Finance Now

About Finance Now

Putting aside good rates and flexible loan terms Finance Now is one of the only NZ lenders that offers quick approval and also helps people with poor credit histories get the finance they need.

If you want to be treated with respect and obtain your loan quickly than we're the lender you're looking for!

A Technologically Advanced Lender

We're a lender that has embraced modern technology with open arms. Our online lending system allows customer to obtain fast loan approval and complete their applications in just minutes. Although it is our staff that will essentially decide whether your loan will be approved our system will generally make that decision first.

What Finance Now can offer you

Our personal loans are highly flexible and can offer you a large amount of money that can be repaid in a short or long space of time.

This means you can use our loans to pay staff or buy stock and not have to worry about long term debt and commitment if you need a loan for business purposes.

Our Loan Products

We offer quick loans that range from $1,000 to $20,000 at interest rates from 12.95% to 29.95% per annum. Whether you need to consolidate debt or pay for a wedding our flexible loan with terms from 6 to 60 months are ideal.

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

Getting your Cash Loan Online or In-Store

When it comes to applying for finance people get nervous before they even make the first step.

Although this is very common when you use Finance Now you'll find that our whole process is simple and stress-free. Choose a better way to access credit - choose Finance Now.

Been Denied by Another Lender?

If you've been denied a loan by a bank or other online lender, we may still be able to provide you with a personal loan and welcome you to make an application with us. Once you've been approved you need not wait long until we credit the cash to your account.

Eligibility & Requirements

  •  Stable address history
  •  Over 18 but under 65
  •  NZ resident
  •  Employed full-time
  •  Self-employed
  •  Earning a stable income
  •  Credit check
  •  Active NZ bank account
  •  Active email address
  •  Mobile
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Personal 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

  • 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 –