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Form analysis
2 forms found in the DOM

<form class="c-form c-loan-calculator__form ng-pristine ng-valid ng-valid-min ng-valid-max ng-valid-step" ng-submit="actions.submit($event, actions.handleSubmit)">
  <div class="o-grid">
    <div class="o-grid__item">
      <teraform-range input="inputs.LoanAmount" label="Amount" class="c-loan-calculator__range ng-isolate-scope">
        <div ng-show="$ctrl.input.condition()" ng-init="$ctrl.init()">
          <input type="hidden" name="LoanAmount" ng-value="$ctrl.input.value" autocomplete="off" value="2000">
          <div class="c-form__range js-calculator-range" ng-class="{'is-disabled': $ctrl.input.disabled()}">
            <!-- ngIf: $ctrl.hasLabel() --><label for="LoanAmount" class="c-form__range-label c-form__range-label--name ng-binding ng-scope" ng-transclude="label" ng-if="$ctrl.hasLabel()">Amount</label><!-- end ngIf: $ctrl.hasLabel() -->
            <label class="c-form__range-label c-form__range-label--min ng-binding">$200</label>
            <div class="c-form__range-input-wrap">
              <input id="LoanAmount" type="range" class="c-form__range-input js-calculator-range-input ng-pristine ng-untouched ng-valid ng-not-empty ng-valid-min ng-valid-max ng-valid-step" min="0" step="1" max="34" aria-valuetext="$2,000"
                ng-disabled="$ctrl.input.disabled()" ng-model="$ctrl.input.proxy" ng-change="$ctrl.update()" aria-describedby="">
              <div class="c-form__range-tooltip-track">
                <span class="c-form__range-tooltip ng-binding" ng-style="{left: $ctrl.input.offset}" style="left: 29.4118%;">$2,000</span>
                <span class="c-form__range-focus" ng-style="{left: $ctrl.input.offset}" style="left: 29.4118%;"></span>
              </div>
            </div>
            <label class="c-form__range-label c-form__range-label--max ng-binding">$50,000</label>
          </div>
          <!-- ngIf: $ctrl.errorCustom -->
        </div>
      </teraform-range>
    </div>
    <div class="o-grid__item">
      <teraform-range input="inputs.LoanTerm" label="Term" class="c-loan-calculator__range ng-isolate-scope">
        <div ng-show="$ctrl.input.condition()" ng-init="$ctrl.init()">
          <input type="hidden" name="LoanTerm" ng-value="$ctrl.input.value" autocomplete="off" value="24">
          <div class="c-form__range js-calculator-range" ng-class="{'is-disabled': $ctrl.input.disabled()}">
            <!-- ngIf: $ctrl.hasLabel() --><label for="LoanTerm" class="c-form__range-label c-form__range-label--name ng-binding ng-scope" ng-transclude="label" ng-if="$ctrl.hasLabel()">Term</label><!-- end ngIf: $ctrl.hasLabel() -->
            <label class="c-form__range-label c-form__range-label--min ng-binding">3 months</label>
            <div class="c-form__range-input-wrap">
              <input id="LoanTerm" type="range" class="c-form__range-input js-calculator-range-input ng-pristine ng-untouched ng-valid ng-not-empty ng-valid-min ng-valid-max ng-valid-step" min="0" step="1" max="5" aria-valuetext="24 months"
                ng-disabled="$ctrl.input.disabled()" ng-model="$ctrl.input.proxy" ng-change="$ctrl.update()" aria-describedby="">
              <div class="c-form__range-tooltip-track">
                <span class="c-form__range-tooltip ng-binding" ng-style="{left: $ctrl.input.offset}" style="left: 80%;">24 months</span>
                <span class="c-form__range-focus" ng-style="{left: $ctrl.input.offset}" style="left: 80%;"></span>
              </div>
            </div>
            <label class="c-form__range-label c-form__range-label--max ng-binding">36 months</label>
          </div>
          <!-- ngIf: $ctrl.errorCustom -->
        </div>
      </teraform-range>
    </div>
  </div>
  <!-- ngIf: state.error -->
  <!-- ngIf: !state.error -->
  <div ng-if="!state.error" class="c-loan-calculator__results ng-scope">
    <dl class="c-loan-calculator__payment-list">
      <div class="c-loan-calculator__payment-secondary">
        <div class="c-loan-calculator__payment">
          <dt class="c-loan-calculator__payment-frequency">Monthly</dt>
          <dd class="c-loan-calculator__payment-amount">
            <span class="c-loan-calculator__payment-unit">$</span><span class="c-loan-calculator__payment-amount-text ng-binding">115.43</span>
          </dd>
        </div>
        <div class="c-loan-calculator__payment">
          <dt class="c-loan-calculator__payment-frequency">Fortnightly</dt>
          <dd class="c-loan-calculator__payment-amount">
            <span class="c-loan-calculator__payment-unit">$</span><span class="c-loan-calculator__payment-amount-text ng-binding">54.70</span>
          </dd>
        </div>
      </div>
      <div class="c-loan-calculator__payment-primary t-text">
        <div class="c-loan-calculator__payment">
          <dt class="c-loan-calculator__payment-frequency">Weekly</dt>
          <dd class="c-loan-calculator__payment-amount">
            <span class="c-loan-calculator__payment-unit">$</span><span class="c-loan-calculator__payment-amount-text ng-binding">28.81</span>
          </dd>
        </div>
      </div>
    </dl>
    <p class="c-loan-calculator__total">
      <span class="c-loan-calculator__total-text">Total repayable based on weekly instalments.</span>
      <span class="c-loan-calculator__total-amount t-text"><span class="c-loan-calculator__total-amount-unit">$</span><span class="c-loan-calculator__total-amount-text ng-binding">2,996.24</span></span>
    </p>
  </div><!-- end ngIf: !state.error -->
</form>

<form class="c-form c-loan-calculator__form ng-pristine ng-valid">
  <div class="o-grid">
    <div class="o-grid__item">
      <div class="c-loan-calculator__range">
        <div class="c-form__range">
          <label class="c-form__range-label c-form__range-label--name">Amount</label>
          <label class="c-form__range-label c-form__range-label--min">$200</label>
          <div class="c-form__range-input-wrap">
            <div class="c-form__range-input"></div>
          </div>
          <label class="c-form__range-label c-form__range-label--max">$50,000</label>
        </div>
      </div>
    </div>
    <div class="o-grid__item">
      <div class="c-loan-calculator__range">
        <div class="c-form__range">
          <label class="c-form__range-label c-form__range-label--name">Term</label>
          <label class="c-form__range-label c-form__range-label--min">3 Months</label>
          <div class="c-form__range-input-wrap">
            <div class="c-form__range-input"></div>
          </div>
          <label class="c-form__range-label c-form__range-label--max">36 Months</label>
        </div>
      </div>
    </div>
  </div>
  <div class="c-loan-calculator__results">
    <dl class="c-loan-calculator__payment-list">
      <div class="c-loan-calculator__payment-secondary">
        <div class="c-loan-calculator__payment">
          <dt class="c-loan-calculator__payment-frequency">Monthly</dt>
          <dd class="c-loan-calculator__payment-amount">
            <span class="c-loan-calculator__payment-unit">$</span><span class="c-loan-calculator__skeleton-text" style="width: 70px;"></span>
          </dd>
        </div>
        <div class="c-loan-calculator__payment">
          <dt class="c-loan-calculator__payment-frequency">Fortnightly</dt>
          <dd class="c-loan-calculator__payment-amount">
            <span class="c-loan-calculator__payment-unit">$</span><span class="c-loan-calculator__skeleton-text" style="width: 57px;"></span>
          </dd>
        </div>
      </div>
      <div class="c-loan-calculator__payment-primary t-text">
        <div class="c-loan-calculator__payment">
          <dt class="c-loan-calculator__payment-frequency">Weekly</dt>
          <dd class="c-loan-calculator__payment-amount">
            <span class="c-loan-calculator__payment-unit">$</span><span class="c-loan-calculator__skeleton-text" style="width: 115px;"></span>
          </dd>
        </div>
      </div>
    </dl>
    <p class="c-loan-calculator__total">
      <span class="c-loan-calculator__total-text">Total repayable based on weekly instalments.</span>
      <span class="c-loan-calculator__total-amount t-text"><span class="c-loan-calculator__total-amount-unit">$</span><span class="c-loan-calculator__skeleton-text" style="width: 65px;"></span></span>
    </p>
  </div>
</form>

Text Content

Apply Now

Menu
 * Personal Loan
   * Personal Loan Overview
   * Online Loan
   * Cash Loan
   * Car Loan
   * Vehicle Loan
   * Travel Loan
   * Life Events
   * For Your Home
   * Debt Consolidation
 * Why Choose Us
 * Refer a Friend
 * How to Get a Loan
 * Find A Branch Near You
 * Key Information
 * Our Blogs

 * About Us
   * Why Choose Us
   * Testimonials
   * Community Spirit
   * Our Blogs
   * Our Locations
 * Help & Support
   * FAQs
   * Contact Us
   * Complaints
 * Careers
 * Key Information
   * Rates & Fees
   * Privacy Policy
   * Glossary of Terms
   * Security & Scam Safety


 * CONTACT


 * CALL US


 * FIND US


 * PAY NOW


REFER A FRIEND AND YOU'LL BE BETTER OFF.

A $100 reward card better off! Our way of saying "THANKS!"
Find out how




INSTANT FINANCE MAKERS OF POSSIBLE

Instant Finance

Personal loan? No problem. If you need a personal loan that’s quick and easy,
you're in the right place. Apply online now.

Loan Calculator


HOW MUCH WOULD YOU LIKE TO BORROW?

Amount $200
$2,000
$50,000
Term 3 months
24 months
36 months
Monthly $115.43
Fortnightly $54.70
Weekly $28.81

Total repayable based on weekly instalments. $2,996.24

Apply now

Includes Establishment fee from $100 to $270 depending on amount of new money
borrowed and Administration fee of $3 per instalment. Repayments shown are an
example based on an Interest Rate of 19.95% p.a. Instant Finance offers
personalised rates ranging from 12.95% to 29.95%. Minimum weekly repayment
amount is $25. Minimum instalments, loan terms and responsible lending criteria,
terms and conditions apply.

Rates & Fees
Loan Calculator


HOW MUCH WOULD YOU LIKE TO BORROW?

Amount $200

$50,000
Term 3 Months

36 Months
Monthly $
Fortnightly $
Weekly $

Total repayable based on weekly instalments. $

Apply now

Includes Establishment fee from $100 to $270 depending on amount of new money
borrowed and Administration fee of $3 per instalment. Repayments shown are an
example based on an Interest Rate of 19.95% p.a. Instant Finance offers
personalised rates ranging from 12.95% to 29.95%. Minimum weekly repayment
amount is $25. Minimum instalments, loan terms and responsible lending criteria,
terms and conditions apply.

Rates & Fees
Rates & Fees

Includes Establishment fee from $100 to $270 depending on amount of new money
borrowed and Administration fee of $3 per instalment. Repayments shown are an
example based on an Interest Rate of 19.95% p.a. Instant Finance offers
personalised rates ranging from 12.95% to 29.95%. Minimum weekly repayment
amount is $25. Minimum instalments, loan terms and responsible lending criteria,
terms and conditions apply.


PERSONAL LOANS FROM INSTANT FINANCE

At Instant Finance, we understand that life can throw unexpected challenges your
way. That's why we're here to help you find the right personal loan tailored to
your needs.

With our simple personal loan calculator and online application process, turning
dreams into realities through personal loans in NZ has never been easier with
Instant Finance. Simply adjust the loan amount and term on our loan calculator
to estimate your weekly, fortnightly, and monthly repayments. This will give you
an idea of the financial commitment of your personal loan and help you plan
ahead.

We make personal loans and access to finance easy for everyday Kiwis, whether
you need some extra cash or quick loans for an emergency, a new car, or a
significant life event that’s sprung up. We'll do our best to make your loan
application with us as easy and as quick as possible. Ready to take out a
personal loan, apply online today!


 * FAST ONLINE APPLICATION
   
   Apply from anywhere, anytime! Not only is the application form fast, but it
   helps us collect all the information we need and process your application
   faster too.


 * SAME DAY RESPONSE
   
   When you need cash, you don't want to be held up. You can expect a same-day
   response about the next steps for your application.


 * MONEY IN YOUR ACCOUNT WITHIN 24HRS OF APPROVAL
   
   Once your loan application is approved, you could have money in your account
   within 24 hours and get back to what you love.


 * PERSONALISED RATES
   
   Get an interest rate of your own! We know there's no one size fits all, so we
   tailor our interest rates to you and your financial situation. Why not have a
   play with our calculator?


 * CASH LOANS


 * IN NEED OF A CAR LOAN?


 * NEED A TRAVEL LOAN FOR YOUR NEXT TRIP?


 * INSTANT FINANCE HOME RENOVATION LOANS


 * LIFE EVENT COMING UP AND NEED A LOAN?


 * DEBT OUT OF CONTROL? A DEBT CONSOLIDATION LOAN COULD HELP!


WE MAKE SURE YOUR PERSONAL LOAN WORKS FOR YOU!

When you choose a finance company for a personal loan there are lots of things
to think about. You need to choose someone who works with you and has your best
interests at heart. We’re a responsible finance company so we tailor your
personal loan to your needs and circumstances, plus we won’t let you get in over
your head.


WHY CHOOSE INSTANT FINANCE?

With many finance companies out there, we have a few things that make us stand
out from the crowd.

 * Easy loans online application process:
   
   Instant Finance can help you with a range of personal loans to suit your
   needs and budget. Applying for personal loans online helps us process your
   application even quicker, so get started today with our easy loans
   application form and get quick cash and finance ASAP.

 * Affordable loan repayment plan: Instant Finance provides fixed-rate personal
   loans with an interest rate between 12.95% - 29.95% per annum. We also have
   easy to manage repayment plans to suit your financial situation. We will help
   choose the best plan for you, helping decide the best loan term and loan
   amount for your circumstances.
 * Fast funding finance: Once your personal loan has been approved, in most
   cases, you can have the money in your account within 24-hours or the
   following business day.
 * Personal service: We pride ourselves on being a responsible lender with the
   best customer service and have done so over 50 years! Our friendly and
   knowledgeable team are here to help and support you throughout the loan
   application process.


RESPONSIBLE LENDING

You are protected by responsible lending laws. Because of these protections, the
recommendations given to you about consumer loans and any associated payment
protection insurance are not regulated financial advice. This means that duties
and requirements imposed on people who give financial advice do not apply to
these recommendations. This includes a duty to comply with a code of conduct and
a requirement to be licensed.


OUR LATEST BLOGS


 * TIPS ON HOW TO INCREASE YOUR CREDIT SCORE IN NZ
   
   At Instant Finance, we understand that having a low credit score can be a
   real pain. That’s why we're here to give you some tips on how to increase
   your credit score in NZ without all the jargon and fancy language.


 * HOW TO IMPROVE YOUR OUTDOOR LIVING AREAS IN NZ
   
   With our home renovation loans, you can have the flexibility to manage the
   expenses associated with material purchases, labour costs, and other
   essentials to build your dream outdoor haven.


 * SELLING A VEHICLE IN NZ? HERE ARE SOME THINGS YOU NEED TO KNOW!
   
   Looking at selling a vehicle in NZ? Learn tips to prepare your vehicle for
   sale and decide whether you want to sell it online or trade it in.


 * 4 REASONS TO GET SMALL PERSONAL LOANS
   
   A little short on cash to cover an urgent expense or something small? A small
   personal loan could be your answer!


OUR CUSTOMERS SAY THE NICEST THINGS!

We've been helping all kinds of Kiwis with personal loans for over 50 years now.
We're proud to be a trusted and responsible lender with a reputation for
excellent customer care, so it’s easy to see why our customers have excellent
things like this to say.

> "Excellent help – friendly staff. Always willing to do what they can."
> 
> Sheryl, Dunedin

> "Excellent customer services skills – friendly. They take a personal interest
> in the customer; they are quick to help"
> 
> Lynette, Waterview, Auckland

> "Super friendly staff kept things nice and simple. I absolutely loved the
> homeware and furniture options available to add to my loan. Very helpful."
> 
> Isiah, Dunedin

> "Instant Finance rocks! Always finding ways to help whanau with unforeseen
> bills. Love it!"
> 
> Louise, Hastings

> "Just the best people to deal with!"
> 
> Kelly, Christchurch

> "Service is efficient and sufficient. Very helpful, thank you."
> 
> Ken, Warkworth

> "I feel I am treated professionally and respectfully by all personnel at
> Instant Finance and they are always very friendly and helpful to me"
> 
> Elizabeth, Avondale, Auckland

> "Excellent customer service, Kuini and staff at Onehunga are thoughtful and
> really listened to us. The process was thorough, and we really felt we were
> listened to."
> 
> Katherine and Howard, Manurewa Auckland

> "Linwood Instant Finance has great people, customer service and are lovely and
> kind to talk to. Recommend these guys to everyone"
> 
> Renee, Christchurch

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LOAN TERMS

Our minimum loan term is 3 months, and our maximum loan period is typically 3
years.

INTEREST RATES

Instant Finance provides loans at an annual interest rate from 12.95% to 29.95%
per annum.
The rate that applies to your loan will be based on a range of factors including
your circumstances, credit history with us or others, the security you can
provide and the loan amount.

Once set, our interest rate is fixed for the term of your loan.

DEFAULT INTEREST RATE

If you get behind in your loan repayments, then we may charge a default interest
rate on any overdue loan payments, while they are unpaid. The Default rate that
we charge is 10% per annum above the Interest Rate that normally applies to your
loan.

On this basis the maximum annual interest rate charged would be 39.95%

LOAN FEES

We have various fees attributed to your loan which are added to your loan
repayments.

Fee

Description

Cost

Loan establishment fee

A one-off set up fee for your loan.

From $100 to $270 depending on amount of new money borrowed

Administration fee

A fee per instalment paid.

$3 (per instalment)

Variation fee

A one-off fee charged if your loan terms are changed.

$50

Full repayment fee

A one-off fee if you pay off your loan in full before the final payment is due.

$25 + any calculated loss.   

LOAN EXAMPLE:

The amount repayable of your loan is made up of your interest rate, plus fees.
For example, if borrowing $10,000 repayable over 3 years at an interest rate of
29.95% you would be required to make 156 weekly instalments of $102.96. This
repayment is made up of interest, an establishment fee of $270 and an
administration fee of $3.00 per instalment.

Total interest would be $5,323.76 with total fees of $738 making the total
payable over the full term $16,061.76.

 


NEED HELP?


 * CONTACT CONTACT US
   
   


 * CALL US PHONE 0800 760 000
   
   
 * Apply Now


 * FIND US FIND A BRANCH NEAR YOU
   
   


 * PAY NOW MAKE A PAYMENT
   
   

 * 
 * 
 * 
 * 

 * About Us
   About Us
   * About Us Overview
   * Why Choose Us
   * Testimonials
   * Community Spirit
   * Our Blogs
   * Our Locations
 * Help & Support
   Help & Support
   * Help & Support Overview
   * FAQs
   * Contact Us
   * Complaints
 * Careers Careers
 * Key Information
   Key Information
   * Key Information Overview
   * Rates & Fees
   * Privacy Policy
   * Glossary of Terms
   * Security & Scam Safety

100% Kiwi owned Est. 1971

Proud member of Financial Services Federation

© 2019 Instant Finance Ltd Site by Terabyte Top
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