Quick, guided loans

Looking for ‘fast loans’? Start online with clear steps and local support.

When it’s urgent, clarity beats hype. Tell us what you need; we’ll compare suitable options, flag the quickest path, and guide a responsible application from start to settlement.

better finance™️

Quick—without cutting corners

Why speed still needs care

When it’s urgent, momentum and clarity matter. We’ll help you submit a complete application first time, flag the documents lenders need, and explain what can influence timeframes (verification, lender workload, processing) - so you can move sooner, without surprises.

better finance™️

Streamlined online start

A short form to outline your goal and budget, then clear next steps.

better finance™️

Clear document checklist

Know exactly what to provide (ID, income, bank statements, address) so assessment can begin promptly.

better finance™️

Proactive follow-through

A real person to keep things moving and answer questions quickly.

better finance™️

Trusted local support

8,000+ independent reviews, average 4.9★, from a NZ-owned team.

better finance™️

Before you chase an “instant” promise

Real pace comes from the whole picture::

  • Complete beats quick - Complete beats quick — Accurate details and required documents reduce back-and-forth.
  • Responsible checks required - Lenders must verify income/expenses, ID and bank statements before a decision.
  • Profile & loan type - Amount, security and credit history all influence assessment time.
  • Lender & bank timing - Workloads, cut-offs, weekends and public holidays affect speed.
  • Reply fast to requests - Quick responses to questions keep momentum.
  • Borrow only what you need - A sensible amount and term can make assessment smoother.

Not sure where to start? Tell us your goal and budget — we’ll outline realistic timeframes in plain English.

Borrowing with confidence

Quick, clear advice shaped around you.

When time is tight, you need steps that make sense and keep things moving. We’ll tailor the process to your goal, your budget and your timeline.

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Map the shortest path

We prioritise the right details and documents—in the right order—so your application lands complete and ready for assessment first time.

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Right-size your loan

We balance amount, term and features so repayments stay workable and the process remains quick and responsible.

better finance™️

Plain talk, clear steps

  • Straight answers, tidy checklists and realistic timeframes. If a step could slow things down, we’ll flag it early and show the fix.

Check your loan options

Start online with a short form. We’ll show indicative repayments and what affects timing, then you choose whether to proceed. No obligation - and a real person’s here if you want a second opinion. 

Your questions, answered

Fast loan FAQs
If you're looking for a fast loan you may have questions about what to expect. Here are the common ones, so you can decide with confidence.

How fast could I receive funds?

If approved, funds are released after settlement (signed documents and checks completed). Some lenders disburse the same or next business day, but processing times and cut-offs apply.

Can I get an “instant” or same-day loan?

We don’t offer or promise “instant” loans. Some applications can be assessed quickly when documents are ready and the profile is straightforward, but timing varies by lender, day and workload.

Will checking options affect my credit score?

We can often give an initial view without impacting your score. A full application may involve a credit enquiry on your file.

What documents do I need?

Typically: NZ photo ID (e.g., driver licence or passport), recent bank statements, proof of income (e.g., payslips) and proof of address. We’ll let you know.

Will applying affect my credit score?

We can often provide guidance before a full credit enquiry. A formal application usually involves a credit check recorded on your file.

How big a loan can I get quickly?

It depends on affordability, your credit profile and lender criteria. We’ll help you set the amount and term to keep repayments workable.

Can you prioritise urgent cases?

We’ll do our best to keep things moving, but lenders must complete responsible-lending checks. We’ll be transparent about realistic timing.

*Fixed interest rates for vehicle loans range from 7.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. Fixed interest rates for personal loans range from 9.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and is determined by the lender. 

Fees apply, including an establishment fee of up to $350 and an introducer fee of up to $995. Also, lenders may charge a PPSR fee of between $0 and $14. For example: On a loan of $10,000 over 24 months at 9.95% p.a. with Establishment and Introducer fees totalling $495 and a PPSR Fee of $7.39, the total amount to repay is $11,627 which is 24 monthly payments of $485. Those amounts don’t include ongoing fees, such as Service Fees, charged by the lender. You can find full fee information in the loan contract. We recommend that you check the fees before accepting the loan offer. See more about lender fees here.

Approval is subject to meeting lending criteria, and affordability test applies. Our lender will independently assess whether you are eligible for a loan.
Same day payout subject to the applicant meeting the above conditions and completing loan documentation by 12pm.