Finance Loans

Finance Loans is a Registered Financial Service Provider / FSP480586

About Finance Loans

If you're looking for a quick cash loan that you can take out entirely online without having to leave your house than we're the perfect lender for you.

We care about our customers and conduct individualized affordability checks to ensure we abide by the industry's best practice guidelines.

Responsible Lending Practices

Finance Loans is a registered lender and is committed to maintaining its responsible lending practices by ensuring all customers can afford the short-term credit they are applying for. We do run credit checks as required and will only lend you as much as you can comfortably afford to repay.

What Finance Loans can offer you

We don’t like to get too technical or use language that our customer will misinterpret or not understand so we keep things simple and will always be transparent about what you need to apply, how much we can offer you and what we will charge you for that particular personal loan amount.

Borrow up to $5,000

At Finance Loans we offer both secured and unsecured fast cash loans that customers can apply for and obtain entirely online. We also have flexible loan terms which means that you can choose a term that ranges from 4 weeks to 12 months to suit your budget.



In a Nutshell

  •  Loan minimum NZ$300
  •  Loan maximum NZ$5,000
  •  Loan term minimum 4 weeks
  •  Loan term maximum 12 months
  •  Average processing time 2 hours
  •  Online application
  •  In-store application
  •  Unsecured loan option
  •  Secured loan option
  •  Bad credit consideration
  •  Early repayment


Getting Approved with Finance Loans

If you've been denied a loan by a bank or other online lender, we may still be able to provide you with a short-term loan and welcome you to make an application with us.

We approve applicants based primarily on their income and expenses which should balance out to make room for the loan repayments.

Our Loan Application Requirements

To apply for a loan you must be able to provide proof of address, 100 points of ID, a document verifying your address and 3 month bank statements. In addition, we require you to be over 18 and employed in a full time position where you earn a stable monthly income to ensure affordability.


Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Self-employed
  •  Credit check
  •  Can you provide security
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Debt Consolidation Loans
  • Holiday Loans
  • Home Improvement Loans
  • Wedding Loans
  • Secured Loans
  • Unsecured Loans
  • Vehicle Loans

Contact Details

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