Retail finance · Finance Now
Flexible finance
for bigger purchases.
Spread the cost of your MODA purchase over 6 to 60 months with a Finance Now retail loan — no deposit required, with a fixed repayment schedule so you always know what you're paying.
Apply online in minutes, or speak to our team in store at our Ōtāhuhu showroom and we'll help you through the process.
Why Finance Now
No deposit required
Get what you need now. Finance Now retail loans require no upfront deposit — just a fixed repayment schedule that suits your budget.
Terms to suit you
Choose a loan term from 6 to 60 months. Shorter terms mean you pay less overall; longer terms keep your weekly payments lower.
Fixed repayments
Your interest rate and repayment amount are fixed for the life of the loan, so there are no surprises — you know exactly what you owe each month.
How to apply
Apply online
Complete Finance Now's easy online application at the link below. Takes just a few minutes.
Get a decision
Finance Now will review your application and provide a decision. Loan applications are subject to responsible lending enquiries.
Complete your purchase
Once approved, shop online or visit our Ōtāhuhu showroom to complete your MODA purchase.
Rates and fees
Indicative rates — subject to change. Full terms provided prior to finalisation of your loan.
Repayments are indicative only and based on the selected loan amount and term, and include the $99 establishment fee and $2.95 monthly service fee. Interest rates for retail finance range from 0% (interest free) to 26.5% p.a. Loan terms range from 6 to 60 months. 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. Consumer Protection Insurance (CPI) is optional.
Advice about your credit contract or related insurance is not regulated financial advice. You are protected by responsible lending laws. Because of these protections, the recommendations given to you about your application or account are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.
Finance Now Limited. For full terms and conditions visit financenow.co.nz.
Finance Now questions
What can I use Finance Now for?
Is there a minimum or maximum loan amount?
What interest rate will I get?
How long does approval take?
Can I apply in store?
Where can I find full terms and conditions?
Need help with your application?
Our team can walk you through the Finance Now process in store — no obligation.
