.

A 4-minute short-term loan application

When it comes to short-term loans most people are looking for speed and convenience. At Pronto Finance you’re not only receiving this but also fairer interest rates which are based on their unique client scoring system.

As a 100% New Zealand owned and operated lender, you can rest assured that by choosing Pronto as your preferred lender you’re boosting our economy and supporting a local business. Pronto is a registered Financial Services provider that offers affordable and flexible short-term loans online to New Zealanders.

Lower rate loans with a Pronto client rating

Pronto Finance has a unique client rating system that scores clients based on their repayment history as well as a range of other factors such as updating personal information and a change to your income. For those with a Pronto client rating of 1000 and above you can enjoy annual interest rates of 11.97% or less.

Pronto Finance prides themselves on their quick online loan application designed to take only 4 minutes. From providing your personal information to uploading your documents everything has been designed to be as quick and simple as possible.

Rates 5-star Shopper Approved rating

Based on 470 individual ratings, Pronto Finance has received a 5-star rating on Shopper Approved and continues to impress customers with excellent rates, lower fees, excellent customer service and quick turnaround times.

Why choose Pronto?

Pronto is a lender that you can rely on to offer you a short-term loan that comes with a fair interest rate and can be obtained entirely online quickly and easily. They are a responsible lender and always encourage customer to ensure that they only borrow money when they really need it and for good reason.

You can visit their website and use their sliders to decide on the optimum loan amount and loan term for your specific needs. They are also environmentally conscious and aim to avoid paper in whatever way they can by using digital technology so there’s no printing or posting.

man holding thumbs up

Pronto Finance is a trusted & reliable provider of short-term loans

In our review, Pronto Finance adheres to the compliance criteria in accordance with the Credit Contracts and Consumer Finance Act 2003, where the granting the loan will not cause financial distress to the consumer.

✅ Pronto Finance is a registered credit provider in New Zealand: FSP417766

Customer Reviews & Testimonials

November 2019

Get a quick cash loan with Pronto Finance, I applied and got my money almost immediately

Vanessa L
— Auckland —

October 2019

I needed a short-term loan fro car repairs and I was pleasantly surprised by how quick my loan paid out

Melani P
— Nelson —

Pronto Finance Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed