Finance NOW

Finance NOW is a local company, owned and operated by Kiwis and proud of it! That’s why heaps of Kiwis trust us to see them right. We can help you with Personal Loans, Debt Consolidation Loans, Car Loans, Retail Finance, Business Finance, and Insurance.

Secured Personal Loans

A secured loan is a loan where the borrower pledges some asset (e.g. a car or property) as back-up (security) for the loan. Providing security can help you borrow a larger amount and can help reduce the interest rate we offer you.
Our secured loans are commonly secured by either a motor vehicle or property caveat, or a combination of both. With security we are able to lend you more than the value of the security you provide.
You’re only a few minutes away from having ‘money your way’. Our online application is quick and easy to complete, and as soon as you’ve finished we’ll let you know if you’ve been approved. It’s that simple!

Things you should know:
Finance Now’s normal lending criteria and loan terms apply. Repayments shown are indicative only and include a $240 application fee and a $1.80 monthly service fee. Full disclosure of all of the terms of your loan (including the total amount payable over the term of the loan) will be provided to you prior to finalisation of your loan. Payment Protection Insurance (PPI) is optional and has NOT been included in the payment amounts below.
Unsecured Personal Loans

An unsecured loan is when there is no requirement for you (the borrower) to provide any collateral or security for a loan. Typically, this means that the amount you can borrow is less and the interest rate charged is normally higher.

Credit Criteria

The decisions we make are based on the following key criteria:
• Capacity – The ability to repay the loan and existing outgoings
• Income – A consistent, stable and proven income is desirable
• Security – Providing security can help you borrow a larger amount and can help reduce the interest rate we offer
• Credit History – Good, proven credit experience is required or a Guarantor who has this proven track record
• What’s a Guarantor? – A Guarantor is someone that agrees to help pay your loan repayments if you fall into difficulty. For more information visit the Banking Ombudsmen Scheme website
• No Finance Defaults – No recent payment or loan defaults to other financial institutions
• We will assess the above attributes before approving any application for credit. We do this by verifying income, residential address, valuing security, and accessing your credit history.
If your application is not approved we can let you know what you need to do over a period of time to improve the likelihood of obtaining credit in the future