Apply online for a personal loan or call us on 0800 299 399
Apply online for a personal loan or call us on 0800 299 399

Clear your outstanding balance and protect your credit rating

  • Avoid penalty and late charges
  • Choose a repayment option that works for you - weekly, fortnightly, or monthly
  • Flexible terms and payment options
  • Simple and quick loan application
  • Combine your debts into one easy to manage loan




Use our personal loan calculator now to see how affordable your repayments could be. Interest rates for personal loans range from 12.95% to 29.95% p.a.*

* Things you should know: Finance Now's normal lending criteria and loan terms apply. Approval is subject to there being no deterioration in your financial position (from that previously disclosed to Finance Now). Finance Now recently purchased Warehouse Money, as part of The Warehouse Financial services. 100% locally owned and operated, Finance Now has been trusted by Kiwis for financial products and services since 2000. Finance Now is a responsible lender and an application for finance may be declined if a decision to lend would not, in Finance Now’s opinion, be in accordance with its responsible lending obligations. Repayments shown are indicative only and include a $240 application fee and a $1.80 monthly service fee. 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 below.

Want to know how we assess applications? Read more here 

Use the sliders below to see what your repayments could be
How much money do you want?
$ (max $20,000)
How long do you want it for?
Interest rate *
* Interest rates may vary upon application
For loan amounts greater than $20,000 please contact us on 0800 299 399.
* Repayments shown above are indicative only and may vary upon application

Unsecured personal loans

An unsecured loan is when there's no need for you (the borrower) to provide any collateral or security for a loan. Typically, this means that the amount you can borrow is less and the interest rate charged is slighter higher than a secured loan.

Secured personal loans

A secured loan is one where you (the borrower) pledges / provides some asset (like a car or property) as back-up (security) for the loan. Providing security can help you borrow a larger amount and reduce the interest rate we offer.

We're the NZ personal loans specialist offering you the choice of unsecured personal loans and secured personal loans. You can apply online, it only takes a few minutes and it's so easy to complete. As soon as you've finished, we'll let you know if you've been approved and contact you to arrange payment and the completion of the contract. Simple!

If you've any questions about your application or the information you're asked to provide, then call our friendly team on 0800 299 399 or send us a message.


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