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. 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 temporary use only and should not be used as an ongoing 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

Our ‘GOING PLACES’ Loans are $1000 – $3000, usually over a 1-5 Month Term
Our AIRs range from 100.375% to 292% per annum or approximately 0.275% to 0.80% per day. An establishment fee of $50 applies. 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; Default Fees – A fee of $10 applies to each missed or failed payment. A fee of $5 applies for each reminder letter. 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.
Click here for further information on our loans.