1. Home
  2. Personal Loans

Fast, flexible, and backed by real people

Life doesn’t always go to plan — whether it’s fixing the car, planning a trip, or managing a surprise expense.

At Instant Finance, we make it simple to get the funds you need, with personal loans from $500 to $50,000, flexible repayment options, and friendly service from real people who take the time to understand your situation.

We know everyone's different, so our personal loans are specific to you ­– just like your financial needs. Whatever you need cash for, whether it be a new car, home renovations or even a holiday, we've got you covered.

Car Loan Debt Consolidation Travel Loan Bad Credit Loans Vehicle Loan For Your Home

What is a personal loan and how does it work?

A personal loan is money you borrow from a lender and pay back in regular, fixed repayments over a set time, plus interest and fees.

Unlike a credit card, you borrow a set amount once, and you know exactly what each repayment will be and when the loan will be paid off.

Here's how it works with Instant Finance:

  1. Apply online, by phone or in a branch.

  2. We go through your budget with you, using your bank statements, to make sure the repayments fit.

  3. You get your personalised rate and terms in writing before you sign, and you have time to change your mind.

  4. The money goes into your bank account, usually within 24 hours of approval and acceptance.

  5. You repay weekly, fortnightly or monthly, in fixed amounts. You can pay extra or pay off early at any time, with just a $25 administration fee if you repay the full balance early.

Personal loans at a glance

  • Loan amounts: $500 to $50,000.

  • Interest rates: personalised and fixed, from 9.95% to 29.95% p.a.

  • Loan terms: 3 months to 7 years.

  • Security: smaller loans can be unsecured; larger loans may use an asset, such as a car, as security.

  • Repayments: weekly, fortnightly or monthly.

  • Paying off early: you can do it at any time, with a $25 administration fee if you repay in full early.

  • Credit history: a past credit problem isn't an automatic no. We look at your whole situation.

Concerned a bad credit score or past finance may affect you when applying for a personal loan?

We know that things don't always go to plan, but we're here to help. As a responsible lender, we listen to your unique loan circumstances and can make lending decisions that are both responsible AND fair for you. Find out more about getting a bad credit personal loan.

Our knowledgeable and friendly staff are here to help and will take the time to understand your current financial situation. From there, our team can establish whether a loan is the best option for you and even help you plan a household budget to make sure you stay on top of your loan repayments.

Understanding your personal loan

As a responsible lending company, we want you to be 100% clear about what you’re signing up for. That’s why we’ve broken down everything you need to know about personal loans right here.

  • You can get a personal loan for many reasons, like for a new car, travel, or to consolidate other debt.

  • There are some rates and fees attributed to your loan, but we make everything clear so there are no surprises. Play with our loan calculator to find out more, or read up on our Rates & Fees page.

  • Instant Finance offer secured and unsecured personal loans. The type of personal loan would be based on a range of factors, including your circumstances, affordability, security you may be able to provide, credit record and whether you are borrowing responsibly.​

  • You can find more information on Secured Loans here including our flexible repayment options 

  • Have a play with our loan calculator to see your repayment amount and the total costs. When you’re ready to take out a personal loan, apply online.

Why Choose Instant Finance

Easy loans online application process

Affordable loan repayment plan

Fast funding finance

Personal service

Fast online application
Same day response
Money in your account within 24 hours of approval
Personalised rates

Our customers say the nicest things!

"Excellent help – friendly staff. Always willing to do what they can."
Sheryl, Dunedin
"Excellent customer services skills – friendly. They take a personal interest in the customer; they are quick to help"
Lynette, Waterview, Auckland
"Super friendly staff kept things nice and simple. I absolutely loved the homeware and furniture options available to add to my loan. Very helpful."
Isiah, Dunedin
"Instant Finance rocks! Always finding ways to help whanau with unforeseen bills. Love it!"
Louise, Hastings
"Just the best people to deal with!"
Kelly, Christchurch
"Service is efficient and sufficient. Very helpful, thank you."
Ken, Warkworth
"I feel I am treated professionally and respectfully by all personnel at Instant Finance and they are always very friendly and helpful to me"
Elizabeth, Avondale, Auckland
"Excellent customer service, Kuini and staff at Onehunga are thoughtful and really listened to us. The process was thorough, and we really felt we were listened to."
Katherine and Howard, Manurewa Auckland
"Linwood Instant Finance has great people, customer service and are lovely and kind to talk to. Recommend these guys to everyone"
Renee, Christchurch

Frequently Asked Questions About Personal Loans

How much can I borrow with Instant Finance?

You can apply for a personal loan from $500 up to $50,000, depending on your income, expenses, and credit history. Our team will help you find a loan amount that’s affordable and realistic for your situation.

How fast can I get my loan?

In many cases, you’ll get a decision within 24 hours — and once approved, the funds are usually transferred to your account the same day.

Can I apply if I have bad credit?

Yes. We look at your overall financial situation, not just your credit score. If you’ve had issues in the past, our Bad Credit Loan options may still work for you.

Do I need to provide security for my loan?

It depends on the loan amount and your personal circumstances. Some smaller loans can be unsecured, while larger loans may use an asset such as a car as security.

How do repayments work?

We offer weekly, fortnightly, or monthly repayments to fit your budget. Each payment is a fixed amount for the life of your loan, so there are no surprises.

What can I use a personal loan for?

You can use your loan for almost anything — from car purchases and home improvements to travel, medical bills, or debt consolidation. Explore all our loan types here.

Do I need to visit a branch to apply?

No — you can apply online, by phone, or in-branch, whichever suits you best. Our Online application form is quick and secure, and our friendly team is just a call away if you need help.

How do I know if I’m eligible?

To apply, you’ll need to:

  • Be 18 or older

  • Be a New Zealand citizen or resident, or hold a work visa (your loan term needs to end before your visa expires)

  • Have valid photo ID

  • Show you can comfortably manage the repayments