How it works

Four Minutes Online Application Form

Complete our simple four minute application form

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Fast Online Loan Assessment

Faster approvals with our 9 minute processing promise

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Pronto Digital Signature Technology

Using your smartphone or computer, you can sign your contract online

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get your moola fast

Cleared in your account with our 9 minute guarantee

What you need

Drivers License Or Passport Details Loan Requirement
Driver licence
or Passport details
(we can't use 18+ cards or birth certificates so you will need a valid licence or passport)
Bank Account Number And Statement Loan Requirement
Bank account #
and a statement
(you can send the statement electronically and we'll use it to assess your income and expenses)
Vehicle Registration Plate Loan Requirement
Vehicle registration
(all vehicles need a current WOF and rego, and must be registered in your name)
Pronto Finance On Your Mobile
An active mobile phone
(we use this to advise you of your loans progress)
Email Requirement For Digital Contract
An active email address
(we email the digital contract for you to sign: no printing required)

Frequently Asked Questions

  1. Using our sliders to customise your loan you can set how much cash you need to borrow and the repayments you can afford. Then by completing our online application we will be able to make a decision with our 9 minute processing promise.

  1. Once you’ve digitally signed and returned your loan contract we deposit the funds into your account. If you’re with a major NZ bank you can take advantage of our 9 minute guarantee . If you are with a smaller bank or credit union, call us and we have other methods to get your cash to you Pronto.

  1. Yes you can. At Pronto we will NEVER charge a fee for early repayment of your loan. We actually encourage you to pay more than the minimum payments because by paying more each week, fortnight or month you will save on interest and fees and we’re happy because we’ve got the money back to lend out again.

  1. If you’ve had a loan with us before we can definitely look at your options for more finance. We do need to have a new application form with every new loan (even if you’re a previous customer). But the good news is it’s even faster if you’ve had a loan before. Our record for a new loan to a previous customer is 7 minutes from the time he applied to the time he had the cash in his bank account. If you’ve got four minutes apply now and we’ll see what we can do.

  1. For loans of $500 or less we can offer an unsecured loan to customers with a good credit rating. But for larger loans we require a vehicle to be used as security. You don’t have to give us the vehicle in order to get a loan, we just register our interest on the Government’s Personal Property Securities Register. The specific details of how our security interest works and the risks involved are explained in your loan contract which you receive before you sign. If you don’t have a car yourself you could look to take the loan out with a joint borrower. Give us a call on 0800 543 718 to discuss your options.

  1. We can use any vehicle registered with NZTA as security on your loan. When using a vehicle, it must have a current WOF and registration and we can’t use it if there is money owing on it. However if you’re looking for a debt consolidation loan, give us a call and we may be able to release the security interest.
    Unfortunately we don’t accept household items for security.

  1. We can do loans of $500 or less with no car as security. But if you want to borrow more and you don’t own a vehicle yourself you can look to add a joint applicant to your loan. We will need them to submit their details in the same online application as the main borrower (just select ‘this is a joint application’ in the application form), then provide the details of the security being offered and confirm they understand the terms and conditions.

  1. Yes all of our loans require a credit check. We use the credit check as one of the pieces of data to create your Client rating.

  1. We can still do bad credit loans. We consider a range of information before making a decision and base our decision on your Client rating and the affordability of the application. This is created using hundreds of pieces of data to assess you as a borrower, alongside our affordability algorithm. By using all of this information we ensure we always make a responsible lending decision.

  1. Annual interest rate (AIR): this is set between 11.97% and 29.97% depending on your Client Rating. This is our own unique system that looks at hundreds of pieces of data to reward safer borrowers and give them a lower annual interest rate. The interest is always fixed for the life of the loan so you know how much you have to repay before you sign the loan contract.
    No early repayment fees: we promise to NEVER charge a fee for early repayment. When you customise your loan using our sliders, you can choose how much you want to repay each week, fortnight or month. Unlike a lot of lenders we encourage you to pay as much as you can reasonably afford, because you will save on interest and get the loan paid off sooner.
    Establishment fee: This is the fee for receiving, processing and advancing your loan. It’s a one off fee that applies to all personal loans (both new loans and refinances). It is included in your repayments.
    Loans of $200-$499: $160.
    Loans of $500-$999 : $260.
    Loans of $1,000-$20,000: $360.
    Administration fee: This is the fee charged to cover the costs of administering your loan. It includes the processing of payments, all customer enquiries and updates, provision of balances and six monthly statements. It is $4.09 per week, but only charged while your loan is active.
    Default fee: This is only payable if your loan is in default. It is payable daily, but charged weekly. The default fee covers the costs to the company for loans that are a higher risk, due to being in arrears and is $0.97 per day while the loan is in arrears.
    Default interest: This is the default interest rate for the portion of your loan that is in default. The Annual Interest Rate for the default interest is 17.5%, however this is not charged on the total balance of the loan, only the balance in arrears.

  1. When you get a loan with Pronto we offer you the option to include Payment Protection Insurance for your peace of mind. This is not compulsory however the you can read about Payment Protection Insurance here.

  1. The easiest way to make payments is to set up an automatic payment, going out the same day as your income.
    We will email you our account details once your loan is advanced and you can use your loan number as the reference. If you’ve lost the account number, call us on 0800 543 718 and we’ll text or email it to you.

  1. All of our loans require a bank statement showing your last 90 days of income and expenses. We don’t have a specific minimum income required, as each persons surplus is different depending on their expenses. Using our affordability algorithm we will assess your income and expenses to ensure you can comfortably afford the repayments. Unfortunately if you’re paid in cash we can’t recognise this as income when assessing your loan.

  1. We can only lend to New Zealand residents over the age of 18. You will also need valid photo ID to be eligible for one of our loans (no 18+ cards sorry).

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 to get your cash Pronto!

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