Finance Now Card

Your Finance Now EFTPOS, ATM and Store
ID Card.

Important information you should read

*Terms and Conditions apply. Finance Now’s normal lending criteria and loan terms apply. Interest rates from 19.95% p.a. apply. A $0.25
transaction fee applies to purchases less than $20. A 6 monthly fee of $18.50 applies on the first purchase transaction and is included in your
first statement. Your Card limit will be reassessed at the time of Card activation and will be based on your updated credit position.

Recognised at over 1,500 retailers

Your Finance Now Card is an EFTPOS, ATM and store ID Card. Present it at over 1,500
retailers that use Finance Now to fast track your next finance application.

Activate the Card and you can access money 24/7 through NZ’s network of ATM and EFTPOS facilities.

Simple Easy Personalised Loans

What you can do with your Finance Now Card

  • Use it as ID at over 1,500 Finance Now retailers - for fast mobile verification
  • Activate now, use later - no fees until you start using the card*
  • Low interest rates from 19.95% p.a. for your everyday needs or short term loan
  • It can be your everyday EFTPOS and ATM card
  • PLUS no EFTPOS transaction fees for purchases $20 and over*
  • Free access to eMoney for 24/7 access to balances and transactions
credit cards

How to activate your card

Activating your card by simply clicking the button below. Have your card and mobile handy. We'll let you know what your credit limit and interest rate will be. After your Card has been activated a PIN will be posted to you. Once you've received it you're good to go!

If you don’t want to activate your card yet, you still have the benefit of using it as official ID for faster ID verification and processing. We have over 1,500 stores where you can use it.


Where can you use your Finance Now Card?

You can use your Finance Now Card at over 1,500 Finance Now stores. Click here to see a list of the stores you can go shopping with.

Frequently Asked Questions

Interest rates from 19.95% p.a. apply to Finance Now Cards. A 6 monthly fee of $18.50 applies on first card transaction. It will be included in your first monthly statement. For EFTPOS transactions less than $20 a $0.25 transaction fee applies. Refer to your Disclosure Statement for a full list of fees.

No. If you choose not to activate your card, you can still use it as your official Finance Now ID card for your next finance purchase. For faster ID verification and processing present your card to any Finance Now retailer.

Activation is completed online at: Have your Finance Now card and mobile phone handy as you’ll need it for the activation process.

Card activation can only be completed online at Connect with friends or family who have internet access to activate your card. Our Customer Services team cannot activate on your behalf over the phone.

Your expiry date is printed on your card. All cards expire 3 years from date of issue. A new card will be sent to you before your card expires.

Want to know more?

From personal loans to retail finance, business loans and credit cards, we’re here to help.
Check out our FAQs or send us a message.

If you are experiencing Financial Hardship, we can help.


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