Retail Loans

We’re the team behind the finance for your shopping!

Over 1,500 shops use Finance Now

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.

Apply for Retail Finance in-store or online

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!

Get a quick estimate of your repayments

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 22.5% 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 22.5% p.a. and is based amortised fixed payments and interest rate for the term of the loan.

*Things you should know: Repayments are indicative only and based over the selected loan amount and term and include a $55 application fee and a $2.95 monthly service fee. Interest rates for retail finance range from 0% (interest free) to 26.5%. 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. Consumer Protection Insurance (CPI) is optional and has NOT been included in the payment amounts.

If you are experiencing Financial Hardship, we can help.


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