Personal Loans

We have a personalised loan to suit your every need.

Find a flexible loan option with affordable payments to help you manage life’s surprises or plan ahead for purchases or events.

With a personalised Finance Now Loan anything's possible

Get what you want, now.

Whatever life throws at you we’ve got a personal loan to suit. Borrow from $1,000 up to to $60,000.

Fast Approvals. Apply Online.

A loan application only takes a few minutes. As soon as you've finished, we'll let you know if you've been approved - Simple!

Get Money within 24 hours

We'll let you know if you've been approved and contact you to arrange payment and the completion of the contract.

Initial Application Criteria Checklist

Here’s what you’ll need to complete your application:

• You must be a NZ Citizen / Permanent Resident and currently living in New Zealand.

• You must be older than 18 years of age.

• Your weekly, fortnightly or monthly income (after tax)

• Your employment details

• Current proof of identity (Passport or Drivers Licence)

Home improvement loan without mortgage

Simple and easy Personalised loans.

It might be a new car, a family holiday, home renovations, or you're wanting a top up... whatever it is, we can help. With competitive interest rates, flexible terms and payments to suit your pocket.

Unsecured Loans

Unsecured Loans.

An unsecured loan is when you are not required to provide any collateral or security for the loan. Typically, this means that the amount you can borrow is less and the interest rate charged is slighter higher than a secured loan. Unsecured loans range from 13.95% to 29.95% p.a.

Secured Loans

Secured Loans.

A secured loan is one where you pledge or provide an asset (like a car or property) as security for the loan. Providing security can help you borrow a larger amount and reduce the interest rate we offer. Secured loans range from 13.95 to 29.95% p.a.

Get a Personalised Loan up to $60,000...

Loan Amount
For How Long
6 Months
60 Months
Estimated Repayments From
$ / wk
$ / mth
$ total payable over the full term
Calculated at an example rate of 16.95% p.a.*
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 indication of loan pre-qualification. The calculation uses an example rate of 16.95% p.a. and is based 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 13.95% 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. 24-hour time frame applies from approval of your loan by Finance Now, during normal business hours

What our customers say

If you are experiencing Financial Hardship, we can help.


Share it with the World