Finance Now Review.

Finance Now — NZ Mortgage Review (2026)

Finance Now is SBS-owned specialist consumer finance and asset finance provider. For New Zealand borrowers, the lender's specialties include consumer finance, asset finance, retail point-of-sale lending. As an independent NZ mortgage broker, Finch arranges loans through Finance Now alongside the full panel of registered NZ banks (ANZ, ASB, BNZ, Westpac, Kiwibank, TSB, SBS, The Co-operative Bank, Heartland) and the specialist non-bank market — so we can recommend Finance Now only when their offer genuinely beats the alternatives for your scenario.

Who Finance Now Suits Best

Finance Now suits NZ consumers and SMEs needing flexible specialist consumer / asset finance. We see strongest outcomes when the client's income profile, deposit position, and intended property align with Finance Now's current scorecard. Outside those scenarios, another NZ lender will usually price sharper or move faster — which is why we compare every option before recommending.

Finance Now — Strengths

• SBS-owned, NZ-based
• Wide retail and motor finance distribution
• Flexible underwriting

Finance Now — Considerations

• Higher rates than main banks for some products

How Finance Now Compares Across the NZ Lender Panel

No single NZ lender wins for every scenario. Pricing varies by week and by deal type — Finance Now may be sharpest one month and uncompetitive the next, while a non-bank like Resimac or Pepper Money picks up cases the main banks decline. Use our live NZ rates comparison to see where Finance Now sits today, then book a free consultation to match your scenario against the full panel.

The Rules Every NZ Lender Works Within

Finance Now's deposit and serviceability settings sit inside the framework set by the Reserve Bank — the RBNZ loan-to-value (LVR) and debt-to-income (DTI) restrictions define the floor every NZ lender must work within. As an FMA-licensed financial advice provider, Finch is bound by the Financial Markets Authority Code of Conduct to recommend Finance Now only when it genuinely fits your scenario.

Documents Finance Now Typically Requires

• 3 months payslips (PAYE) or 2 years accountant-signed financials (self-employed)
• 3 months bank statements across every account including credit cards
• KiwiSaver provider statement and annual summary (for first home buyers)
• NZ photo ID + proof of address (AML compliance)
• Evidence of deposit and recent savings history

Service Coverage Across NZ

Finch arranges Finance Now lending for clients across the country — Auckland, Wellington, Christchurch, Hamilton, Tauranga, Dunedin, Palmerston North, Napier, Nelson, Queenstown, and regional NZ. We submit your file via the lender's broker channel which usually delivers a faster, sharper outcome than walking into a branch.

Should You Go Direct, or Use a Broker?

Going direct to Finance Now only gives you Finance Now. Using Finch costs you nothing — Finance Now (where they're the right answer) pays the broker fee on settlement, not you — and you get the comparison across every other NZ lender for free. Read our real NZ client case studies for examples.