Pronto is a digital finance company and because we do everything online we’re able to make borrowing money faster and fairer.

By replacing a branch network with our innovative financial technology, we can offer our 9 minute guarantee as well as lower interest rates for borrowers.

Based in sunny Nelson, our unique digital technology allows us to advance loans anywhere in New Zealand and have the cash in your account with our 9 minute guarantee. Using our online system you can now borrow money on your mobile, tablet or computer, with no need to print, scan or fax a thing.

Pronto Finance was set up after seeing the frustration with slow bureaucratic banks and unfair finance companies, often taking hours or even days to approve and advance a loan. So we’ve used cutting edge financial technology to offer online loans as fast as possible, and we will back it up with our 9 minute guarantee.

We’re also determined to be fair, and want to reward our good customers with lower interest rates. So at Pronto we use a unique system which allows us to set interest rates according to each customer’s client rating. It is only fair that the safer you are as a borrower, the less interest you should pay.

Alongside being faster and fairer, we’ve made the whole loan process more convenient for borrowers. By doing everything digitally we’ve removed the need for paper contracts and all the unnecessary printing, scanning and faxing. With Pronto you can complete the whole process on your computer, smartphone or tablet from anywhere in New Zealand.

We also looked at how banks and other finance companies operate and realised they’ve taken control away from the borrower. So at Pronto we’ve turned that on it’s head. Our system gives you complete control of the amount you want to borrow and lets you set the repayments you want to make. With you selecting your repayment amount and no early repayment fees, you can reduce the amount of interest you pay. We actually encourage you to pay the loan off sooner, so you pay less interest and we’ve got the money to lend out again.

Whilst our system gives you more control, it has been designed to ensure we always lend responsibly. Using both our unique client rating system and affordability algorithm, we’re able to use hundreds of pieces of data to assess each application and only approve loans that borrowers can comfortably afford to repay. We succeed when our customers repay their loans and recommend us to friends and family, or return in the future. So it’s vital for us to ensure all of our customers are comfortable with their loan and are capable of repaying it.