South Island loans
Real Finance is a Responsible Lender, providing transparent online loans and flexible finance options across New Zealand. We have a legal obligation to ensure we exercise the care, diligence, and skill of a Responsible Lender at all times. If you have any questions, please contact us.
Real Finance Limited (RFL) is a Financial Advice Provider (FAP) holding a full FAP licence issued by the Financial Markets Authority, in accordance with the Financial Markets Conduct Act 2013 (FMCA) to provide financial advice services in New Zealand—including guidance on interest rates, loan terms and repayment options. RFL gives this FAP disclosure in accordance with the FMCA and its regulations.
We may provide financial advice services through those of our employees who are Financial Advisers (FA’s) under the FMCA, helping you match loan amounts to your budget and financial goals. Our Financial Services Registration Number is FSP3821.
This FAP disclosure statement provides relevant information about the financial advice services that RFL (We, Our and Us) provide to Our customers. It should help you decide whether to use our advisers and whether to follow their financial advice, such as when choosing a repayment plan that best suits your needs.
Our loan range
Vehicle Finance
From $2,000 – $50,000*
From $70 Weekly
- Terms: Up to 36 Months.
- Buying New or Using Your Current Car.
- Apply Today & Drive Away
We can take care of insurance for you too!
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.
Payment Protection Insurance is available.
Personal Loans
From $1,000 – $100,000*
From $35 Weekly
- Terms: Up to 36 Months.
- Our “Use For Anything” Loan.
- 100% Online Process and so Fast.
E-Sign is available for all loan types.
Mortgage Loans
From $5,000 – $200,000*
From $199 Monthly
- Terms: Up to 60 Months.
- For Short-Mid Term Purposes.
- Renovate or Repair.
Use the equity in your home to your advantage.
Bridging Finance
From $5,000 – $50,000*
From $99 Monthly
- Terms: Up to 36 Months.
- Sort All Your Debts Into 1 Payment.
- Solve Your Cash-Flow Issues Today.
Our team listen, understand and solve.
Business lending
From $5,000 – $300,000*
From $199 Monthly
- Terms: Up to 60 Months.
- Asset Finance, Capital, Kickstarter.
- We See What You See.
The best outcomes for your business needs.
*Larger amounts are provided through our external lending partners
South Island loans NZ – easy as 1, 2, 3
1. Application
Fill in our 5-minute loan application 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 can’t believe how fast it was to apply, be approved, accept, and then get the funds into our account. A truly seamless experience.”
Let’s get started
Our 100% online system makes getting a loan anywhere in the South Island fast and stress-free. Apply now or call us on 0800 21 21 21 for personalised advice from our friendly lending team. We look forward to helping you reach your financial goals.
