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Finance Now is a well-established financial services provider in New Zealand, offering a variety of lending options tailored to meet different financial needs. Known for its flexible lending criteria and fast approval process, Finance Now has built a strong reputation for providing Kiwis with access to personal loans, car finance, and retail finance solutions.
Whether you’re planning a big purchase, need a reliable car loan, or want to consolidate debt into manageable payments, understanding how Finance Now operates can help you make informed borrowing decisions.
📍 Finance Now Branch Map – Find a Finance Now Location Near You
Looking for a Finance Now branch or partner near you? Use the interactive map below to find Finance Now locations across New Zealand. Whether you’re in Auckland, Wellington, Christchurch, or regional areas like Hamilton, Rotorua, or Dunedin, you can easily find a branch or authorised dealer near you to apply for a personal loan, car finance, or retail finance solutions.Looking for a Finance Now branch or partner near you? Use the interactive map below to find locations across New Zealand. From Auckland and Wellington to Christchurch and key regional centres like Hamilton, Rotorua, and Dunedin, Finance Now offers convenient access to in-person service and trusted lending partners.
Finance Now has an extensive nationwide presence, with branches and authorised partners in:
- Auckland – CBD, Mangere, Manukau, New Lynn, Panmure, Papakura, Henderson, Glenfield, Clendon, Onehunga
- Hamilton, Rotorua, Tauranga, Napier, Hastings
- Wellington Region – Porirua, Lower Hutt, Kilbirnie
- Christchurch – Hornby, Sydenham, Linwood, Christchurch Central
- Whangarei, Kaikohe, Palmerston North, New Plymouth, Whanganui, Dunedin, Invercargill
📌 Click on any map pin to view branch or dealer details, directions, and opening hours.
📞 Call the Finance Now 0800 number to talk with a lending specialist.
💻 Or apply online for fast approval and secure processing.
💳 Whether you’re looking for personal loans, car finance, or retail finance options through partner stores, Finance Now offers quick decisions, competitive interest rates, and flexible repayment schedules.
Finance Now Options Intro
Finance Now provides various types of loans, primarily focused on personal and vehicle financing. These include unsecured personal loans, secured car loans, and refinancing options. Each loan type is designed to serve specific financial situations, whether funding a large purchase or managing unexpected expenses.
Finance Now provides a diverse range of lending products designed to match different borrowing needs:
- Unsecured personal loans – Ideal for covering home repairs, travel, medical expenses, or other personal costs without needing collateral.
- Secured car loans – Lower interest rates and flexible terms for new or used vehicle purchases.
- Retail finance – Available through partner retailers for purchasing furniture, appliances, electronics, and more.
- Refinancing options – Consolidate multiple debts into one structured loan with manageable repayments.
All loans are tailored based on affordability, not just credit score. This makes Finance Now an accessible option for borrowers who may not meet traditional bank criteria but can demonstrate a stable financial position.
Choosing a Loan at Finance Now
When selecting a loan with the provider, it’s essential to consider the loan purpose, repayment terms, and interest rates. For example, secured loans, such as vehicle financing, typically have lower interest rates because the loan is backed by the asset. Unsecured personal loans may have higher rates, but do not require collateral. The loan term can vary from 12 months up to 60 months or longer, depending on the loan type and amount. Reviewing the total cost of borrowing, including fees and interest, is key to choosing the right product.
When selecting a loan with Finance Now, it’s important to:
- Define your loan purpose – Personal, vehicle, or retail finance.
- Compare interest rates – Secured loans typically offer lower rates than unsecured loans.
- Choose the right term – Loan terms typically range from 12 to 60 months or more, depending on the loan type.
- Understand total costs – Factor in interest, fees, and any potential early repayment charges.
Taking the time to compare these details ensures you choose a loan that suits both your short-term goals and long-term financial stability.
Responsible Borrowing
Responsible borrowing involves borrowing only what you need and can afford to repay within the agreed timeframe. Before applying, assess your income, expenses, and existing debts. Tools like budgeting apps or spreadsheets can help calculate what monthly repayments fit your budget without strain. It is also important to understand the consequences of missed repayments, which may include fees, interest rate increases, or the impact on your credit score.
Responsible borrowing means only borrowing what you can comfortably afford to repay. Before applying, consider:
- Your monthly income and expenses
- Existing debts and obligations
- Your ability to make repayments on time
Finance Now is regulated under the Credit Contracts and Consumer Finance Act 2003 (CCCFA). This provides borrowers with clear legal protections, ensuring lending practices are transparent and fair.
💡 Tip: Use Finance Now’s online loan calculator to estimate your repayments before applying. This helps avoid overcommitting and keeps your finances in check.
Protecting Yourself with Finance Now
Protecting yourself means verifying loan terms thoroughly before signing. Carefully read the contract to understand interest rates, repayment schedules, and any early repayment penalties. Additionally, confirm the lender’s identity and ensure all communications are official. The provider is a registered lender in New Zealand, subject to the Credit Contracts and Consumer Finance Act (CCCFA), which provides certain borrower protections.
- Carefully review interest rates, repayment schedules, and fees.
- Check for any early repayment penalties or additional charges.
- Make sure you’re communicating with official Finance Now representatives.
As a registered lender in New Zealand, Finance Now must comply with strict lending guidelines — giving you confidence and security throughout the borrowing process.
Loan Application Process
Applying for a loan involves a few straightforward steps:
- Submit your application – Provide ID, proof of income, and financial details.
- Affordability assessment – Finance Now reviews your credit profile and income.
- Loan approval – If approved, you’ll receive a clear loan agreement to review and sign.
- Funds released – Loans are usually paid out within 1–3 business days.
Applicants with stable income and a good credit history may expect quicker approval, while those with less straightforward profiles may face additional verification.
Managing Your Loan
Effective loan management at Finance Now means making repayments on time to avoid penalties and maintain a good credit record. Many borrowers use automatic payments to ensure deadlines are met. If you experience financial difficulties, it’s advisable to contact the provider promptly to discuss potential hardship arrangements. Keeping track of your loan balance and remaining term through the online portal or statements can help you stay informed.
Automatic payments – Reduce the risk of missed payments.
Online account login – Check your balance, next due date, and remaining term.
Hardship assistance – If you face financial challenges, contact Finance Now early to discuss options.
Avoiding Debt Issues
Avoiding debt problems involves careful planning before borrowing and maintaining a realistic, detailed budget throughout the entire loan term. It’s important not to take out multiple loans simultaneously without clear, manageable repayment plans for each.
Finance Now, like other lenders, regularly reports repayment behaviour to credit bureaus, meaning that missed or late payments can negatively affect your credit score and reduce your ability to borrow from any lender in the future. Prioritise making loan repayments alongside essential living costs such as rent, utilities, and groceries, and communicate as early as possible if you predict any financial difficulties to learn about potential support options.
- Stick to your budget and repayment plan.
- Don’t take on multiple loans without a clear strategy.
- Prioritise loan repayments alongside essentials like rent and utilities.
- Communicate early with Finance Now if you face difficulties.
Financial Planning
Incorporating loan repayments into your broader financial plan can improve your overall financial stability and help avoid surprises. When considering a loan with the company, carefully calculate how repayments fit into your monthly budget alongside regular expenses like rent, utilities, groceries, and savings goals.
Setting up an emergency fund is also a smart way to reduce reliance on borrowing for unexpected costs such as car repairs or medical bills. Additionally, understanding the total interest paid over the loan term can motivate timely repayment or encourage you to look at refinancing options if better terms become available.
- Budgeting monthly repayments alongside everyday expenses.
- Building an emergency fund to reduce reliance on borrowing.
- Exploring refinancing options if better rates become available.
FAQs
Who owns Finance Now?
The provider is owned by the SBS Bank Group, a New Zealand-based mutual bank. This ownership supports Finance Now’s focus on responsible lending and customer service within regulatory standards.
How do I check my Finance Now balance?
You can check your Finance Now loan balance by logging into your online account portal, using the mobile app, or contacting customer service directly via phone or email.
How long does it take for Finance Now to payout?
Once your loan is approved and the agreement signed, the provider usually processes payouts within 1 to 3 business days, depending on the loan type and verification requirements.
What bank is Finance Now with?
Finance Now operates as a division under SBS Bank, which is a New Zealand-registered bank providing the financial infrastructure for loan servicing and deposits.
Finance Now – Who Owns Finance Now?
Finance Now is owned by SBS Bank (Southland Building Society), a New Zealand-owned and operated financial institution. This means the company is backed by a stable, locally trusted banking group. SBS Bank has been serving New Zealanders for over 150 years, giving Finance Now a reputable foundation and strong financial oversight.
How Do I Check My Finance Now Balance?
You can check your Finance Now balance by logging into your Finance Now online account. If you haven’t created an online profile, you can register using your customer number and details provided in your loan documents. Alternatively, you can contact Finance Now customer service or check your recent loan statements.
Is Finance Now Trustworthy?
Yes, Finance Now is considered trustworthy. It is owned by SBS Bank, a regulated New Zealand financial institution. The company must follow responsible lending practices, disclose loan terms clearly, and operate under NZ financial compliance standards. However, always review interest rates and loan terms before accepting any agreement.
Does Finance Now Do Credit Checks?
Yes, Finance Now typically performs credit checks to assess a borrower’s repayment history and ability to afford the loan. However, approval does not rely only on credit score—income stability and current financial obligations are also considered.
What Bank Is Finance Now With?
Finance Now operates as part of SBS Bank. While Finance Now provides loans, finance agreements, and retail finance deals, SBS Bank is the financial group that regulates and oversees its operations.
Who Is the CEO of Finance Now?
Finance Now operates under the leadership appointed within the SBS Bank executive group. Executive roles change periodically, so for the most updated CEO or GM information, refer to the official Finance Now corporate website or SBS Bank leadership page.
Which Bank Is 100% NZ Owned?
SBS Bank is one of the few remaining 100% New Zealand-owned banks. It is owned by its members rather than overseas shareholders, keeping its financial operations within the country.
Who Owns the Southland Building Society?
The Southland Building Society (SBS Bank) is owned by its members. It operates on a mutual ownership model, meaning customers who join as members are part-owners.
Which Is the Safest Bank in New Zealand?
New Zealand’s safest banks are typically the major registered banks regulated by the Reserve Bank of New Zealand. These banks must meet strict capital, liquidity, and financial stability requirements. SBS Bank, ASB, ANZ, BNZ, and Westpac are all considered secure.
How Do I Check My Finance Loan Balance?
You can check your Finance Now loan balance online through your customer login, or by reviewing your repayment summaries in your email or paper statements. Customer support can also provide your current balance over the phone if needed.
How Do I Find Out the Remaining Balance on My Car Loan?
Your remaining balance can be viewed through your online Finance Now account or listed on your loan statement. If your loan includes interest calculated daily, the balance shown may differ slightly depending on the repayment date.
How to Know if a Loan App Is Real or Fake?
A real loan provider will be registered on the New Zealand Financial Service Providers Register (FSPR). They must show a physical address, offer written loan contracts, and will never ask for upfront payment to “release” funds. Fake apps often promise guaranteed approval, charge advance fees, or hide key loan terms.
Who Is the Best Company to Borrow Money From?
The best lender depends on your credit history, income, and purpose of the loan. Banks may offer lower rates for good credit borrowers, while Finance Now and similar lenders may approve those with average credit. Always compare total repayment amounts—not just weekly payment numbers.
Is Finance Now Interest Free?
Finance Now offers interest-free terms only when partnered with retailers promoting special financing deals. These offers have strict repayment schedules. Outside of these promo deals, most Finance Now loans do include interest and standard lending fees.
What Is the Downside to Afterpay?
Afterpay can make spending easier, which may lead to overspending. Missed payments can incur fees and negatively affect credit if the debt is sent to collections. It is still a form of borrowing and requires responsible repayment.
How Does Finance Now Work?
Finance Now offers loans and retail finance to customers who need to purchase items such as electronics, appliances, dental care, or vehicle repairs. Borrowers apply either online or at participating stores. If approved, Finance Now pays the retailer, and you repay Finance Now through agreed instalments.
Do Finance Companies Check Credit Scores?
Yes, most finance companies, including Finance Now, check credit scores to assess risk. However, income stability and affordability often play a more significant role than score alone, especially for people rebuilding financial history.
How to Get $5000 Fast With Bad Credit?
To get $5000 with bad credit, consider lenders who evaluate income rather than credit scores, such as Finance Now, credit unions, or secured lenders. A secured loan using a car as collateral may increase approval chances. Avoid payday lenders due to very high interest rates.
Can You Have a 700 Credit Score and Still Get Denied?
Yes. Even with a 700 credit score, lenders may deny your application if your income is unstable, debts are high compared to income, or if loan affordability fails responsible lending checks. Credit score alone does not guarantee approval.
