Instant finance NZ – fast, fixed-rate personal loans
Need cash today for a sudden bill, travel fare, or a quick upgrade for your home or car? Real Finance’s instant personal loans let you access funds the same business day – without mountains of paperwork.
Why choose instant finance with Real Finance?
Fixed interest rate for certainty
Know exactly what each repayment will be for the life of the loan
Fixed interest rate for certainty
Know every repayment in advance, no nasty surprises
Unsecured loan option
Borrow without collateral, or secure the loan for sharper pricing
Flexible loan amount & term
From $1,000 to $100,000 over 3-36 months, matched to your budget
Friendly kiwi team
Real people on the phone, fully compliant with CCCFA responsible-lending rules
What can an instant personal loan cover?
- Emergency medical or dental costs
- Car repairs, tyres or rego/WOF
- Flights, accommodation or urgent travel
- Tech upgrades – phone, laptop, appliances
- Catch-up on power, rates or insurance premiums
- Consolidating small overdue bills into one tidy payment
Personal loan eligibility – credit score & key criteria
- Applying is straightforward. You’ll generally qualify if you:
- Are 18 + and a NZ resident
- Earn a regular income from salary, wages or self-employment
- Have a credit score above 500 (lower scores considered with security)
- Provide three months’ bank statements and valid photo ID
- Can comfortably service the loan amount after normal living expenses
Your credit score influences both the interest rate and the maximum loan amount, but we look at the full picture – income stability, existing debts and overall financial situation – before making a decision.
How much will it cost?
Wondering what your repayments might look like? Use our loan calculator to estimate your loan amount and see how flexible your repayments can be.
Available loan amount
From $1,000 to $100,000
Terms
2 – 30 months
Repayments
Starting from $35 per week
Security options
Household chattels, Vehicles, Property or other collateral.
Disclaimer
This calculator is intended as a helpful guide for use when comparing loan providers and should only be used as such. It provides results based on the assumptions below and the information you provide.
- The calculated amount is not a quote or offer from Real Finance (or our External Lenders).
- Repayment amounts calculated are based on an indicative annual interest rate of 23.95%, an Establishment fee and a Monthly Administration fee.
- The rate offered to successful applicants will depend on individual circumstances and loan type, including your credit score, affordability and security offered.
- Our current annual interest rates and costs of borrowing can be found here.
- Other fees or charges may apply to your individual loan.
- It assumes you make all your required repayments in full and on time and therefore do not enter default.
For more information or to obtain a finance quote tailored to your individual circumstances, please contact one of our friendly team.
Instant finance 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.”
Frequently asked questions
How fast is the money released?
Once documents are signed and checks complete, funds are typically in your account the same business day.
Can I get an unsecured loan?
Yes – unsecured instant finance is available up to $20,000. Providing security can unlock larger limits or a sharper interest rate.
Will applying hurt my credit score?
We run a credit check as part of responsible lending. Multiple recent applications elsewhere may reduce your score; one enquiry with us usually has a minimal effect.
What if my circumstances change?
Contact us early. We can explore extending the term, switching to interest-only, or other hardship options to keep you on track.
Can I top-up later?
If your repayment history is solid, we can reassess and approve a top-up quickly.
Ready to get your instant approval?
Apply online now or phone 0800 21 21 21 to talk through a car-loan solution that gets you driving sooner.
We’re here to help
Have more questions about instant-approval loans, same-day payouts, or borrowing limits? Contact our team for personalised support.
