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easy online loans NZ

For Real Finance, Real Fast & Real Flexible, talk to the friendly team at Real Finance now. We offer flexible online lending situations, with over the phone one-to-one customer support and guidance about a wide variety of loan types, including business loans, holiday loans, car loans, boat loans, and many more short-term loans types, so we are certain we offer a loan product that suits your needs and requirements. If you currently have more than one debt over a range of services or loans, consider a debt consolidation loan. This makes it easier to manage your finances by combining your debts into one loan with us. NZ loan applications are typically approved within 60 minutes, and then once signed up take another 60 minutes to reach your bank account. Our NZ online finance application process couldn’t be simpler. Talk to the team at Real Finance now for quick cash loans in NZ when you need them. We are an approved Financial Services Provider in New Zealand and tailor custom loans packages to suit your income. Call now on 0800 21 21 21 for personalised help, or simply apply now. We look forward to hearing from you when you next need a fast cash loan.

Vehicle Finance

From $2,000 - $50,000*
From $70 Weekly
  • Terms up to 36 Months.
  • Buy New or Use Your Current Car.
  • Apply Today & Drive Away

Mortgage Loans

From $5,000 - $2,000,000*
From $199 Monthly
  • Terms up to 60 Months.
  • For Short-Mid Term Purposes.
  • Renovate or Repair.

Debt Consolidation

From $1,000 - $50,000*
From $35 Weekly
  • Terms up to 36 Months.
  • Sort All Your Debts Into 1 Payment.
  • Lose The Stress of Multiple Debts.


From $1,000 - $50,000*
From $99 Monthly
  • Terms up to 36 Months.
  • Sort All Your Debts Into 1 Payment.
  • Solve Cash-Flow Issues


From $1,000 - $100,000*
From $35 Weekly
  • Terms up to 36 Months.
  • Our "Use For Anything" Loan.
  • 100% Online Process and so Fast.


From $5,000 - $300,000*
From $199 Monthly
  • Terms up to 60 Months.
  • Asset Finance, Capital, Kickstarter.
  • We See What You See.

Easy as 1.2..3...

We make NZ loans easy! Simply follow our 3 step online loan application process, which takes only a few minutes, and you could have the funds in your account in as little as 2 hours. We are a recommended NZ finance company and cover loans for all sorts of different reasons, from vehicle finance/car loans, to business loans, consolidation lending, bridging finance, renovation and boat finance. Our expert team are on call now to walk you through the loan application process and determine a repayment solution that works for your individual circumstances, or if you’d prefer simply use our quick and easy online loan application. So when you need a loan for a holiday, a car loan, boat loan, debt consolidation loan, emergency loan, house renovation loan, funeral loan, asset finance, small business loan, or any other kind of short-term loan call now. Our New Zealand loans company is ready to listen, understand and provide the right lending solution to you. Call now on 0800 21 21 21 to talk to a loan officer, or simply apply now. We look forward to hearing from you when you next need an easy cash loan from a reliable and personal lender.



5 minute completion or call 0800 21 21 21 to talk to our friendly team.



60 Minutes completion to make sure the loan is fit for purpose & affordable.



When approved we document your loan, explain all information, sign you up & pay out your loan funds.

Real Finance Make Online Loans Easy

Real Finance is an NZ wide fast loan company. We provide our services direct to the public and via a network of partners who wish to provide their own customers with excellent financing options. We are the culmination of over 100 years of experience within the finance industry having served Wellington & Canterbury for nearly 50 years through our branches, & nationwide through our online loans & word of mouth referrals from other happy customers. Talk to us now about a short term loan when you need financial assistance fast. We have the right finance options to suit your needs, whether it be for a business loan, car loan/vehicle finance, debt consolidation loan, boat loan or any other short-term loan. We even offer mortgage loans and bridging loans! So what are you waiting for? Call our expert lending team today and we can have you approved in as little as 60 minutes once we have your complete application. Our team are dedicated professionals, ready to listen to you and understand your needs and then use their expertise to provide the perfect lending solution. With thousands of happy customers all over New Zealand, you can count on us to provide a fair service on terms you can manage.

Real Fast

Real Finance plans on approving applications inside 60 minutes, and once accepted and signed up, another 60 minutes until the funds reach your bank account.

Call 0800 21 21 21 for more personal help or Apply Now via our fast online form & take the first step to reaching your financial goals.

Real Flexible

Repayments for our Consumer and Business Lending start as low as $20 per week with terms of up to 60 months.

Through nearly 100 years of combined industry experience, we realise every single person & situation is unique, so we tailor each loan to perfectly suit your individual needs!

Real FRiendly

Our dedicated & highly professional team treat you like you are part of the Real Finance family, not just another faceless number!

We’re the total package – providing a large lending range, complimenting insurance products and dedicated customer services.


Existing clients can contact us anytime and any way to request consideration of new finance, and in most cases we can provide you an instant finance approval.

Our technology means we can usually manage the entire lending process without you lifting more than a few fingers.


Real Finance is proudly 100% NZ owned and operated. We operate our business in the spirit of all things kiwi – That’s old-fashioned one on one customer services mixed with integrated technology to provide you with superior financial solutions from a friendly face.

We’re small enough to care & large enough to matter!


Real Finance ensures our clients obtain finance that suits your purposes and is affordable when you first apply along with having reasonable costs of borrowing.

Real Finance backs up that integrity throughout your loan and if something goes wrong we listen, then act with respect and care while we work through your issues to resolution.

A Recommended Loans Company

Online Finance Promotions

Driving in Canterbury?

A $5,000+ vehicle loan from Real Finance will get you a Tony's Tyre Service voucher for services worth over $940. Our end of financial year present to you.

Find out More today

Real Finance - Helping Cantabrian's for decades and going strong.
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Contact Us For Loans

Our team are dedicated professionals, ready to listen to you and understand your needs and then use their expertise to provide the perfect lending solution.

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Send a link of the products and services that clients of Real Finance’s can access to your family, friends, colleagues, associates, and more… 


“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.”