Personal Loans
Make it happen with a personal loan
with new rates from 10.95% p.a.*
now’s the time
Get the money you need when you need it with a personal loan from Finance Now.
Apply now and start achieving your goals today.
Personal Loans
Make it happen with a personal loan
with new rates from
10.95% p.a.* now’s the time
Get a Flexible Personal Loan up to $60,000 with rates from 10.95% - 29.95% p.a.*
No matter what you’re planning, we’ve got a personal loan option to help you get there. Find out what you can afford…
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 establishment fee and a $2.50 monthly service fee. Interest rates for personal loans range from 10.95% 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.
Ready to start your loan application?
We make navigating your personal loan application as simple as possible.
Here’s what you need to get started:
- Be a New Zealand Citizen or Permanent Resident currently living in New Zealand.
- Be at least 18 years old.
- Provide your income details (weekly, fortnightly, or monthly after-tax income).
- Present valid proof of identity (Passport or Driver's Licence).
Personal Loan Options that Fit Your Needs
Consolidate Debt ›
Simplify your finances by consolidating multiple debts into one easy payment.
Plan an Event ›
Finance your special occasions, from engagements and weddings to birthdays and family reunions, with a personal loan tailored for event planning.
Renovate your Home ›
Turn your renovation plans into reality with a flexible home improvement loan.
Buy a Boat ›
Set sail on your next adventure with a loan designed to help you finance your dream boat.
- Pay off Credit Cards
- Car Repairs
- Pay for Medical Expenses
What our customers say
Why Choose Finance Now ?
Borrow up to
Get Approved In
Loan Applications subject to Responsible Lending Enquiries.
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.
Start Your Journey in
3 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.
Personal Loans That Fit Your Life
At Finance Now, we understand that everyone’s financial needs are different. Whether you’re planning a holiday, consolidating debt, or making a significant purchase, our personal loans offer the flexibility to fit your unique situation.
With competitive rates, no hidden fees, and a simple online application process, we make borrowing easy. Plus, as a New Zealand provider we offer a friendly, local loan service for every step of the way.
Experience Hassle-Free Personal Finance
Discover the benefits of choosing Finance Now for your personal loan needs, where speed, flexibility, transparency, and local support come together to offer you the best financial solution.
Fast Approval
Get approved in as little as 24 hours.
Flexible Terms
Choose repayment options that suit your budget.
Transparent Rates
No hidden fees, what you see is what you get.
Local Support
Friendly, helpful service from a 100% Kiwi provider.
Secured and Unsecured Loan Options
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 10.95 to 29.95% p.a.
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 10.95% to 29.95% p.a.
Not sure which option is right for you? Our team is always ready to talk you through which loan option will suit you best. Contact us today.
Got Questions? See our Personal Loan FAQs
What can I use a personal loan for?
You can use a personal loan for a variety of needs, including debt consolidation, home renovations, medical expenses, holidays, and more. Our loans are flexible to fit your life.
How long does the loan approval process take?
Our streamlined online application process means you can get a decision in as little as 24 hours. Once approved and the contract signed, the funds could be in your account that same day.
What identification do I need to apply for a loan?
If you are new customer a current valid New Zealand driver licence, current valid New Zealand Passport, a New Zealand Fire Arms Licence; or an Overseas passport (or similar document issued to enable international travel) which contains the name, date of birth, a photograph and the signature of the person to whom the document has been issued, and has been issued by a foreign government, the UN or an agency of the UN.
If you do not have any of these documents call us on 0800 299 399 and a lending expert will be able to help.
How is my interest rate determined?
Your interest rate is based on your individual credit assessment, ensuring a personalised rate that reflects your unique financial situation. We don’t believe in a one-size-fits-all approach.
Are there any hidden fees?
No, we believe in transparent lending.
There are no hidden fees — everything is clearly outlined in your loan agreement, so you know exactly what to expect.
What if I have a question or need help during the application process?
Our friendly, local team is here to help! You can reach out to us via email loans@financenow.co.nz or by calling 0800 50 60 90, and we’ll guide you through every step.
Don’t wait to achieve your financial goals.
Apply for a Finance Now personal loan today and take the first step towards making your plans a reality.