About us

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.


Our Kiwi team are here to help throughout your loan process. Click here to see the people behind the Pronto point of difference.


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:

Customer Reviews

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.

Apply Now quick form

Short slider styled form that lets user select borrowing amount and repayment period

  • Weekly
  • Fortnightly
  • Montly