Your Questions Answered

If you have any questions about our loans, lending criteria or the loan application and approval process, please take a look at some of our frequently asked questions.

If you can't find the answer to your questions, please use the form below to submit your question to our team.

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Application Process

Do I need to give a reason for my loan application?

Yes. New regulations require us to ask you for the purpose of the loan. Zebra Loans is a responsible lender and may not accept your reason as a sufficient purpose to approve your loan.

Our loans are to be used in case of an emergency. If you are already in debt, see our information on hardship – other options may be available to you.

If you are borrowing to repay debt or pay bill arrears, check with the creditor first to see if you can work out a payment plan with them. Explore all your options before you apply for a Zebra Loan.

Can I get a loan if I am not in employment?

No. We only give loans to people who are in ongoing employment and earn over $400 per week net (after tax) from their employer. The following will not meet our pre-approval process:

  • Beneficiaries
  • Self-employed
  • Unemployed
  • Part-time employed (with less than $400 net income per week)
  • Superannuitants
How much money can I borrow?

You may be able to borrow between $100 and $500 on your first loan and up to $1,000 on subsequent loans, subject to our lending criteria.

How much you can borrow depends on how much you get paid. We ensure that you never have to repay more than 25% of your net pay each pay period as we want to make sure you can afford to repay your loan.

How do I provide my bank statements?

If you bank with a compatible bank this can be done online. Simply complete the bank verification details when prompted during your loan application. This offers a bank-level security way of sending Zebra a read-only statement of the last 90 days worth of transactions. By entering your Internet banking login-in details, our agent DecisionLogic and or Credit Sense will provide us with access to your transaction history from the accounts that you supply during your loan application. We will only ever have read-only access to your account balances, transaction details and account names, so we can assess your loan application now or for future loan applications.

The following banks are compatible with our technology:

  • ANZ
  • BNZ
  • Kiwibank
  • Westpac
  • TSB
  • ASB

If you do not use Internet banking or are with a non-compatible bank you can have your bank send copies of your statements manually to A customer service representative will contact you to complete your application after we receive your bank statements. We do not accept manual copies of your statements sent directly from yourself.

What is a promotion code and where can I get one?

We may periodically give out codes during promotions, and these can be used to save money on the normal cost of your loan. Your promotion code will need to be entered during the online loan application process. Each code has different rules and expiry dates, so check to make sure any code you use is still valid when you apply. Let us know if you have any questions.

Complaints procedure


We're committed to providing great customer service and support. However, if you feel we haven't got things right please call or email us at

what happens next?

Once we've received your complaint, a company representative will be in touch to acknowledge receiving this within 3 business days. We'll aim to investigate all the relevant information. While we aim to resolve any complaints as quickly as we can, usually within 7 days, depending on the complaint, sometimes a longer time period may be required. If this is the case, we'll keep you informed regularly of our revised resolution period - which will be no longer than 15 business days.

then what?

If you are still not satisfied with the outcome, then you can contact FSCL who will be able to advise you of your rights. 

Approval Process

Can I still get a loan if I have bad credit?

Yes. However, our loans are to be used in case of an emergency. Payday loans should not be used for long term lending needs. If you are already in debt, see our information on hardship – other options may be available to you. We will assess each loan on a case by case basis. If you are borrowing to repay debt or pay bill arrears, check with the creditor first to see if you can work out a payment plan with them.

Do you contact my employer?

Provided you have not defaulted on your loan, we generally would not contact your employer. We may however, contact your employer as part of our application process to ensure you are still employed. We will let you know this before we do it though.

We will never discuss the amount you are borrowing or the purpose of the loan with your employer. These details are confidential. The information we verify is to ensure you have a reliable, consistent source of employment that meets our threshold of $400 a week net.

We may contact your employer if you are in default of your loan. Please see the section below regarding Wage Deduction Authority.

How do I receive my money?

We will transfer the money directly into your bank account within 60 minutes of your loan being approved, provided your bank accepts same day cleared payments.

Please note that our 60 minute guarantee only applies to applications made between 9am and 4:30pm, Monday to Friday. Banks are closed at all other times, preventing us from making immediate payments outside those hours. If it is past 4:30, we may elect to do a direct credit instead to ensure you receive the money by the morning.

How do I pay you back?

We will set up an automatic direct debit to collect the money directly from your bank account. The money will be deducted on the same night that you are paid.

Please be aware that if the funds are not available in your account on the agreed direct debit date, you may incur a default fee. Please refer to our Fees and hardship policy for further details. We will send you a text message reminder the day before your repayment is scheduled.

How much do I pay back each week?

At Zebra Loans, we ensure that you never have to repay more than 25% of your net pay each pay day as we want to make sure you can afford to repay your loan.

What if I am unable to repay my loan?

If you think you have insufficient funds in your account on the repayment date please contact us immediately to halt the direct debit. We realise that people’s circumstances change and will work with you to resolve this.

There are hardship options available to you under the Credit Contracts and Consumer Finance Act 2003 if you cannot genuinely afford to repay your loan. See our hardship policy for further details.

What do I do if I don't want the loan anymore?

You have five working days from the moment the terms of the loan are disclosed to you to return the loan proceeds to Zebra and cancel your loan agreement. Check the loan agreement for a full statement on the terms and conditions of the loan.

Can I pay back my loan early?

Yes. You won’t be charged any additional fees for early repayment. Interest is calculated daily. If you would like to repay your loan earlier please give us a call and we will inform you what your final repayment amount is.

What is a Wage Deduction Authority?

A Wage Deduction is only utilised by Zebra Loans as a last resort when we have exhausted all attempts with the borrower to reach a suitable repayment arrangement. Failure to repay your loan may lead to legal action and may adversely affect your ability to gain credit in the future. If you have doubts about whether you’ll be able to repay a loan we suggest that you should not take out a loan.

We will present the Wage Deduction Authority to your employer (or future employer) and the payment of the loan plus costs will be paid directly to Zebra Loans by your employer from your wages, salary, commissions or holiday pay.

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