Unable to approve new loans

Unfortunately during the level four lockdown, we’re unable to approve new loans. Our team will be back in the office once alert levels change and we’ll be able to process new loan applications at that time.

If you need to contact us please email info@prontofinance.co.nz and we’ll respond as soon as a team member can get to it.

About us

Pronto Finance

Pronto is a digital finance company and because we do everything online we’re able to make borrowing money faster and fairer.

By replacing a branch network with our innovative financial technology, we can offer our 9 minute guarantee as well as lower interest rates for borrowers.

Based in sunny Nelson, our unique digital technology allows us to advance quick loans anywhere in New Zealand. You can have the cash in your account Pronto – with our 9 minute guarantee. Using our online system you’re able to borrow money on any device. So now you can get a cash loan on your mobile, tablet or computer. And you don’t have to print, scan or fax a thing.

Pronto Finance was set up after seeing the frustration with slow bureaucratic banks and unfair finance companies. They often take hours or even days to approve and advance a loan. So using our cutting edge financial technology we can offer faster loans nationwide.

We’re also determined to be fair. We want to reward our good customers with lower interest rates. So at Pronto we use a unique system which allows us to set interest rates according to each customer’s client rating. It is only fair that the safer you are as a borrower, the less interest you should pay.

Alongside being faster and fairer, we’ve made the whole loan process more convenient for borrowers. By doing everything digitally we’ve removed the need for paper contracts. So no more unnecessary printing, scanning and faxing. With Pronto you can complete the whole process on your computer, smartphone or tablet from anywhere in New Zealand.

We also looked at how banks and other finance companies operate and realised they’ve taken control away from the borrower. So at Pronto we’ve turned that on it’s head. Our system gives you complete control of the amount you want to borrow and lets you set the repayments you want to make. There are no early repayment fees  on any of our quick loans, so you can actually reduce the amount of interest you pay by paying more than the minimum. We actually encourage you to pay the loan off sooner because not only do you pay less interest, but we’ve got the money to lend out again.

Whilst our system gives you more control, it has been designed to ensure we always lend responsibly. We use a unique client rating system and affordability algorithm. This combines hundreds of pieces of data to assess each application. And it only approves loans that borrowers can comfortably afford to repay. We succeed when our customers repay their loans and recommend us to friends and family, or return in the future. So it’s vital for us to ensure all of our customers are comfortable with their loan and are capable of repaying it.

Our team are proud that over 97% of our customers give us five stars in an independent review. See what they say about us:

Customers Satisfaction Rating

There’s no one more qualified to tell you about our service than our own customers. So here are their unfiltered reviews as collected by Shopper Approved, an independent third party review site.

So long as you’re with a major NZ bank we guarantee to have the cash cleared and in your account within 9 minutes of receiving your signed loan contract.


We want to reward our good customers with a lower interest rate. Our unique client rating system allows us to assess each borrower objectively and reward safer borrowers with lower interest rates


Customer satisfaction is the most important part of our business. We're always looking to improve our service and we encourage reviews via an independent third party review site.


To make it as convenient as possible our system allows you to digitally sign your loan contract. There’s no need to print anything off or visit an office, you can do it all online.


Our unique system has been designed to ensure we always lend responsibly. Using hundreds of pieces of data we assess each borrower and every loan complies with our responsible lending principles.


Our online system allows you to submit everything straight away. When we receive your online application and bank statements during business hours, we promise to process it within 9 minutes.


It’s important to consider all options before making any financial decision. Whether you’re comparing lenders or weighing up whether to borrow money, there are a lot of things to look at.


If you think we're out of line, please get in touch. There are a range of ways you can lodge a complaint and we promise to respond promptly. We're also members of FSCL.


We use a range of technology to protect your privacy and ensure your information is only used for its authorised purpose. We are committed to complying with the National Privacy Principles of NZ.


We offer all of our customers the option to have Payment Protection Insurance with their loans. It's not compulsory, but it offers you piece of mind should you be faced with an unexpected event.


Customise your loan

With our loans you’re in control! Simply select how much cash you need and how much you can afford to repay, tailoring the loan to suit your circumstances.

Remember the more you repay each instalment, the less interest you pay. But always make sure you only choose a figure that you can comfortably afford.

NZ Financial Services Complaints Ltd Guaranteed Secured Online Loans NZ NZ Govt. Registered Financial Service Provider Sustainable Paperless Business NZ Owned And Operated Customer Reviews
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