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Who is Finance Now?

Finance Now provides personal, quick, hassle-free financial services. With over 1,500 retail stores around New Zealand accepting Finance Now, you'll be able to get what you want at a price you can afford.


Accepted at over 1,500 New Zealand Retailers.

Get approved In-Store or Online in just a few minutes.

No Deposit finance available with competitive interest rates.

Flexible Payment terms from 12, 24 or 36 months.


*Getting pre-approval means that you can only use Finance Now in store. To use Finance Now for online shopping please select Finance Now in the online checkout.

  • No deposit finance available
  • Rental + loan options available
  • Approval within 10 minutes
  • This application is for pre-approval only. All finance type options will be discussed in store.

To apply for Finance Now for your business please click here.

Step 1: Initial Application Criteria Checklist

* You must be a NZ Citizen / Permanent Resident and currently living in New Zealand
* You must be older than 18 years of age
* Proof of identity by means of a NZ drivers licence, passport or firearms licence
Things you should know:
Finance Now's normal lending criteria and loan terms apply. Repayments shown are indicative only and include a Establishment Fee and a Monthly Service Fee. 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. Payment Protection Insurance (PPI) is optional and has not been included in the payment amounts above.

Want to know how we assess applications? Read more here.

Exclusions apply. Excludes vouchers, gift cards, software licenses, game activation codes, pre-orders, Customized-to-Order (CTO) Apple Mac, and backorders.

No deposit terms are available up to 36 months on all purchases $200 and over. Subject to Finance Now's standard credit criteria. An interest rate of 19.9% p.a. and a $50 establishment fee apply. Optional Key Person Payment Protection (KPPP) is available.

Refreshing the page will take you back to Step 1, or click here to do so.

You're only a few minutes away from having money your way. We have created easy-to-follow steps that allow us to gather the information we need to assess your application. Once you've finished letting us know your details we’ll be in contact to finalise your loan - it's that easy! Then you simply need to visit the PB Tech store of your choice to complete your purchase.

If you have any questions about the process or the information you're asked to provide then give Finance Now's team of consultants a call on 0800 299 399. They'll be able to answer any queries you have.

Popular products purchased with Finance Now


Who can use Finance Now?

Here's what you'll need to complete your application:
• You must be a NZ Citizen / Permanent Resident and currently living in New Zealand.
• You must be older than 18 years of age.
• Your fortnightly or monthly income (after tax)
• Your employment details
• Current proof of identity (Passport, Drivers Licence, Fire Arms Licence)

How do I use Finance Now in store?

  1. Get your pre-approval for a Finance Now in-store purchase.
    • Either using the above retail store pre-approval form, in advance of your store visit.
    • Or we can help you to fill out the form while in-store.
  2. Bring or show your pre-approval authorisation, our team will check the details.
  3. Purchase over the counter.

How do I use Finance Now online?

  1. Add the products you want to your cart
  2. Proceed through checkout
  3. Select 'Finance Now' as your payment method, in the 'Billing' of checkout
    • Please note: If buying online, you can't use an existing in-store pre-approval. 
  4. You will be redirected directly from Checkout to a Finance Now form
  5. Enter the information requested by the Finance Now online finance form and once completed an approval will be provided almost instantaneously (subject to meeting Finance Now credit criteria)
  6. Once your finance application is approved, and you have authorised your loan, we'll either ship your goods or prepare them for pickup depending on the delivery / pickup method you chose!

What does it cost to use Finance Now?

Learn more about Finance Now's Retail Finance Interest Rates and Fees

What are Finance Now's lending policies?

Click on the link to review Finance Now's Retail Finance Policy Documents to understand your rights and obligations.

Who do I contact about refunds?

You’ll need to contact the retailer you made the purchase from. If you have problems after contacting the retailer, contact us via our Help & Support page or call us on 0800 40 50 70.

I haven’t received my purchase?

If you do not receive your order, please contact the retailer. After talking to the retailer and if you’re still experiencing problems, get in touch via our Help & Support page or by calling our support team on 0800 40 50 70.

How do I close my Finance Now account?

You can contacting us via our Help & Support page or calling our support team on 0800 40 50 70. Please note, all outstanding amounts will need to be paid in full before you can close your account.

Is there a maximum purchase?

There is no maximum purchase with PB Tech

Is there a minimum purchase?

PB Tech has a minimum order purchase of $200 to use Finance Now.

Are there any exclusions?

Yes. Exclusions apply. Excludes vouchers, gift cards, software licenses, game activation codes, pre-orders, Customized-to-Order (CTO) Apple Mac, and backorders.

If you have any further questions about how Finance Now can work for you, get in touch with their friendly support team.

Although we make reasonable efforts to update the information on our website about Finance Now, we make no representations, warranties or guarantees, whether express or implied, that this content on our website is accurate, complete or up-to-date. We also do not warrant or represent that the information regarding Finance Now available through the website will meet your particular requirements or needs. We therefore suggest visiting or clicking the button below for the most accurate and up-to-date information.

Click here for more information