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Finance Now - Consumer Finance

Get Pre-approved for Retail Finance - Less waiting and more shopping!

Application - Retail Finance  Terms and Conditions 

Over 1,500 retail stores throughout New Zealand use our Credit Sales facility - giving you more choice when you're shopping around. From furniture to home electronics, car accessories to musical instruments, you'll be able to get what you want at a price you can afford. See a list of retailers that use Finance Now.

Our retailers can provide you with a wide range of credit options - be sure to ask for details of their latest finance promotion. Simply select what you want to buy and apply in-store. You can be approved in just a few minutes and take your purchase home straight away.*

Alternatively, you can do it all online in the comfort of your home. We'll let you know straight away if you've been approved at the end of the application - easy!

How much will repayments be?

* Things you should know: Finance Now's normal lending criteria and loan terms apply. Repayments shown are indicative only and include a $60 application fee and a $1.80 monthly service fee. Full disclosure of all of the terms of your loan (including the total amount payable over the term of the loan) will be provided to you prior to finalisation of your loan. Payment Protection Insurance (PPI) is optional and has NOT been included in the payment amounts below. There must be one single item in the purchase to the value of $150 or over.

Get Pre-approved Online and Spend Less Time Waiting and More Time Shopping!

Save time by applying for finance online and if you get approved you can spend less time waiting and more time shopping!*

  • No anxious wait in-store to see if you'll be approved

  • Don't waste valuable shopping time filling in forms

  • When you go shopping remember to take some current form of ID like your Passport or Driver's Licence

Have you used Finance Now before?

If so, we already have your details, so all you need to do is text the word Approve followed by a space and your Surname to 580 and you could get pre-approved instantly.* It's FREE to send and receive text messages.

Example: Approve Smith


^ Terms and conditions apply:  Finance Now's normal lending criteria and loan terms for secured lending apply.  Pre-approval is based on the information previously disclosed to Finance Now.  If there has been a deterioration in your financial position, Finance Now may refuse to provide you finance or may reduce the amount it is willing to lend you. 



Payment Protection Insurance

Consumer Protection Insurance is available on all retail finance purchases. Payment Protection gives you peace of mind should you be unable to make your repayments due to any of the following incidents* occurring:

  • Redundancy
  • Hospitalisation
  • Illness
  • Accident
  • Death

Selected retailers are also able to offer chattels cover which covers the goods from fire or theft. It is highly recommended that you take this cover if you do not have contents insurance.

Finance Now uses insurance products supplied by SouthSure Assurance and Protecta Insurance.*