Retail Finance Application

Apply for Retail Finance
Before You Shop

Less Waiting, More Shopping!

Apply online and you could be pre-qualified for a specific loan amount that can be used immediately or in the 30 days from date of approval.* Once you have been approved, simply go into a retailer that uses Finance Now and start shopping. Over 1,500 retail stores nationwide use Finance Now so you’re spoilt for choice. Click here to see a list of the retailers.

Apply online by filling out the form below. It only takes a few minutes to complete and we’ll let you know if you’ve been approved straight away.

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 $2.95 monthly service fee. Full disclosure of all 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.

"*" indicates required fields

Booking Fee
Monthly Service Fee
Loan Type

Step 1

Please enter a number from 1000 to 20000.
Please enter a number from 6 to 60.
Interest Rate
** Interest rate is indicative only and may vary upon application
We may use your email address/mobile number to keep you informed about FNL's products, services and offers via further communication services and for social media marketing purposes.
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 fortnightly or monthly income (after tax)
  • Your employment details
  • Current proof of identity (Passport, Drivers Licence)

If you are experiencing Financial Hardship, we can help.


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