instantfinance.co.nz

2.3
2.3 Based on 20 reviews

Personal loans from Instant Finance can help fund those expected expenses or finance that big purchase. Apply online or visit your nearest branch today....

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Average Rating

2.3

/
5

20 Reviews

5 Star
30%
4 Star
0%
3 Star
0%
2 Star
5%
1 Star
65%

All Reviews

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Review Time

Jayshree Viresh Tara
Scam site‼️, don’t trust them!! I got ripped off!!! Thankfully E̴d̴e̴n̴b̴u̴r̴y̴ ̅E̅l̅l̅p̅ was able

Scam site‼️, don’t trust them!! I got ripped off!!!

Thankfully E̴d̴e̴n̴b̴u̴r̴y̴ ̅E̅l̅l̅p̅ was able to retrieve my M0ney without any problems or delay.Highly recommended.

1
Date of experience: Feb 24, 2026
Maryanne
They promised me a top up for Xmas then…

They promised me a top up for Xmas then said no I have been a good customer and I will just stop my payments to cover funeral expenses and travel I would not recommend them ti anyone ever

1
Date of experience: Dec 15, 2025
Trey
Bad Bad Bad

I was declined a loan because……. I was in a bad financial position. Isn’t that’s why people get loans in the first place? Who is your desired customers if your declining people in urgent need? Woman or man (couldn’t tell which) islander on phone was rude. Got hung up on with no respect

1
Date of experience: Nov 16, 2025
The Pig Paddock NZ
Unfriendly, I wouldn't ever use them myself ever!

Useless, first woman hung up on me, and never called me back, 2nd one was a bit more helpful, but far from friendly! > No I didn't want a Loan > I was just checking on a form someone wanted 'me' to sign, to see if it was legit, as I was the Seller!Less than helpful and very abrupt!!

1
Date of experience: Sep 22, 2025
Jayshree Viresh Tara
Scam site‼️

Scam site‼️, don’t trust them!! I got ripped off!!!Thankfully E̴d̴e̴n̴b̴u̴r̴y̴ ̅E̅l̅l̅p̅ was able to retrieve my M0ney without any problems or delay.Highly recommended.

1
Date of experience: Sep 10, 2025
Mere
To Jo From IF Rotorua 🥰🤍

We would like to give the biggest shout out to Jo from Rotorua IF for giving us the opportunity for another chance in life 🙏 😀 We are forever grateful to you for everything you have done for Rip myself and our babies 🤩 We can't find words to express how much we appreciate everything 🫶 from the bottom of our hearts 💕 thank you so much Jo and we believe she needs a pay rise 🥰Until next time JoNga MihiMere, Rip and our babies 🤍

5
Date of experience: Aug 06, 2025
Colman Reed
I overpaid my account.

I overpaid my account.They say money takes 5 days to clear.Bank says max 24hours to clear.I ring 3 times this week, asking for my nearly $1200.00 refundYesterday they said refund will be in my account tonight Still waiting... Not good enough, they've lost me as a customer.Don't use them - no good when it comes to refunding, in fact it's theft.

1
Date of experience: Jul 05, 2025
Sapphire Morris
They are a complete joke don't waste…

They are a complete joke don't waste your time with them. I did a loan with them and paid it all off so reapplied for another loan they then declined me

1
Date of experience: Mar 27, 2025
Ealdwulf F.
Frustrating Experience with Instant Finance - Discrimination and Poor Communication

I recently applied for a loan through Instant Finance, and my experience has been nothing short of appalling and infuriating. I feel compelled to share my concerns as I believe they reflect serious issues within the company's operations, particularly around discrimination and a complete lack of communication.When I submitted my application, I was assured that the process would be efficient and transparent. Unfortunately, the reality has proven to be starkly different. I was promised that I would receive updates regarding my application status within four hours, but instead, I have faced silence and a complete lack of initiative from the company. As someone who is disabled due to my military service, my income is a direct result of that, and it feels as though Instant Finance is discriminating against me based on where my income comes from. It’s deeply troubling to feel that my financial situation, which is already a result of my hardships, is being dismissed.This leads me to further concerns about what I perceive as indirect hate crimes being committed against me. The lack of recognition of my income source feels like a biased view, suggesting that my financial contributions are invalid and worthless merely because my information is documented in Australia. This not only adds an additional layer of distress but highlights a desperate need for sensitivity and awareness when it comes to clients with different backgrounds.Moreover, it is important to point out that under the Credit Contracts and Consumer Finance Act 2003, you are required to communicate with clients and customers in a timely manner regarding their inquiries, complaints, and updates. This includes the acknowledgment of electronic communications sent to your company. So far, you have blatantly breached these conditions, leaving me feeling unheard and diminished.The repeated need for me to reach out to your customer service has been exhausting and far from what one would expect from a reputable financial institution. Each time I call, I am met with vague answers and a disturbing lack of accountability, as if my application disappeared into a void and no one at Instant Finance is willing to take responsibility.If you are contemplating applying for a loan with Instant Finance, I strongly urge you to rethink your decision. Not only is their communication abysmal, but the discriminatory practices I have encountered are wholly unacceptable. The assurances I was given during the application process have proven hollow, leaving me feeling disregarded and unvalued.In conclusion, I implore Instant Finance to re-evaluate their approach to customer service and their understanding of various clients’ circumstances. The way they have treated me as a prospective client is shockingly poor and may discourage others from seeking financial assistance through their services. For those in need of a loan, I recommend exploring other options, as my experience has shown that Instant Finance cannot provide the understanding or support that is necessary for individuals with disabilities or unique financial backgrounds.

1
Date of experience: Jan 29, 2025
St0rMizZ
I've had the worst experience with…

I've had the worst experience with these idiots,! Don't use them for the sake of your soul being damaged! I was a loyal customer until I missed a payment then they treat you like shit! They get your hopes up and boom f&&& your hopes in the bum. Also when you know you can afford the payments.... Bunch of di$_s!

1
Date of experience: Dec 30, 2024

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Business Details

  • Personal loans from Instant Finance can help fund those expected expenses or finance that big purchase. Apply online or visit your nearest branch today.

  • language https://instantfinance.co.nz

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