Fast & flexible personal loans NZ – online loans instant approval NZ
Apply online in five minutes; get your funds in as little as two hours!
Loans tailored to you
Whether you need help covering an unexpected expense or you’re planning ahead, we provide fast, flexible loans to suit your needs, with friendly, one-on-one support.
Apply online, get approved fast
Our simple online application takes just a few minutes to complete. Once approved, funds can be in your account within two hours.
Prefer to talk to someone? Our team is here to help you choose the right loan and structure a repayment plan that works with your budget. Give us a call on 0800 21 21 21 and we’ll walk you through it over the phone.
Online loans – easy as 1, 2, 3
1. Application
Fill in our 5-minute form, or call 0800 21 21 21 to talk to our friendly team.
2. Review
We’ll review your application within 60 minutes to make sure your loan is fit for purpose and affordable for you.
3. Payout
Once your loan is approved, we document your application, explain the terms, sign you up and pay out your funds.
“I chose a loan type that I thought was best for me, but Real Finance made it a perfect fit when they set the repayment amount and frequency to suit my particular situation!”
Locally owned, trusted nationwide
With nearly 50 years of service in Wellington and Canterbury, Real Finance is proud to support Kiwis across the country — whether you’re seeking a personal loan, cash loan, emergency loan, debt consolidation loan, home loan, or other finance options.
We’re a registered Financial Services Provider, committed to responsible lending and to providing fair, transparent personal loans on terms you can manage. Our reputation is built on personal service, word-of-mouth referrals, and treating every customer like a person—not a number.
Why Choose Real Finance?
Real Fast
Looking for fast cash from online loans with instant approval in NZ? Real Finance makes it easy. We aim to process loan applications within 60 minutes—whether you’re applying for a personal loan or emergency loan. Funds could be in your account within another hour.
Real Flexible
Loan repayments vary from just $35 per week, with terms up to 60 months – depending on loan size.
We tailor every loan to suit your unique needs—because no two situations are the same.
Real People
You’re more than a number here. Our team is professional, approachable, and ready to help—just like wh?nau.
We offer a wide lending range, helpful insurance add-ons, and real customer care.
Real Kiwi
Proudly 100% NZ owned and operated.
We combine classic Kiwi values—genuine service, straight-up advice—with modern online convenience.
Small enough to care. Big enough to matter.
Real Care
We don’t just lend responsibly—we support you throughout your journey.
If things go wrong, we’ll listen, respect your situation, and work with you to find a solution.
Real Perks for Return Clients
Already with us? Just reach out—we may be able to offer you a short term loan or provide instant approval for new finance using our seamless tech.
“I can’t believe how fast it was to apply, be approved, accept, and then get the funds into our account. A truly seamless experience.”
Frequently asked questions
What can I use a personal loan for?
A personal loan can be used for a variety of purposes, such as consolidating debt, covering emergency expenses, funding home improvements, paying for medical or dental bills, or even planning a holiday. Whatever your needs, our personal loans are designed to be flexible and tailored to your unique situation.
Do I need to provide security for my loan?
Many of our personal loans are unsecured, meaning you don’t need to provide security or collateral. However, for larger loan amounts or if your credit history requires it, we may discuss secured loan options with you. Our team will always explain what’s needed and help you choose the best loan type for your situation.
What if I have a low credit score?
We understand that life happens. While your credit score is part of our review, we look at your full financial situation to assess affordability and ensure responsible lending. Even if your credit score isn’t perfect, we work hard to find a solution. We offer flexible personal loans and may still be able to help. Talk to us about your options—we’re here to help you find a loan that works for you.
What are loan repayments like?
Our flexible terms let you choose loan repayments starting from just $20 per week, with options up to 60 months. Use our loan calculator to explore your options.
Have more questions?
Check out our full list of frequently asked questions on our FAQ page for more detailed answers.
