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


Get Pre-approved for Retail Finance - Less waiting and more shopping!

Over 1,500 retail stores throughout New Zealand use our Credit Sales facility - giving you more choice when you're shopping around. From furniture to home electronics, car accessories to musical instruments, you'll be able to get what you want at a price you can afford. See a list of retailers that use Finance Now.


Our retailers can provide you with a wide range of credit options - be sure to ask for details of their latest finance promotion. Simply select what you want to buy and apply in-store. You can be approved in just a few minutes and take your purchase home straight away.*

Alternatively, you can do it all online in the comfort of your home. We'll let you know straight away if you've been approved at the end of the application - easy!

How much will repayments be?

Use our loan calculator below to quickly see how much repayments will be based on the amount you want to borrow.*

* Things you should know: Finance Now's normal lending criteria and loan terms apply. Repayments shown are indicative only and include a $55 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. There must be one single item in the purchase to the value of $150 or over.

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

Get Pre-approved Online and Spend Less Time Waiting and More Time Shopping!

Save time by applying for finance online and if you get approved you can spend less time waiting and more time shopping!*

  • No anxious wait in-store to see if you'll be approved

  • Don't waste valuable shopping time filling in forms

  • When you go shopping remember to take some current form of ID like your Passport or Driver's Licence

TXT Xpress - fast store pre-approval on your mobile^

Have you used Finance Now before?

If so, we already have your details, so all you need to do is text the word Approve followed by a space and your Surname to 580 and you could get pre-approved instantly.* It's FREE to send and receive text messages.

Example: Approve Smith

Click here for more information about TXT XPRESS.

Or you can simply apply online by clicking the button below.

^ Terms and conditions apply:  Finance Now's normal lending criteria and loan terms for secured lending apply.  Pre-approval is based on the information previously disclosed to Finance Now.  If there has been a deterioration in your financial position, Finance Now may refuse to provide you finance or may reduce the amount it is willing to lend you. 


Payment Protection Insurance

Consumer Protection Insurance is available on all retail finance purchases. Payment Protection gives you peace of mind should you be unable to make your repayments due to any of the following incidents* occurring:

  • Redundancy
  • Hospitalisation
  • Illness
  • Accident
  • Death

Selected retailers are also able to offer chattels cover which covers the goods from fire or theft. It is highly recommended that you take this cover if you do not have contents insurance.

Finance Now uses insurance products supplied by SouthSure Assurance and Protecta Insurance.* 

Retail Store Finance - Consumer Protection Insurance (CPI) Brochure

Personal Loan - Payment Protection Insurance (PPI) Brochure 

Protecta Payment Protection Insurance Policy wording

Business Finance Key Person Payment Protection (KPPP) Policy wording

* Payment Protection Insurance is provided by Third Party suppliers. The retailer that you purchase your goods from will provide you with a full policy booklet from the relevant supplier.

© Finance Now Limited . FINANCE NOW, the Finance Now logo, FINANCE NOW MONEY YOUR WAY, MONEY YOUR WAY, QIK and the QIK logo are all registered trade marks of Finance Now Limited. All rights reserved.