Our quick loans give you access to instant finance anywhere in New Zealand. With our 9 minute guarantee cash advance and annual interest rates from 11.97% you can get faster, fairer finance now!

Using our custom built financial technology we offer personal loans to all types of New Zealanders. To do this we combine a range of data sources with a comprehensive credit check and bank statement analysis to ensure all of our loans meet our strict responsible lending criteria. By doing this we’re able to help out all types of Kiwis, whether you’re full time employed and looking for finance now or you’re after beneficiary loans in New Zealand. A big part of our assessment with every new loan is the comprehensive credit check. So if you’re looking for bad credit loans in NZ, then it’s unlikely to work out with our Client Rating technology.

Using our advanced technology not only allows us to offer fairer loans to more New Zealanders, it also ensures we can approve loans faster than other lenders. And we back this up with our 9 minute processing promise.

Once your loan is approved you can sign your easy loan contract on any device using our digital signature technology.

This means you can even get a same day loan with our 9 minute guarantee on your mobile, so you can have the cash now and get on with your day.

We think we’ve got one of the fastest payment systems for quick loans in NZ. But we’re not just fast with our same day loans, they are also fairer.

Our unique Client Rating technology not only ensures we only approve loans for customers who will be comfortable repaying them, it also allows us to reward good customers with lower interest rates. We think it’s only fair that clients who have less risk, should pay less interest.

We’re also determined to make paying your loan off as easy as possible. So we never charge a fee for early repayment. You can actually save yourself money by paying your loan off earlier than scheduled. So if you’re after a low cost loan, you can take advantage of our low interest rates and combine it with early repayment to reduce the total cost of borrowing.

Don’t waste your time with slow NZ bank loans or complicated peer to peer personal loans, where you sit around waiting for approval.

Get a quick loan from Pronto with our faster, fairer finance now! And see why so many of our customers give us a 5 star rating in our independent reviews.

Find out just how quick cash can be in your account with Pronto NZ by applying online in less than 4 minutes.

Beside our Costs of Borrowing above, we have provided a representative example of the total cost of a typical loan as well as an Annual Percentage Rate (APR) showing different costs of our loans.

Your loan contract will clearly show all costs involved with your loan, as required under New Zealand’s Credit Contracts and Consumer Finance Act.  Under that Act, your disclosure statement shows an annual interest rate (AIR) as a percentage and that rate is made up only of the interest.  It does not include credit fees.

However in order to comply with Google AdWords Financial Services Policy, we have detailed the APR below.

In our sample loan, if you borrowed $5,000 and repaid it over 52 weeks, the total amount you would repay would be $6387.14  This is made up of $851.22 of interest, $205.92 of administration fees and $330.00 for the establishment fee (as above).

Under the Credit Contracts and Consumer Finance Act the maximum Annual Interest Rate (AIR) is 29.97%.

However, when we include credit fees in the calculation for the percentage it gives us the APR. The maximum Annual Percentage Rate (APR) is 27.74%.

Pronto Finance has a minimum loan term of 26 weeks (182 days) and a maximum loan term of 5 years (1825 days). We also require the weekly repayment amount to be at least $20 or more to ensure you repay the loan within a reasonable time frame and don’t pay unnecessary interest and fees, but we will always allow you to repay your loan early with no prepayment fees.

You can view an example of our standard credit contract and disclosure statement here. Or if you would like an individual loan quote please call us on 0800 543 718.