Welcome to Real Finance

Real Fast

A Real Finance loan is generally approved on the day you apply & in most cases you have access to the cash on the same day!


We strive to provide approvals within 60 minutes of receiving your completed application & applying is so simple. Call us on 0800 21 21 21 for more personal help, or 9167993470 via our fast online form & take the first step to reaching your financial goals.


Real Flexible

Repayments start as low as $10 per week, & the length of our loans range between 1 week & 3 years. Through nearly 100 years of experience, we realise every single person & situation is different, so we tailor each loan to perfectly suit your individual needs!


Real Friendly

Our dedicated & highly professional team treat you like you are part of the Real Finance family, not just another faceless number! We're small enough to care & large enough to matter!



"I applied in the morning & was able to use the cash that I'd borrowed by that afternoon. It's so simple, & the repayments are based on my own personal budget so they're easily affordable. I still can't believe it! ”  Chris, Wellington



Real Finance interest rates for loans currently range from 10.95% to 39.95% per annum.
Loans are required to be repaid by equal instalments of principal and interest over terms of between 1 and 36 months, with the term available determined by the amount sought.
Establishment fees vary based on the new loan amount. Full details of all fees are available 716-345-0081.


Actual Loan Example:
A $10,640 loan repayable over 36 months by 36 monthly instalments at an interest rate of 6.58%:
An establishment fee of $181, Centrix Check of $10, Wheels Report of $11, PPSR search + registration fee of $15, and an administration fee of $18 per month ($648).
Total interest was $1,141.03 making the total payable $12,646.03.
The APR inclusive of fees for this loan was only 10.8663% per annum.

Loan Calculator

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