Instant Finance

About Instant Finance

Alternative online lenders are generally used by people who are blacklisted and cannot qualify for the competitive personal loan offered by the country's banks.

At Instant Finance we offer the best of both worlds and serve those who have excellent credit as well as those who have had a few bumps along the way.

Why you Should Choose Us

In addition to all the other great reasons to choose Instant Finance, you can rest assured that you'll receive only the best customer service when dealing with any of our representativesand applying for finance. We have dedicated employees and over 40 years of experience in the industry - all this which will be put to work for you, our customer.

What Instant Finance can offer you

With so many genuinely good reasons to choose Instant Finance - we've found that our customer base is ever increasing - just as our customer satisfaction rates.

When you choose us you're choosing a finance partner that strives to get you where you want to go.

Get your Secured Loan Today

We offer only secured personal loans which range from $500 to $20,000 and above. Our interest rates range from 19.95% to 29.95% per annum and we have loan terms which stretch from 6 months to a maximum of 3 years. We tailor loans to meet the needs of customers and will always consider you as an individual.

In a Nutshell

  •  Loan minimum $500
  •  Loan maximum $20,000
  •  Interest rate From 19.95% to 29.95% per annum
  •  Loan term minimum 6 months
  •  Loan term maximum 3 years
  •  Average processing time 24 hours
  •  Online application
  •  In-store application
  •  Secured loan option
  •  Bad credit consideration
  •  Early repayment

Our Loan Application and Rates

There is absolutely no reason that you have to accept subprime rates and loans because you've missed a payment or two in the past.

We will consider your payday loan application on an individual basis and ensure that you get the loan that you want and need.

Applying and Getting your Loan Agreement Form

Once you've completed the loan application form and sent through your ID, proof of address, pay slips and bank statements we will process your fast loan application and send you a loan agreement form which will contain all of the necessary information including the interest rate and term.

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Earning a stable income
  •  Credit check
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Personal Loans
  • Cash Loans
  • Online Loans
  • Car Loans
  • Money Loans
  • Instant Loans

Contact Details

 Visit Website Apply Directly


 Physical Address

  • 3/11 Goulding Ave, Hornby, Christchurch, Canterbury, 8042, New¬†Zealand

 Postal Address

  • P.O. Box 11427, Ellerslie Level One, Building B, 600 Great South Road, Greenlane, 1051, New¬†Zealand

Opening Hours

  •  Monday 08:30 – 17:00
  •  Tuesday 08:30 – 17:00
  •  Wednesday 08:30 – 17:00
  •  Thursday 08:30 – 17:00
  •  Friday 08:30 – 17:00
  •  Saturday Closed –
  •  Sunday Closed –