Personal Loan Application Update: To improve our personal loan process, we’ve updated our application form. We appreciate your understanding if you are a returning customer and find things a little different. All applications will still be reviewed based on our standard lending criteria and loan terms.

Get a loan to suit your needs

From personal goals to retail shopping and business ambitions, Finance Now’s loan solutions are tailored to fit your life.

Personal
Retail
Business
I want to borrow...
$
$1000
$60000
For how long…
6 Months
60 Months
Interest Rate
Calculate Now!
Rates & fees
Fixed annual interest rate
11.95% p.a.*
Loan establishment fee
$215
Monthly service fee total
$2.50
Total to repay
$
You could be paying…
$ weekly
$ monthly

Disclaimer: Results from this calculator are to be used as a guide only. It is not a quote or an offer of finance. It is not an indication of loan pre-qualification. The calculation uses an example rate of 15% p.a. and is based on amortised fixed payments and interest rate for the term of the loan.

*Loan terms and things you need to know: Finance Now’s normal lending criteria and loan terms apply. Loan Applications are subject to Responsible Lending Enquiries. Repayments shown are indicative only and include a $215 application fee and a $2.50 monthly service fee. Interest rates for personal loans range from 11.95% to 29.95% p.a. Loan terms range from 6 to 60 months. Full disclosure of all of the terms of your loan (including the total amount payable over the term of the loan) will be provided to you prior to finalisation of your loan. Payment Protection Insurance (PPI) is optional and has NOT been included in the payment amounts.

Why Finance Now Is the Right Choice for You

Quick Approval - Personal Loans

Get Approved in

1 Hours

Loan Applications subject to Responsible Lending Enquiries.

Quick Approval - Personal Loans

Borrow up to

$ 1

Easy, No-Fuss Application

Life moves fast, and so do we. Simply apply online and, once approved, your money will be in your account - often within 24 hours

Flexible Loan Options

Whether it’s for home improvements, a new car, or managing unexpected expenses, our personal loans are designed to fit your life.

100% Kiwi, 100% here for you

As a local provider, we understand your needs best. Our friendly and helpful team is here to support you every step of the way.

flexible retail Store spending

Borrow up to

$ 1

shop where you need - retail shop loans

Shop at over

1 Stores

Awesome Shopping Deals

Take advantage of exclusive offers and special financing deals when you shop with our trusted retail partners.

100% Kiwi, 100% here for you

Whether it’s for home improvements, a new car, or managing unexpected expenses, our personal loans are designed to fit your life.

Boost your business - Business Loans

Borrow up to

$ 1

Easy, No-Fuss Application

Life moves fast, and so do we. Simply apply online and, once approved, your money will be in your account - often within 24 hours.

Free Up Cashflow

Finance Now is a specialist business equipment finance provider, offering financial solutions to you and your clients.

100% Kiwi, 100% here for you

Whether it’s for home improvements, a new car, or managing unexpected expenses, our personal loans are designed to fit your life.

Make it Happen 3 in Simple Steps

Apply Online

Complete our easy application form in just a few minutes.

Get Approved Fast

We’ll review your application and provide a quick decision.
Loan Applications subject to Responsible Lending Enquiries.

Receive Your Funds

Once approved, your funds will be in your account, ready to use.

Whatever Your Goal, We've Got You Covered

Explore our range of personal loan and business finance options, designed to help you achieve your specific financial goals – quickly and easily.

Get a Personal Loan ›

We’re here to help Kiwis achieve their financial goals with flexible, no-fuss finance.

Pay for Retail Shopping ›

Enjoy flexible payment plans offered through New Zealand’s leading retailers.

Boost your Business ›

Take your business to the next level with tailored business finance solutions designed to fit your needs.

Buy a Vehicle ›

Get the wheels you want with our vehicle financing options.

Book a Holiday ›

Finance your dream getaway with a personal loan tailored for travel.

Consolidate Debt ›

Simplify your finances by consolidating multiple debts into one easy payment.

Renovate your Home ›

Turn your renovation plans into reality with a flexible home improvement loan.

We can also help you to…
…and more!

We're Here for You,
Every Step of the Way

At Finance Now, we’re more than just a finance company – we’re your neighbours, your community, and your partner in helping you achieve the financial freedom you deserve.

We understand that life’s financial decisions are important, and they can sometimes feel overwhelming. That’s why we’re committed to making the process as simple and as stress-free as possible, ensuring you feel supported at every turn.

Whether you’re planning a major life event, consolidating debt, buying a new car, or just need a little extra help managing unexpected expenses, our team is here to guide you through it. With our fast approval process, flexible loan options, and friendly, local support, you can rest easy knowing that your financial goals are within reach.

At the heart of what we do is our belief that finance should be personal. No two situations are the same, so we work with you to find solutions tailored to your needs. It’s about giving you the tools to succeed and the confidence to move forward, knowing we’ve got your back every step of the way.
Let’s make it happen together—with Finance Now, the journey to achieving your financial dreams starts today.

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