If you are looking for a straight forward payday advance between $100 and $2,000? Our lending criteria and process is quick and easy and can help you with fast cash even if you have bad credit. Please ensure you have a New Zealand bank account. The interest on our loans are reasonable, with only minimal establishment fee and interest. There is also no penalty if you repay your loans by making early repayment.
Our payday advance loans
Short term lending is what we do best and whilst we do perform a credit check, some payday lenders are able to perform a soft check that won’t impact your credit history. We understand that sometimes your bills may not be paid back on time and that your repayment history may show as substandard at any time.
Our loans are not designed as a long term financial product. You may also want to consider a personal loan over a payday advance. We would encourage anyone to save money for an item over using one of our cash loans. To help with repayment we do not charge any penalties for an early repayment full. We also accept early repayment full or partial. If you have no time for additional waits with your application then please ensure that your provide your drivers license details. Our application process is nice and straight forward. There can be some instances where a loan could save you interest, i.e. by borrowing to take advantage of an early repayment fee.
What do you need to qualify?
In order to qualify for one of our loans, you:
- You will need to be at least 18 years old and a NZ citizen or resident currently living in New Zealand;
- You will need to have been permanently employed with the same employer for at least 3 months
- Your pay needs to be credited on a regular basis into your own NZ bank account that has been open for at least 3 months
- must not currently be Bankrupt, under a No Asset Procedure or Summary Installment Order;
- You must have access to the Internet and a mobile phone.
Please note this is a guide only and in certain circumstances we may not be able to offer you a loan. It’s straight forward to get fast cash. Just click apply here, or apply at the top of the link.
Our online application process is fast and simple. Our application only takes a few minutes to complete. Not all payday advance lenders are created equally, trust us. If you get stuck you can give one of our friendly staff a quick call or email. Once your have completed your application, you’ll be sent a link to an online platform to provide your bank statements. This process takes around 30 seconds, and ensures we can process your application as soon as possible. We then do a few final checks to make sure you can afford to meet the repayments of your payday advance. If your application is approved, the money can be transferred into your bank account and is often in there within 60 minutes of approval.