Get a Payday Loan today - Borrow up to $1,000 in just 30 minutes*

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* Repayment amounts are indicative only and will be finalised during your application process. Terms and a small fee applies to the 30 minutes payment option. Standard overnight payment is free of charge.


Payday Loans – Quick and Fast

With our affordable Payday Loans you stay in control and know where you stand. Use our handy slider to give you an overview of the total loan costs, then once you’re happy, you can go to our application form to confirm the amount you want to borrow in more detail.

Fast and transparent payday loans NZ

homeAt Payday Loan we believe in responsible lending, and our BorroWise framework encourages you to only borrow what you can afford to pay back. We’re here to help you through an unavoidable financial situation by lending you a small, affordable cash loan until your next payday – not get you into financial hot water with credit cards or long-term loan schemes. Click here to read more about BorroWise.

The BorroWise model is to lend only what someone can afford to repay, and to make the process as quick and easy as possible. So while you sleep easy, our BorroWise owls will be hard at work helping you get back on your feet overnight.

Easy application process with Payday Loans NZ

  • Our online, no-obligation application process only takes around 5 minutes
  • You can accept our Loan Contract online.
  • We process the forms quickly for a same-day decision
  • The funds could be in your account overnight

Please Note: Our loans are designed for short term use only and should not be used as a long term funding option. Products with lower interest rates or for a more appropriate term may be available from other lenders. We encourage you to save interest on our loans by making early repayment (full or partial) at any time for no additional cost.

Important information we need you to know

AIR (ANNUAL INTEREST RATE) Our AIRs range from 511% to 693.5% per annum or approximately 1.40% to 1.90% per day. IMPLICATIONS OF NON PAYMENT: To avoid additional costs please repay your loan according to agreed terms, however where a non-payment (or other default) occurs the following applies; Fees – A fee of $25 applies to each missed or failed payment. A fee of $7 applies for each reminder letter. Default Interest: Default interest applies to any overdue amount at 104% per annum. Collection Practices: We undertake to manage collection of our loans in accordance with legal requirements and industry standards and will promptly contact you should you miss a payment date. Credit Score Implications: A repaid loan in accordance with agreed terms should positively influence your credit score. However when a missed payment, failed payment or unpaid loan occurs this is likely to negatively impact your credit score. Renewal Policy: Renewals are available on loans (other than your first loan) where your past payment history is satisfactory to us and are subject to our discretion and lending criteria. 
Click here for further information on our loans.