Finance Now

About Finance Now

Finance Now is one of New Zealand’s leading alternative credit providers with one of the largest range of financial products available to consumers.

We are an innovative lender that offers you’re a less stringent lending criteria, flexible terms and decent interest rates that you’ll certainly appreciate.

Our people Care about Quality

Apart from our fantastic rates, flexible products and extensive range of loan types, Finance Now has a team of people that care about quality and strive to deliver only the best quality and customer service. When you deal with us you’re dealing with people who are just like you and who care about your well being and financial success.

What Finance Now can offer you

Finance Now’s website offers consumers a range of nifty tools which can help you figure out what your ideal loan looks like.

You can make use of our advanced loan calculators, find the ideal loan type for your needs and even find insurance products that will fit into your lifestyle and budget.

Debt Consolidation Loans on Finance Now

We offer fantastic rates on our personal loan – which means that they are ideal for debt consolidation. Debt consolidation means combining your smaller, unsecured and high interest debts together and taking out another, cheaper loan to pay them off. We offer secured loans of up to $20,000 at a rate starting from just 12.95% per annum

In a Nutshell

  •  Loan minimum NZ$1,000
  •  Loan maximum NZ$20,000
  •  Interest rate From 12.95% to 29.95% per annum
  •  Loan term minimum 6 months
  •  Loan term maximum 60 months
  •  Average processing time 48 hours
  •  Online application
  •  In-store application
  •  Unsecured loan option
  •  Secured loan option
  •  Bad credit consideration
  •  Early repayment

How to Apply for a Consolidation Loan with us

We recommend that you make your way to our website and use our loan calculators to find out how much you need to borrow to consolidate, how much it will cost and how much you can save.

Once you know how much you need to borrow and how much you can afford to pay a week – you can then apply for your loan online.

Our Basic Eligibility Requirements

At Finance Now we don’t have such strict lending requirements like banks do but, we will require you to provide security for your personal loan. If you cannot provide security yourself we will encourage you to provide a guarantor who can so that you can secure the loan. We require applicants to be over 18, NZ residents and employed with a stable income.

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Credit check
  •  Recent pay slips
  •  Employer to confirm employment
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Personal Loans
  • Secured Loans
  • Unsecured Loans
  • Debt Consolidation Loans
  • Marine Loans
  • Home Improvement Loans
  • Holiday Loans

Here’s a short video about Finance Now

Contact Details

 Visit Website


 Postal Address

  • Finance Now Ltd, 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 –