The Quick Financial Solution For The Quick Problem

Short Term Loans: Easy and Painless Loans in 60 Minutes

A loan doesn’t always have to be long, drawn-out and complicated. Sometimes you just need an easy and painless agreement for a quick and inexpensive loan. That’s why we’re here: to provide that simple short-term loan only a friend could give.

Short Term Loans
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For Small Emergencies and Unexpected Bills All Over New Zealand

Sudden expenses, unexpected emergencies, horrible yet manageable accidents. In all these cases, it’s up to you to come up with a small fortune right away. But with no savings available on-hand and your next payday still some time away, how can you afford to pay it?

Zebra Loans is here to help. Unlike traditional banks, we won’t make you jump through hoops and go through the traditional loaning process. We understand that most people don’t need a long and burdensome loan that banks typically provide. Instead, we’re here as your quick-fix, hassle-free solution. When you have a:

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Car repair payment

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Wedding payment

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Medical bill

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New boat, house, or car payment

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Dental emergency

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And most anything else

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We’re here for that short-term problem with a painless answer.

Apply now and get your money today.

Bad Credit? No Problem

When you have bad credit history, it can feel almost impossible to secure a loan, big or small. Most banks and financial institutions simply don’t want to deal with a loan experience that they might deem too risky or uncertain.

At Zebra Loans, we’re not here to judge your past; we’re here to help secure your future. We want to make every loan application a success, which is why we will look over your bad credit history if you can qualify for our loan through our other criteria.

Don’t be afraid to apply for a loan at Zebra Loans with bad credit. With us, it just might work.

Bad Credit? No Problem
Money and Nothing Else

Unsecured and Personal

Money and Nothing Else

Our short-term loans are unsecured cash loans, or personal loans. This means that no collateral is required on your part, making this one of the easiest and simplest loan processes in history. We know that your loan is your personal business, which is why we guarantee complete confidentiality for your loan. At Zebra Loans, we deal with money, nothing else.

Why Choose Zebra Loans

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21st Century Speed

Quick, secured and easy, with no queues or lines. Just send in your online application and wait for approval, with money coming in same day afterwards

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A trusted customer who has successfully borrowed and repaid a loan from Zebra Loans can borrow as many times as they wish

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Flexible Repayment

Pay your loan back in a number of repayments of your choosing, making it simple and hassle-free

Apply now and get your money today.

Qualifying for Repayment Loans

At Zebra Loans, we focus on responsible lending. We can help you with your short-term loans if you qualify for our following criteria:


18 years of age


New Zealand citizen or resident within New Zealand


Earning a minimum of $400 per week


Computer access and mobile phone access, for verification codes and applications


Permanent employee of your company


An active bank account for at least one pay cycle


Active email address


Your pay is electronically transferred to your bank account regularly


ID for first-time applications: NZ passport (current or expired within 2 years), overseas passport (current), NZ Refugee Travel Document, NZ Emergency Travel Document, NZ Firearms License

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Online Loan Calculator

Kiwis Deserve Transparency And Efficiency

Use our online calculator below to find out how much you may be able to borrow. Your potential loan amounts will vary depending on a number of factors. Rates and fees are displayed to give you a complete understanding of your personal loan:

Find out how much you may be able to borrow

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FAQ: Maneuvering Bad Credit Finance and More

Can I apply for a personal loan from any part of New Zealand?

Yes. Whether you are in Auckland, Hamilton, or anywhere else, as long as you are a citizen or resident of New Zealand in the country, you can apply for a loan from Zebra Loans.

How often will I be charged with repayments?

All the details of your loan and your repayments will be described to you upon approval, but generally your repayments will depend on your pay cycle; for example, repayments will be weekly if you are paid every week.

Do you offer payday loans?

Yes. Zebra Loans offers payday loans and cash advances. We will match you with the best loan option for your borrowing needs.

Is Zebra Loans a trusted loan provider?

We’re glad you asked! We have helped countless New Zealanders with their short-term problems with short-term financial solutions. As a lender, we take pride in being one of the most trusted lenders in the country. Contact us to learn more about how we can help you.

How much can I get as a loan?

While we will have to review and process your application before we can tell you exactly how much we can lend, our handy loan calculator can help you find out how much you may be able to borrow. It takes into consideration your pay cycle, your pay after tax, your next payment date, your desired number of repayments, and more. You may find the calculator here.

Our Happy Customers


- Cameron W.

“Thank you, that was fast and painless.”

- Lata B.

“So grateful. You guys are the best loan company I have come across so far!”

- James S.

“Thank you and the Zebra team for being the friendliest loan company around.”