Instant Finance

About Instant Finance

Instant Finance is a New Zealand owned loan provider that has been providing finance to Kiwi’s since they were founded in 1971.

For the past 46 years, Instant Finance has built a solid reputation that is known for providing superior quick cash loans all over New Zealand.

Building Long Term Relationships

At Instant Finance we have a large customer base, which includes many long-term clients whose families have been using our short-term financing for generations. 

What Instant Finance can offer you

Instant finance provides reputable lending services that are specifically catered to New Zealanders and will help them get over a financial emergency quickly.  

We employ a staff of over 130 people and we are committed to employee welfare, training and individual development.

An Experienced Lender

With over 45 years of short-term credit service experience to the New Zealand community, we are able to offer the absolute best financial services to our fellow Kiwi’s.

In a Nutshell

  •  Loan minimum $200
  •  Loan maximum $20 000
  •  Interest rate 19.95% to 29.95% per annum
  •  Loan term maximum 3 years
  •  Online application
  •  In-store application

How to apply for a loan with Instant Finance?

Despite the 23 Instant Finance branches that can be found all over New Zealand, you can easily apply online if you wish.

Finding time to visit a lender at a bank can be quite difficult when you're also working 9 to 5 on the only days they are open. This is why it is so important that online services are easily accessible.

A Simple Loan Application

Instant Finance has a comprehensive online loan application form that can be completed in no time. Instant Finance has a maximum loan period of 3 years.

The loan application process is easy to complete and Instant Finance will get back to you in order to further discuss the terms of your loan.

Loans from $200

When you apply for a loan at Instant Finance, you will have the option of lending anything from $200 to $20,000.

If you are applying for a short term loan then you will, however, most likely not apply for a substantially high amount.

If you would like to borrow a higher amount, then you can lend the money over a longer time.

Eligibility & Requirements

  •  18 years or older
  •  Employed full-time
  •  Good credit history
  •  Active NZ bank account

Other Products & Services

  • Personal Loans
  • Quick Cash Loans
  • Short Term Loans
  • Car Loans

Here’s a short video about Instant Finance

Contact Details

  •  0800 760 000
  •  (03) 926 2300
 Visit Website Apply Directly


 Physical Address

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

 Postal Address

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