Finance Now Personal Loan – Loan Review
Finance Now offers personal loans and retail finance in New Zealand, with quick online applications and fast decisions.
Applying does not commit you to any agreement.
Finance Now Personal Loan
Finance Now is a New Zealand consumer lender offering personal loans from $1,000 to $50,000 with terms from 6 months to 5 years. Rates start from 12.95% p.a. Finance Now is available through a wide network of retailers and online direct applications. They are one of the most accessible non-bank lenders in New Zealand.
Applications can be made online or through a retail partner. Online applications take around 10 minutes with decisions usually within 1-2 business days. Finance Now uses automated assessment tools to process applications quickly.
Finance Now is owned by SBS Bank, a customer-owned NZ bank. No early repayment fees apply.
✓ Pros
- Owned by SBS Bank – trusted NZ institution
- Retail partner network for in-store applications
- No early repayment fees
- Loans up to $50,000
✗ Cons
- Establishment fee applies
- Rates from 12.95% – higher than banks
- Terms up to 5 years only
Loan Example
Example: $8,000 over 36 months at 13.95% p.a. = approx. $272/month.
Loan Requirements
- ✓ NZ citizen or permanent resident
- ✓ 18 years or older
- ✓ Regular income
- ✓ Credit check required
- ✓ Valid NZ ID
Loan Features
- Secured and unsecured options
- $1,000 to $50,000
- Fast online application
- Decision within 24 hours
- Retail finance also available
Frequently Asked Questions
24 hours after submitting your application.
The minimum amount at Finance Now Personal Loan is $1,000.
Yes, Finance Now Personal Loan offers an online application process. Visit their website to apply.